DEBT DIRECT SOLUTIONS

Last Updated: 11/13/2025

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SERVICES.

By submitting a consultation request, scheduling a consultation, or using any services provided by Debt Direct Solutions ("Company," "we," "us," or "our"), you ("Client," "you," or "your") agree to be bound by these Terms of Service ("Terms").

---

1. NATURE OF SERVICES

1.1 Consulting Services Only

Debt Direct Solutions is a financial consulting company. We are NOT:

• Lenders or loan originators

• Loan brokers or mortgage brokers

• Debt settlement service providers

• Credit repair organizations

• Licensed attorneys or CPAs

• Financial advisors registered with the SEC

1.2 What We Do

We provide educational consulting services including:

• Analysis of your debt and credit situation

• Explanation of available debt relief options

• Referrals to third-party service providers

• Guidance on understanding financial strategies

• General educational information

1.3 What We Don't Do

We do NOT:

• Provide, originate, or broker loans

• Directly settle debts with creditors on your behalf

• Guarantee approval for any financial product

• Provide legal, tax, or investment advice

• Make credit repair guarantees

---

2. THIRD-PARTY SERVICES

2.1 Referrals

We may refer you to third-party companies including:

• Lenders who offer debt consolidation loans

• Debt settlement companies

• Credit counseling organizations

• Mortgage refinancing specialists

• Other financial service providers

2.2 No Control Over Third Parties

We do not control, operate, or assume responsibility for third-party services. Each third-party provider operates independently and has its own terms, fees, and policies.

2.3 Referral Compensation

We may receive referral fees, commissions, or other compensation from third-party providers we recommend. This does not affect our objective assessment of your situation.

2.4 No Guarantees

We cannot and do not guarantee:

• Approval for any loan or financial product

• Specific debt reduction amounts

• Credit score improvements

• Acceptance into debt settlement programs

• Any particular outcome

---

3. CLIENT RESPONSIBILITIES

You agree to:

• Provide accurate and complete information about your financial situation

• Respond to requests for documentation in a timely manner

• Make your own independent decisions about which services to use

• Read and understand all agreements with third-party providers before signing

• Maintain communication during the consulting process

• Notify us of any material changes to your financial circumstances

---

4. FEES AND PAYMENT

4.1 Initial Consultation

Your initial consultation is provided at no cost with no obligation to purchase additional services.

4.2 Consulting Fees

If you engage our ongoing consulting services, fees will be clearly disclosed in writing before you agree to any paid services. Fees vary based on the complexity of your situation.

4.3 Third-Party Fees

Third-party service providers (lenders, debt settlement companies, etc.) charge separate fees which they will disclose directly to you. We are not responsible for third-party fees.

4.4 Refund Policy

Due to the nature of consulting services, fees for services already rendered are generally non-refundable. Specific refund terms will be outlined in your service agreement.

---

5. NO GUARANTEED RESULTS

5.1 Individual Results Vary

Outcomes depend on numerous factors including but not limited to:

• Your credit history and current credit score

• Amount and type of debt

• Income and employment stability

• Creditor cooperation (for debt settlement)

• Your adherence to recommended strategies

• Economic conditions and lending standards

• Third-party provider policies

5.2 Disclaimer of Results

WE MAKE NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING:

• Approval for any financial product

• Specific amounts of debt reduction

• Timeframes for debt elimination

• Credit score improvements

• Interest rate reductions

• Monthly payment amounts

• Any specific financial outcome

5.3 Past Performance

Examples or case studies provided for educational purposes do not guarantee similar results for you.

---

6. FINANCIAL IMPACT ACKNOWLEDGMENTS

You acknowledge and understand that:

6.1 Debt Settlement Risks

• May significantly damage your credit score

• Creditors are not required to settle and may sue you

• Forgiven debt may be considered taxable income

• You may face collections activity during the process

• Not all creditors participate in settlement programs

6.2 Debt Consolidation Risks

• Requires credit approval - not available to everyone

• May extend your repayment period

• May involve fees and closing costs

• Your credit score may initially decrease due to credit inquiries

• Failure to make payments can result in default

6.3 General Risks

• Different strategies have different credit impacts

• No debt relief strategy is risk-free

• You may face legal action from creditors

• Your financial situation could worsen during the process

---

7. LIMITATION OF LIABILITY

7.1 Consulting Relationship

Our relationship is limited to consulting and education. We are not responsible for:

• Decisions you make based on our guidance

• Actions or inactions of third-party service providers

• Outcomes of debt relief strategies you pursue

• Changes in your financial circumstances

• Credit score changes

• Legal actions by creditors

7.2 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO OUR SERVICES SHALL NOT EXCEED THE AMOUNT OF FEES YOU PAID TO US FOR CONSULTING SERVICES IN THE SIX (6) MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY.

7.3 No Consequential Damages

WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, CREDIT DAMAGE, OR EMOTIONAL DISTRESS.

---

8. PROFESSIONAL ADVICE DISCLAIMER

8.1 Not Legal Advice

We do not provide legal advice. If you face lawsuits, garnishments, or legal issues with creditors, consult a licensed attorney.

8.2 Not Tax Advice

We do not provide tax advice. Forgiven debt may have tax consequences. Consult a CPA or tax professional.

8.3 Not Investment Advice

We do not provide investment advice or recommendations regarding investment products. Consult a licensed financial advisor for investment guidance.

8.4 Not Credit Repair

We are not a credit repair organization as defined by federal law. We provide education about credit factors but do not directly dispute items with credit bureaus or guarantee credit improvements.

---

9. PRIVACY AND DATA

9.1 Information Collection

We collect personal and financial information necessary to provide consulting services. See our Privacy Policy for details.

9.2 Information Sharing

We may share your information with third-party service providers to whom we refer you, subject to your consent.

9.3 Data Security

While we implement reasonable security measures, no method of electronic storage or transmission is 100% secure. You acknowledge the inherent risks.

---

10. TERMINATION

10.1 Your Right to Terminate

You may terminate our consulting relationship at any time. Fees for services already rendered are non-refundable.

10.2 Our Right to Terminate

We reserve the right to terminate the consulting relationship if:

• You provide false or misleading information

• You fail to communicate or cooperate

• You engage in abusive or threatening behavior

• We determine we cannot effectively assist you

• You fail to pay agreed-upon fees

---

11. DISPUTE RESOLUTION

11.1 Governing Law

These Terms shall be governed by the laws of [YOUR STATE], without regard to conflict of law provisions.

11.2 Arbitration Agreement

Any dispute arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court. You waive your right to a jury trial.

11.3 Class Action Waiver

You agree to resolve disputes on an individual basis only. You waive any right to participate in a class action lawsuit or class-wide arbitration.

11.4 Exception for Small Claims

Either party may bring an individual action in small claims court.

---

12. GENERAL PROVISIONS

12.1 Entire Agreement

These Terms, along with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Debt Direct Solutions.

12.2 Modifications

We reserve the right to modify these Terms at any time. Continued use of our services after changes constitutes acceptance of modified Terms.

12.3 Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect.

12.4 No Waiver

Our failure to enforce any provision does not waive our right to enforce it later.

12.5 Assignment

You may not assign your rights or obligations under these Terms. We may assign our rights to any successor or affiliate.

12.6 Contact Information

For questions about these Terms:

Debt Direct Solutions

[YOUR ADDRESS]

[YOUR EMAIL]

[YOUR PHONE]

---

13. ACKNOWLEDGMENT

BY SUBMITTING A CONSULTATION REQUEST OR USING OUR SERVICES, YOU ACKNOWLEDGE THAT:

✓ You have read and understood these Terms of Service

✓ You agree to be bound by these Terms

✓ You understand we are consultants, not lenders or service providers

✓ You understand no specific results are guaranteed

✓ You understand different debt relief strategies have different risks

✓ You will make your own independent decisions about which services to use

✓ You may be referred to third-party companies who have separate fees and terms

✓ You understand we may receive referral compensation from third parties

✓ You have been advised to consult with legal and tax professionals as appropriate

Contact Us