Disclaimer

NoMoreDebt.com is an independent, advertising-supported comparison and referral website. The information published on this site is intended for general informational purposes only and should not be construed as professional financial, legal, or tax advice.

We are not a debt settlement company, credit counseling agency, law firm, or financial institution. We do not directly provide any debt relief services.

Nothing on this website constitutes financial, legal, or tax advice. The content provided is for informational and educational purposes only.

• Our settlement calculator provides estimates only — not guarantees or professional assessments
• Program comparisons are based on publicly available information and may not reflect current offerings
• We do not assess your individual financial situation or creditworthiness

We strongly recommend consulting with a licensed financial advisor, attorney, or credit counselor before making any decisions about debt settlement, bankruptcy, or other financial relief options.

NoMoreDebt.com participates in affiliate marketing programs. This means we may earn a commission or referral fee when you:

• Click on links to partner debt relief companies listed on our site
• Submit a form or request a free consultation through our website
• Enroll in a debt relief program through a partner company

The companies listed on this site do not pay to have specific star ratings, review scores, or editorial opinions — only placement in our comparison tables may be affected by our commercial relationships.

Any statistics, savings figures, or outcomes mentioned on this website — including in testimonials and our settlement calculator — are for illustrative purposes only.

• Past results do not guarantee future outcomes. Debt settlement results vary significantly based on individual circumstances, creditor policies, and program compliance.
• Testimonials shown represent individual client experiences and may not be typical of results achieved by all clients.
• The “average savings” figures cited are based on completed program data and exclude clients who did not complete their programs.

Not all debts are eligible for settlement. Not all creditors will agree to settle. Individual results depend heavily on your specific creditors, account balances, and willingness to comply with program requirements.

We strive to provide accurate, up-to-date information about debt relief programs, companies, fees, and eligibility requirements. However:

• Program details, fees, and availability are subject to change without notice
• We cannot guarantee the accuracy, completeness, or timeliness of all information on this site
• You should verify all information directly with the debt relief provider before making any decisions
• State availability and program qualifications vary by location

NoMoreDebt is not responsible for any errors or omissions in the content, or for any actions taken in reliance on the information provided.

• Credit Impact: Enrolling in a debt settlement program typically requires stopping payments to creditors, which will negatively impact your credit score and remain on your credit report for up to 7 years.
• Creditor Actions: While in a debt settlement program, creditors may continue to pursue collection activities, charge late fees, and potentially file lawsuits against you.
• Tax Consequences: The IRS may consider forgiven debt as taxable income. You may receive a 1099-C form and owe taxes on the amount settled.
• No Guarantees: Not all creditors will agree to negotiate, and there is no guarantee that any specific debt will be settled at a particular amount.

Consult a tax professional and financial advisor to fully understand the implications of debt settlement for your specific situation.

This website complies with the Federal Trade Commission’s guidelines on endorsements, testimonials, and affiliate marketing disclosures.

• All material connections between this site and advertised companies are disclosed
• Testimonials reflect genuine client experiences but may not represent typical results
• Partner company rankings may be influenced by compensation received
• We operate in compliance with the FTC’s Telemarketing Sales Rule (TSR) for debt relief services

If you believe any content on this site violates FTC guidelines, please contact us at compliance@nomoredebt.com.

If you have questions about this Disclaimer or our practices, please reach out:

• Email: compliance@nomoredebt.com
• Phone: 1-800-555-0199
• Address: NoMoreDebt LLC, 123 Financial Ave, Suite 400, Miami, FL 33101