Debt.com - Welcome to Easier Street™.
Terms of Use
Debt.com is so confident that you will be satisfied with the debt settlement company that we suggest you use, we offer this Performance Promise. If you, the individual consumer, are referred by us to a debt settlement company and you enter into a lawful contract with that company we guarantee that the debt settlement company will negotiate and settle your enrolled, accepted debts for an aggregated amount (total of all settled debts) 40% less than their total amount at the time of enrollment, not including any program fees. If the debt settlement company is not able to meet the aforementioned result, separate and unique from any promises or claims the consumer may have against the settlement company, Debt.com shall pay the consumer $1,000 solely as a voluntary courtesy and good customer service practice. This limited guarantee requires that the enrolled consumer timely complete all contractual obligations between it and the debt settlement company that the consumer selects based on our suggestion, and makes all scheduled payments on a timely basis to the company. Claims must be presented to Debt.com directly from consumer in writing. Debt.com shall respond to such claims within thirty days of receipt. This guarantee is limited to consumers who enroll in unsecured debt settlement programs, and is not applicable to secured debt, credit repair or other programs. As such, consumer should carefully read and understand any agreement that it enters into with its debt settlement company, as Debt.com is not a party to the debt settlement program, and is not obligated under those contracts in any way to the consumer. Debt.com extends no other warranty or guarantee, either express or implied, and consumer expressly disclaims such, relating to the quality or outcome of the debt settlement program. At all times, CLIENT remains responsible for payment of all debts. This limited guarantee shall be void if prohibited by state or federal law, or if the consumer or company fail to comply with any applicable law or contract requirement. The total remedy for any consumer claim under this guarantee shall be limited to $1,000 inclusive of all attorneys’ fees and costs, and the parties to this guarantee expressly waive any right to file any claim in a class style or representative proceeding. The manner in which Debt.com calculates settlement percentages based on contracts between consumers and third party debt settlement companies is solely at discretion of Debt.com, and consumer shall not refuse reasonable settlement offers. Debt.com shall have final authority over the application, enforcement and payment of any funds due under this Limited Guarantee.
Frequently Asked Questions and Uncommonly Frank Answers
Q: Can you really get me out of debt?
A: Any company that tells you they can get you out of debt is
not being honest. Only YOU can get you out of debt. However, we will
be here to help every step of the way.
Regaining control of your finances is your decision to make. We're here to make the going easier, once you decide to go for it. Soon a debt negotiation consultant will guide you in working things out with your creditors. And you'll get help with creating a budget you can maintain. We know you can do this.
Not to harp on it, but we can't stress this enough – we won't get you out of debt. You'll do that part. But we will do our best to make the process easier than if you tried this on your own.
Q: I'm getting calls from bill collectors and lawyers. Can
you help with that?
A: We know how confusing all the bankruptcy-versus-debt-settlement
advice can be. And while we aren't legal advisors, we can point you
in the right direction. If you're getting calls from bill collectors
or threats of lawsuits, it may be in your best interest to find an
attorney in your area who specializes in this field of practice.
Meanwhile, our debt consultant partners can work to help you get
started on making your debt manageable again.
Q:
Who are you guys, and how do I know I can trust you?
A: We're a company that connects you with debt consultants who can
help you get out from under your debt and back in control of it. We
stake our reputation on your trust. We guarantee our work. We never
make deceptive claims. We even have a money back policy*, just to
underscore how insanely devoted we are to helping you stand strong on
your own again without all that unwanted debt weighing you down. You
may review our limited money back guarantee
here.
Q: Easier Street™? Come on. Really?
A: Yes really. What's not for real are our competitors' claims that
dealing with unwanted debt is a walk in the park. A piece of cake. Or
our all-time least favorite false claim – plain easy. It just
doesn't get any more unreal than that.
No matter what circumstances bring you here – our drive is to ease your fears, prove that you can count on our expertise, and do everything we can to empower you to make the best choice when it comes to dealing with debt.
Give us the go-ahead – start now! We'll refer you to a debt consultant who will carefully assess your unique situation and match your needs to the most achievable solution. We're out to be your trusted, go-to source for debt help. We're the ones you can rely on to shoot straight with you and say, “Not easy. Just easier.”
Q: Is this going to hurt? My credit score, I
mean?
A: Short answer: most of the time debt settlement does decrease your
credit score, at least in the short term.
In our opinion, that score should be the least of your worries at this point. If you've got 10, 20, 30-thousand-or-more dollars worth of credit card debt – how does a good credit score serve you? If someone's up to their neck in debt and someone promises no damage to their credit score, that's like offering a drowning person a glass of water, don't you think? We would never do that to you.
Maybe you're in a position like most of our clients were when they first came to us – trying to make minimum payments to creditors only to find the balances going up instead of down. If that's the case, then you're already feeling some pain. Chances are your debt burden can start being a lot easier to manage once we match you with a debt consultant. That's how we score points with our clients.
If you're concerned about your credit score, we understand. But we promised uncommonly frank answers here. If someone tells you the pursuit of debt settlement isn't going to hurt your credit score, they're simply lying to you.
Q: I have this recurring nightmare of being attacked by a
giant swarm of killer bees. Can you help?
A: Sorry. No bug spray or dream interpreters here. Hot spicy foods
and money issues can stir up scary scenarios when you're trying to
sleep. We can't exterminate the bees. But our dream team can help you
with debt. Which should help you rest easier.
Unwanted debt simply is not easy. There's the sting. But like we've already explained, our company connects you with true debt consultants who can help you wake up to this simple fact: you can get yourself out of debt. We'll get you headed in the right direction. Our service is confidential and secure. Let's get started.
*Limited performance guarantee: Debt.com's network of debt consultants has been crafted with your success in mind. If you sign up for a debt settlement program with a provider that we refer you to, fulfill your obligations as defined by their program agreement, and don't see a 40% debt reduction based on your total debt at time of settlement, Debt.com will pay you $1,000, guaranteed. May not be available in every state and void where prohibited by law. Click here for complete details.