Licenses and Disclosures


Welcome to our disclosure page. At Debt.Help, we prioritize transparency in the debt relief industry. We understand the importance of providing clear information to individuals seeking assistance with their financial challenges. As a debt relief referral agency, we are committed to connecting our clients with licensed attorneys and reputable lenders who can offer tailored solutions. Below, we outline key details about our services, including debt consolidation referrals and loan options.

1. Referral to Licensed Attorneys:

We, at Debt.Help, do not directly perform debt referral services. Instead, we connect our clients with properly licensed attorneys who specialize in debt relief. These attorneys are accredited by the Better Business Bureau (BBB) and operate within the legal framework of their respective states. By partnering with licensed professionals, we ensure that our clients receive expert guidance and support tailored to their unique financial circumstances.

2. Debt Consolidation Loan Options:

In addition to debt referral services, we offer debt consolidation loan options through trusted third-party lenders. These loans are designed to help individuals consolidate their debts into manageable monthly payments, potentially reducing interest rates and simplifying repayment. Our loan options typically range from $1,000 to $100,000, with interest rates varying between 6% and 30%.

Loan Terms and Fees:

  • Annual Percentage Rates (APRs) range from 6% to 30%.
  • Origination fees range from 1% to 5% of the amount financed.
  • Loan terms vary from 12 to 60 months.

Example Loan Scenario:

Suppose you borrow $10,000 with a 10% interest rate and a 3% origination fee over a 36-month term. In this scenario, your monthly payment would be approximately $332.14. The total interest paid over the life of the loan would amount to $1,956.23, with the total cost of the loan (including origination fee) being $11,956.23.

3. Licensing and Accreditation:

We ensure that all our referral partners, including attorneys and lenders, are properly licensed and accredited by the BBB in the states where they operate. By partnering with reputable professionals who adhere to ethical standards and regulatory requirements, we aim to provide our clients with reliable and trustworthy assistance throughout the debt relief process.

Important Considerations:

  • Debt consolidation services may temporarily affect your credit score.
  • Clients may be subject to collections or lawsuits by creditors during the debt relief process.
  • Outstanding obligations may increase due to accrued fees and interest.
  • Not all creditors and types of debts are eligible for our services.

Non-Discrimination Policy:

At Debt.Help, we do not discriminate on the basis of race, color, religion, sex, marital status, national origin, or ancestry. Our services are available to all individuals seeking assistance with debt relief, regardless of demographic factors.

Testimonials Disclaimer:

Testimonials provided on our website reflect the opinions of individual clients and may not represent all experiences, and their experiences if representations are made about the completion of the program, represent the services of the affiliate partners. We encourage prospective clients to conduct their own research and consult with qualified professionals before making decisions regarding debt relief.

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