Acceptance of Terms
By accessing and using Debt Options Center ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.
Description of Service
Debt Options Center is a consumer referral service that connects individuals with independent debt relief specialists. We are not a lender, debt settlement company, credit counseling service, or direct service provider. We do not make eligibility decisions or guarantee enrollment in any debt relief program.
Eligibility to Use This Service
To use our Service, you must:
- Be at least 18 years of age
- Be a resident of the United States
- Have at least $10,000 in unsecured debt
- Provide accurate and complete information
User Obligations
When using our Service, you agree to:
- Provide truthful, accurate, and complete information
- Not misrepresent your financial situation
- Not use the Service for any unlawful purpose
- Not submit information on behalf of another person without their consent
No Guarantee of Eligibility or Enrollment
Submitting your information or completing an eligibility check does not guarantee that you will qualify for or be enrolled in any debt relief program. Eligibility decisions are made solely by independent specialists and program providers based on their own criteria, applicable state law, and your individual circumstances.
Third-Party Relationships
When you are connected to an independent debt relief specialist or program provider:
- You will be subject to that provider's terms, conditions, and fees
- Debt Options Center is not responsible for the provider's decisions, services, or outcomes
- Any agreement you enter is directly between you and the provider
- Results may vary. Debt relief programs are not available in all states
Not Available in All States
Debt relief programs vary by state. Not all programs are available to residents of every U.S. state. A specialist can confirm availability in your state during the eligibility review call.
Information Accuracy
While we strive to provide accurate information about debt relief options, we make no warranties or representations about the accuracy or completeness of information on our site, specific program terms or outcomes, or processing timelines.
Limitation of Liability
To the fullest extent permitted by law, Debt Options Center shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service or any arrangements made through independent providers.
Intellectual Property
All content on Debt Options Center, including text, graphics, logos, and design, is the property of Debt Options Center and is protected by applicable copyright laws.
Termination
We reserve the right to terminate or suspend access to our Service at any time, without prior notice, for any reason, including violation of these Terms of Service.
Changes to Terms
We may modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the Service after changes constitutes acceptance of the modified terms.
Governing Law
These Terms of Service shall be governed by the laws of the United States, without regard to conflict of law provisions.
Contact Information
For questions about these Terms of Service, please contact us at: hello@debtoptionscenter.com