Terms of Service

These Terms of Service ("Terms") govern your access to and use of this website and the eligibility check offered by Debt Relief Specialists ("we," "us," or "our"). By using this website or completing the eligibility check, you agree to these Terms. If you do not agree, please do not use this website.

1. What This Website Does

This website provides a free pre-qualification check and connects consumers who may be eligible with a debt settlement program and the specialists who administer it. We are not a law firm, a credit counseling agency, or a government agency, and we do not provide legal, tax, or financial advice.

2. Eligibility Requirements

To pre-qualify through our eligibility check, you must meet the basic requirements we screen for, which include:

• At least $10,000 in unsecured credit card or personal loan debt.
• Steady employment or another source of income.
• The ability to make a minimum payment of approximately $250 per month.
• Debt that is current and not in collections.
• No federal debt, student loans, business debt, auto loans, or payday loans included in the program.

Meeting these basic requirements does not guarantee enrollment or any particular outcome. Final eligibility is determined by a specialist and may depend on additional factors, including your state of residence and the specific debts you hold.

3. No Guarantee of Results

Results vary. Completing the eligibility check or speaking with a specialist does not guarantee that you will be accepted into a program, that any particular debt will be settled, or that you will achieve any specific outcome. Any figures or examples shown on this website or in our advertising are illustrative and are not a promise of results. Individual results depend on your circumstances, your creditors, and program terms.

4. Not a Government Program

This is not a government program and is not affiliated with, endorsed by, or sponsored by any federal, state, or local government agency. The program is not available in all states, and availability may change.

5. Advertising and Meta (Facebook) Platforms

We advertise on Meta platforms, including Facebook and Instagram. This website is not part of, endorsed by, or sponsored by Meta Platforms, Inc. If you arrived here from a Meta ad, that ad was created and paid for by us, and Meta's own terms and advertising policies apply to your use of Meta's services.

By interacting with our ads and this website, you understand that we and Meta may use cookies, pixels, and similar technologies to measure advertising performance and to deliver advertising to you. See our Privacy Policy for details.

6. Your Consent to Be Contacted

By submitting your information through the eligibility check or by calling the number provided, you consent to be contacted by us and by our debt settlement partners at the phone number and email address you provide. This may include calls and text messages made using automated technology or prerecorded messages, where permitted by law. Consent is not a condition of any purchase. Message and data rates may apply. You may opt out of text messages at any time by replying STOP, or ask to be placed on our do-not-call list during any call.

7. Acceptable Use

You agree to use this website only for lawful purposes and to provide accurate information about yourself. You may not:

• Submit information that is false, misleading, or not your own.
• Use this website on behalf of another person without their authorization.
• Attempt to interfere with, scrape, or disrupt the website or its security.
• Use this website if you are under 18 years of age.

8. Intellectual Property

All content on this website — including text, graphics, logos, and design — is owned by us or our licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written permission.

9. Third-Party Services and Links

This website may link to or rely on third-party services, such as advertising platforms and debt settlement providers. We are not responsible for the content, policies, or practices of any third party. Your interactions with them are governed by their own terms and privacy policies.

10. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components, or that any information on it is complete or current.

11. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website or your participation in any program, even if we have been advised of the possibility of such damages. Nothing in these Terms limits any rights you may have under applicable consumer protection law.

12. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of this website after changes are posted means you accept the updated Terms.

13. Contact Us

If you have questions about these Terms, please start with our free eligibility check. It takes about 30 seconds, and qualified visitors are given a number to call during posted call hours. We do not currently offer email support.