Terms of use

The site provides general educational information about unsecured debt and debt settlement. DebtHelpTown is not a debt settlement company, debt relief provider, lender, credit counselor or law firm, and it does not negotiate, settle or pay debts. Site content is not individualized legal, tax, accounting or financial advice.

Nothing on this site is an offer of a debt relief program or any other financial product. Program availability, fees, terms, tax treatment and suitability vary by company, state and individual circumstances. Programs are not available in all states, and not everyone will qualify. Results vary and are not guaranteed.

The quizzes, forms and appointment calendars on this site are provided through systems operated by independent third-party companies and their service providers. When you use them, you are dealing with that company. Its terms and privacy policy govern its service and the information you submit there.

Completing a quiz or form or booking an appointment does not require you to enroll in any program. Any program discussion, recommendation, enrollment or agreement is handled solely by that company and is subject to its disclosures and applicable law.

Third-party forms appear only in states that the company running them serves, and never for residents of certain states. See the Advertising disclosure for the current list. Educational content is available in every state.

DebtHelpTown does not call, text or email visitors. A company whose form you complete may contact you under the consent language in its own form. Standard message and data rates may apply. Calls may be monitored or recorded where permitted and with any notice or consent required by law.

We aim to present understandable information, but we do not warrant that every page is complete, current or error-free. Laws, tax rules, fees and program terms can change. Confirm important information with the company involved, a qualified professional and your own legal or tax adviser before acting.

You may use the site for lawful, personal, noncommercial purposes. You may not interfere with site operation, attempt unauthorized access, introduce malicious code, scrape the site in a way that burdens our systems, misrepresent your identity, or use the site to violate law or another person's rights.

Unless otherwise stated, the site design, original text, graphics and other content are owned by or licensed to DebtHelpTown and are protected by applicable law. You may print or save reasonable portions for personal use. No other license is granted.

Third-party names, trademarks, logos and content belong to their respective owners. Their appearance does not imply endorsement unless expressly stated.

The site may link to or embed third-party websites and services. We do not control and are not responsible for their availability, content, security, privacy practices or terms. Use them at your own discretion.

To the fullest extent permitted by law, the site is provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of accuracy, availability, merchantability, fitness for a particular purpose or noninfringement.

To the fullest extent permitted by applicable law, DebtHelpTown and its owners, personnel and service providers will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages arising from site use. Some jurisdictions do not allow certain limitations or exclusions, so these limitations may not apply to you.

To the extent permitted by applicable law, you agree to indemnify and hold harmless DebtHelpTown from claims, losses, liabilities and expenses arising from your unlawful misuse of the site or violation of these Terms.

The governing law, venue and any dispute-resolution terms will be set by qualified counsel and published here before these Terms are final. Until then, nothing in this section waives rights or remedies available under applicable law.

We may update these Terms by posting a revised version and changing the date at the top of this page. Continued use after a revision means you accept the updated Terms.

DebtHelpTown does not operate a visitor contact form. A business email for DebtHelpTown will be published here.