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Please read these terms carefully before using our website or services.
By accessing or using the Real Debt Help website ("Site") or any of our services, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and our Disclosures. If you do not agree to all of these terms, you must immediately discontinue use of the Site.
These Terms constitute a legally binding agreement between you and Real Debt Help ("Company," "we," "us," or "our"). You must be at least 18 years old and a legal resident of the United States to use this Site or our services.
Important Notice: Real Debt Help is a private company. We are not a government agency, not affiliated with any federal, state, or local government entity, and do not provide legal advice. We are not a law firm. For legal advice, consult a licensed attorney in your state.
Real Debt Help provides debt relief services including referrals to and/or facilitation of debt consolidation, debt settlement, debt management plans, and other financial programs. We may act as a direct service provider, a referral service, or both depending on your situation and the programs available in your state.
Our services may include:
Our services do not include:
We make no guarantees regarding the outcome of any debt relief program. Results vary significantly based on individual circumstances including but not limited to: the amount and type of debt, creditor cooperation, your ability to make consistent program payments, your state of residence, and other factors beyond our control.
Estimates, projections, and savings calculations displayed on the Site (including the debt calculator) are for informational purposes only and are based on historical averages. They do not represent a promise, guarantee, or prediction of your individual results. See our Disclosures page for complete details.
By using the Site and our services, you agree to:
By submitting your contact information through the Site (via form, chat, or text message), you provide express written consent under the Telephone Consumer Protection Act (TCPA) to receive calls, text messages (SMS/MMS), and emails from Real Debt Help and/or our partners, including calls using an automatic telephone dialing system or prerecorded voice. This consent is not a condition of any purchase. See our Privacy Policy for full details on how to opt out.
All content on the Site — including text, graphics, logos, images, software, and design — is the property of Real Debt Help or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any Site content without our prior written permission.
We may refer you to or connect you with third-party service providers (debt settlement companies, consolidation lenders, management plan providers, etc.). These are independent entities. We are not responsible for their services, representations, fees, performance, or privacy practices. Your relationship with any third-party provider is governed by that provider's own terms and agreements.
The Site may contain links to third-party websites. We are not responsible for the content or practices of these external sites.
THE SITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that: (a) the Site will be uninterrupted, secure, or error-free; (b) the results obtained from the Site or services will be accurate or reliable; (c) any defects will be corrected; or (d) the Site is free of viruses or other harmful components. You use the Site at your sole risk.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, REAL DEBT HELP, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.
You agree to defend, indemnify, and hold harmless Real Debt Help, its owners, officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site or services; (b) your breach of these Terms; (c) your violation of any law or third-party rights; or (d) any information you provide to us.
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.
Any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or our services ("Dispute") shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall be conducted by a single arbitrator in the state where our principal offices are located, or remotely by mutual agreement.
You agree that any arbitration shall be conducted on an individual basis and not as a class, consolidated, or representative action. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Exceptions: Either party may bring a claim in small claims court if it qualifies. Either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.
Opt-out: You may opt out of this arbitration provision by sending written notice to legal@realdebthelp.com within 30 days of first accepting these Terms. Your notice must include your name, address, phone number, and a clear statement that you wish to opt out.
YOU AND REAL DEBT HELP AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If this class action waiver is found to be unenforceable, the entire arbitration provision shall be void.
These Terms shall be governed by and construed in accordance with the laws of the State of [YOUR STATE], without regard to its conflict of law principles. Any legal proceedings not subject to arbitration shall be brought exclusively in the state or federal courts located in [YOUR COUNTY], [YOUR STATE].
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed. The remaining provisions shall continue in full force and effect.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after any modifications constitutes acceptance of the revised Terms. We recommend reviewing these Terms periodically.
For questions about these Terms of Service, contact us at:
Real Debt Help
Phone: +1 855-321-3606
Email: legal@realdebthelp.com
Related pages: Privacy Policy · Disclosures · State Licenses · Back to Home