● LEGAL TERMS & POLICIES

Terms of Service & User Agreement

Please read these Terms of Service carefully before using DebtConsolidationCare. Understand your rights, responsibilities, and our site governance rules.

By Loretta Kilday • Reviewed by the DebtCC Editorial Team

Debt Relief Specialist & Spokesperson

Updated Jun 10, 20265 min read

DebtCC

DebtConsolidationCare provides free educational resources and community forums subject to our transparent legal terms of service.

KEY TAKEAWAYS

You must be at least 18 years old to access and use DebtConsolidationCare services.
DebtCC provides free financial education and community forums, but does not issue loans directly.
All website content and logos are protected intellectual property of DebtConsolidationCare.
Terms may be updated periodically; continued use signifies full acceptance of revised terms.

1. Acceptance of Terms

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service. These Terms apply to all visitors, users, and others who access or use DebtConsolidationCare.

2. Use of the Service & User Conduct

Age Requirement: You must be at least 18 years old to register or use this Service.
Fair Usage: You agree not to misuse the Service, introduce malicious code, or assist others in compromising site integrity.
Information Accuracy: All details provided during registration or consultation requests must be accurate and up to date.

3. Intellectual Property & Trademarks

All content, features, code, graphic illustrations, and branding on the Service are the exclusive property of DebtConsolidationCare and its licensors. Unauthorized copying, scraping, or redistribution without written consent is strictly prohibited.

4. Limitation of Liability & Disclaimers

In no event shall DebtConsolidationCare, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use the Service.

DebtCC provides educational tools for informational purposes. Users are advised to review financial options with certified advisors prior to entering formal financial contracts.

5. Changes to Terms & Policy Updates

We reserve the right to modify or replace these Terms at any time. Changes will be effective immediately upon posting on this page. Your continued use of the site following any changes constitutes acceptance of those revisions.

6. Governing Law & Jurisdiction

These Terms shall be governed and construed in accordance with the laws of the jurisdiction in which DebtConsolidationCare operates, without regard to its conflict of law provisions.

7. Contact Information

If you have any questions or concerns regarding these Terms of Service, please reach out to our legal support team via our Contact Us page.

Important Disclosures:

By signing up for a debt counseling session, your provided details may be forwarded to the advertising company on DebtCC. You have no obligation to use their services.
Some creditors and collection agencies may refuse to lower payoff amounts, interest rates, or fees owed by the consumer.
Debt relief services can affect creditworthiness and may increase total debt due to accumulated fees.
Savings from debt settlement may be considered taxable income by the IRS.

Need help? Call/Text (800) 332-8913 or request a Free Consultation.

Loretta Kilday

Debt Relief Specialist & Spokesperson, DebtCC

Loretta Kilday, Esq., is an accomplished litigator and transactional attorney with more than 35 years of experience across debt collection, bankruptcy, and consumer law. DebtConsolidationCare features her as its spokesperson and legal advisor. She earned her J.D. from DePaul University College of Law and a B.S. in Finance from DePaul University.