Terms of Service

Effective Date: April 23, 2026 · Last Updated: April 23, 2026

IMPORTANT: Debt Resolutions Firm is a debt relief services company, not a lender, credit counselor, credit repair organization performing legal services, or law firm. Results vary. Our services may affect your credit score and creditors may continue collection efforts during enrollment.

1. Acceptance of Terms

By accessing or using debtresolutionsfirm.com (the "Site") or enrolling in any program offered by Debt Resolutions Firm ("Company," "we," "us"), you ("Client," "you") agree to be bound by these Terms of Service. If you do not agree, do not use the Site or our services.

2. Eligibility

You must be at least 18 years old and a U.S. resident. You represent that all information you provide is accurate and complete. Programs may not be available in all states; state-specific restrictions apply.

3. Services Offered

Debt settlement negotiation: we negotiate with your unsecured creditors to reduce balances
Credit repair consulting: dispute inaccurate items on your credit reports (we are a Credit Repair Organization under CROA)
Loan referrals: we refer qualified clients to licensed lending partners; we are not a lender

4. No Guarantee of Results (FTC/CFPB Required Disclosures)

We do not guarantee any specific reduction in your debt or credit score improvement. Results depend on your individual circumstances, creditor cooperation, and your ability to fund the program. Testimonials reflect individual experiences and are not typical.

Debt settlement programs typically take 24–48 months to complete
Not paying creditors during the program may result in collection calls, lawsuits, wage garnishment, and further damage to your credit score
Savings figures shown (e.g., "up to 50% reduction") reflect gross savings before fees and do not account for federal/state tax liability on forgiven debt (IRS Form 1099-C)
Our fees are charged only after a settlement is reached and approved by you, in compliance with the FTC Telemarketing Sales Rule (16 CFR § 310.4(a)(5))

5. Client Responsibilities

Make timely deposits into your dedicated FDIC-insured settlement account
Provide accurate financial information and promptly forward all creditor correspondence
Refrain from incurring new unsecured debt during enrollment
Review and approve each settlement offer before we execute

6. Fees

Fees are disclosed in your individual Client Services Agreement and comply with federal and state law. We do not charge upfront fees for debt settlement. Typical fees range from 18% to 25% of enrolled debt, assessed only after successful settlement. Credit repair fees are charged monthly, only after each month's services are rendered.

7. Cancellation Rights

You may cancel debt settlement services at any time, for any reason, by written notice. You will receive a full refund of any unearned fees. Credit repair clients have a 3-business-day right to cancel under CROA with no penalty.

8. Disclaimers

THE SITE AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. We disclaim all warranties express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not provide tax, legal, or bankruptcy advice — consult a qualified professional.

9. Limitation of Liability

To the maximum extent permitted by law, Company's total liability for any claim arising from these Terms or our services shall not exceed the fees you paid to us in the 12 months preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages.

10. Arbitration & Dispute Resolution

Any dispute arising from these Terms or our services shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You waive the right to participate in a class action. You may opt out of arbitration within 30 days of enrollment by written notice to [email protected].

11. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles, except where preempted by federal law or the law of your state of residence.

12. Changes to Terms

We may update these Terms at any time. Material changes will be notified via email or Site notice. Continued use after changes constitutes acceptance.

13. Contact

Debt Resolutions Firm
Email: [email protected]
Phone: (855) 760-2009