Terms & Conditions

These Terms & Conditions ("Terms") govern your use of this website and the submission of any request through our form. By using the site, you agree to these Terms.

Nature of the service

The Debt Helper is a marketing and lead-generation service that may connect you with participating third-party providers or partners. We are not a lender, law firm, credit repair company, or debt settlement provider. We do not make credit decisions, provide legal or financial advice, negotiate with creditors, or perform any debt relief services ourselves.

No guarantees

We do not guarantee that your debt will be reduced, settled, approved, or eliminated, that you will qualify for any program, or that any specific savings or outcome will result. Availability of options depends on your situation, state, provider requirements, verification results, and other factors. Any figures or examples shown on the site are illustrative only and are not offers, quotes, or guarantees.

Eligibility

You must be at least 18 years old and a U.S. resident to use this service. By submitting a request you represent that the information you provide is accurate and that you are the person (or authorized to act for the person) described in the request.

Consent to contact

By submitting a request and providing consent, you authorize The Debt Helper and participating providers or partners to contact you by phone, text, and email, including through automated technology, as described in our Privacy Policy. Consent is not a condition of purchase, and you may revoke it at any time.

Debt relief risk disclosure

Debt relief programs offered by third-party providers may charge fees, may have a negative impact on your credit, may result in forgiven debt that is treated as taxable income, and do not guarantee that creditors will agree to settle. You should review all terms carefully before enrolling in any program, and consider consulting a qualified professional.

Third-party providers

Any product, service, or program offered by a participating provider or partner is governed solely by that party's own terms and disclosures. We are not responsible for the acts, omissions, products, or services of any third party.

Intellectual property

All content on this site is owned by or licensed to The Debt Helper and may not be copied or used without permission.

Disclaimer of warranties

The site and its content are provided "as is" without warranties of any kind, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, The Debt Helper will not be liable for any indirect, incidental, or consequential damages arising from your use of the site or from any contact by or dealings with third-party providers.

Governing law

These Terms are governed by the laws of the United States and the state in which The Debt Helper operates, without regard to conflict-of-laws principles.

Changes

We may update these Terms at any time. Continued use of the site constitutes acceptance of the updated Terms.

Contact

Questions about these Terms? Reach us via our Contact page.