Terms of Service

Last Updated: January 2025

1. Acceptance of Terms

By accessing or using the Debt Relief Experts website ("Website"), you agree to be bound by these Terms of Service. If you do not agree, do not use this Website.

2. Description of Service

Debt Relief Experts is an independent referral service that connects consumers with third-party debt relief providers. We are not:

  • A lender or loan provider
  • A debt settlement company
  • A debt consolidation company
  • A credit counseling agency
  • A law firm
  • A government agency

We do not provide debt relief services directly. We do not make lending decisions. We do not guarantee any outcomes.

3. Eligibility

You must be at least 18 years old and a U.S. resident to use this Website.

4. Consent to Contact

By submitting your information through our assessment form and checking the consent checkbox, you expressly consent to be contacted by Debt Relief Experts and third-party providers via phone (including autodialed and prerecorded calls), SMS, and email at the contact information you provided. See our Privacy Policy for details.

5. No Guarantees

We make no guarantees regarding:

  • Whether you will qualify for any debt relief program
  • The amount of debt reduction you may achieve
  • The timeline for any debt relief program
  • The impact on your credit score
  • Whether creditors will negotiate or settle

Results vary significantly based on individual circumstances.

6. Risks of Debt Relief Programs

You acknowledge that debt relief programs, including debt settlement, may have risks including:

  • Negative impact on credit score
  • Tax liability on forgiven debt
  • Continued creditor collection efforts and lawsuits
  • Fees charged by providers
  • Increased debt from fees and interest during the program

7. Third-Party Services

Your relationship with any third-party provider is governed by their terms, not ours. We are not responsible for their actions, services, or representations. Research any provider carefully before enrolling.

8. Disclaimer of Warranties

THE WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DEBT RELIEF EXPERTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED $100.

10. Indemnification

You agree to indemnify and hold harmless Debt Relief Experts from any claims arising from your use of the Website or violation of these Terms.

11. Governing Law

These Terms are governed by the laws of the State of Delaware. Disputes shall be resolved through binding arbitration.

12. Changes to Terms

We may modify these Terms at any time. Continued use after changes constitutes acceptance.

13. Contact

Questions: support@debtreliefexperts.us