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Licensing & Compliance
Last Updated: October 27, 2025
ScaledDebt is committed to operating with the highest standards of compliance and ethical business practices. This page outlines our licensing status, certifications, and compliance framework.
1. Business Registration
1.1 Corporate Information
Legal Business Name: ScaledDebt, LLC
Business Type: Limited Liability Company
Registration State: Florida
Business ID: License in process
Year Established: 2025
1.2 Operating Status
ScaledDebt is a registered and active business in good standing with all regulatory authorities.
2. Industry Certifications
✓ Google Partner Status
Certified Google Ads Partner with demonstrated expertise in media buying and campaign management.
✓ Meta Business Partner
Certified Meta (Facebook) Business Partner qualified to run advertising campaigns on Meta platforms.
2.1 Platform Certifications
Our team holds certifications in:
- Google Ads Search, Display, and Performance Max
- Google Analytics Individual Qualification
- Meta Blueprint Certification
- HubSpot Inbound Marketing Certification
- Salesforce Administrator Certification
3. Regulatory Compliance
3.1 Federal Compliance
Telephone Consumer Protection Act (TCPA)
ScaledDebt operates in full compliance with TCPA regulations:
- Express Written Consent: All calls are generated with documented express written consent
- Consent Records: We maintain detailed records of all consent documentation
- Opt-Out Mechanisms: Clear opt-out options are provided in all communications
- Do Not Call Lists: We honor federal and state DNC lists
- Time Restrictions: All calls are made within permitted hours (8AM-9PM local time)
Telemarketing Sales Rule (TSR)
We support our clients' TSR compliance through:
- Pre-qualification processes that verify consumer eligibility
- Documentation of call details and timestamps
- Support for required disclosures
- Recordkeeping that meets TSR standards
CAN-SPAM Act
Our email marketing practices comply with CAN-SPAM requirements:
- Clear identification in all commercial emails
- Accurate "From" and "Subject" lines
- Physical postal address in all emails
- Clear and conspicuous unsubscribe mechanism
- Prompt processing of opt-out requests (within 10 business days)
3.2 State Compliance
While ScaledDebt does not provide direct debt relief services (and therefore does not require state debt settlement licenses), we ensure our services support our clients' state compliance by:
- Understanding state-specific regulations
- Filtering leads/calls based on client's licensed states
- Providing documentation that supports client compliance
- Monitoring regulatory changes and updates
3.3 Data Protection Compliance
GDPR (General Data Protection Regulation)
For European data subjects, we:
- Process data only with lawful basis (consent, contract, legitimate interest)
- Maintain comprehensive data processing records
- Honor data subject rights (access, deletion, portability)
- Use appropriate technical and organizational security measures
- Provide data processing agreements to clients
CCPA (California Consumer Privacy Act)
For California residents, we:
- Provide clear privacy notices
- Honor consumer rights requests
- Do not sell personal information
- Maintain required records and documentation
4. Technology & Security Compliance
4.1 Data Security Standards
We implement industry-standard security measures:
- Encryption: 256-bit SSL/TLS encryption for data in transit
- Secure Storage: Encrypted databases for data at rest
- Access Controls: Role-based access and multi-factor authentication
- Network Security: Firewalls, intrusion detection, and monitoring
- Regular Audits: Quarterly security assessments and penetration testing
4.2 Third-Party Security
All third-party vendors are required to:
- Maintain SOC 2 Type II certification or equivalent
- Sign Business Associate Agreements (BAAs) where applicable
- Provide data processing agreements
- Meet our security and compliance standards
5. Compliance Tools & Verification
5.1 Lead Verification Services
We utilize industry-leading compliance verification tools:
- TrustedForm: Certificate-based consent verification for all call generation
- Jornaya LeadID: Lead journey documentation and consent tracking
- Real-Time Compliance Checks: Automated DNC list scrubbing
- Age Verification: Processes to ensure compliance with age requirements
5.2 Documentation and Recordkeeping
We maintain comprehensive records including:
- Consent certificates for all calls/leads generated
- Call recordings (where legally permitted and disclosed)
- Campaign documentation and compliance approvals
- Opt-out and DNC list management records
- Client agreements and service documentation
6. Client Compliance Requirements
6.1 Client Licensing
To work with ScaledDebt, clients must:
- Hold all required state licenses for debt settlement services
- Maintain active and current licensing status
- Provide proof of licensing upon request
- Notify us immediately of any licensing issues or changes
6.2 Client Compliance Obligations
Clients are responsible for:
- Their own TCPA, TSR, and state regulation compliance
- Proper handling and disposition of all calls/leads
- Required disclosures to consumers
- Their business practices and service delivery
- Maintaining appropriate insurance and bonding
7. Ongoing Compliance Monitoring
7.1 Internal Compliance Program
Our internal compliance program includes:
- Compliance Officer: Designated compliance officer overseeing all operations
- Regular Training: Quarterly compliance training for all team members
- Policy Reviews: Annual review and update of compliance policies
- Audits: Regular internal compliance audits
- Vendor Management: Ongoing monitoring of third-party vendors
7.2 Regulatory Monitoring
We actively monitor:
- Federal regulatory changes (FCC, FTC, CFPB)
- State regulatory updates and new legislation
- Industry best practices and guidelines
- Court decisions affecting our industry
8. Insurance & Bonding
ScaledDebt maintains appropriate insurance coverage including:
- General Liability Insurance: Coverage for business operations
- Professional Liability (E&O): Protection against professional errors and omissions
- Cyber Liability Insurance: Coverage for data breaches and cyber incidents
- Workers' Compensation: Coverage for all employees
9. Complaint Resolution
We maintain a formal complaint resolution process:
- Complaint Receipt: All complaints are documented and acknowledged within 24 hours
- Investigation: Thorough investigation of all issues
- Resolution: Prompt resolution and communication of outcomes
- Recordkeeping: Maintenance of complaint records for regulatory compliance
10. Verification of Compliance
Clients and partners may verify our compliance status by:
- Requesting copies of relevant certifications
- Reviewing our compliance documentation
- Conducting compliance audits (with reasonable notice)
- Verifying our platform partnerships directly with Google, Meta, etc.
11. Commitment to Ethical Practices
Beyond regulatory compliance, ScaledDebt is committed to:
- Transparency: Clear communication about our practices
- Quality: High standards for call quality and consumer experience
- Integrity: Honest business practices and accurate representations
- Respect: Respectful treatment of consumers and business partners
- Continuous Improvement: Ongoing enhancement of compliance and quality
12. Contact Information
For licensing, compliance, or regulatory questions, please contact:
ScaledDebt Compliance Department
Email: info@scaleddebt.com
Phone: (564) 544-8770
Business Hours: Monday-Friday, 8AM-8PM EST
Note: Licensing and compliance requirements are subject to change. This page reflects our current status and may be updated as regulations evolve. Last verification date: October 27, 2025