Terms of Service

1. Acceptance of Terms

By accessing and using the services provided by Debt Management Credit Counseling Corp. ("Company," "we," "our," or "us"), you ("Client," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Description of Services

Debt Management Credit Counseling Corp. provides debt relief and financial consulting services, including but not limited to:

• Debt consolidation guidance
• Credit counseling services
• Debt settlement negotiations
• Financial education and planning
• Referrals to qualified third-party service providers

3. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete financial information
• Respond promptly to requests for documentation
• Follow the agreed-upon debt relief plan
• Make required payments as outlined in your service agreement
• Notify us immediately of any changes to your financial situation
• Maintain communication throughout the service period

4. Fees and Payment Terms

Service fees will be clearly outlined in your individual service agreement. Payment terms include:

• Initial consultation is provided at no cost
• Service fees are based on the complexity of your case
• Payment schedules will be established based on your financial capacity
• We do not charge upfront fees for debt settlement services
• All fees comply with applicable state and federal regulations

5. Service Limitations and Disclaimers

Important limitations regarding our services:

• No Guarantee of Results: We cannot guarantee specific outcomes or debt reduction amounts
• Credit Impact: Debt relief services may negatively impact your credit score
• Tax Implications: Forgiven debt may be considered taxable income
• Legal Advice: We do not provide legal advice; consult an attorney for legal matters
• Individual Results: Results vary based on individual circumstances

6. Cancellation and Refund Policy

You have the right to cancel our services:

• You may cancel within 3 business days of signing an agreement without penalty
• After the initial period, cancellation terms will be outlined in your service agreement
• Refunds, if applicable, will be processed according to your specific agreement
• Some services may have different cancellation terms based on state regulations

7. Privacy and Confidentiality

We are committed to protecting your privacy:

• All personal and financial information is kept strictly confidential
• Information is only shared with authorized third parties as necessary for service delivery
• We comply with all applicable privacy laws and regulations
• Please refer to our Privacy Policy for detailed information handling practices

8. Limitation of Liability

To the fullest extent permitted by law:

• Our liability is limited to the fees paid for our services
• We are not liable for indirect, incidental, or consequential damages
• We are not responsible for actions taken by creditors or collection agencies
• Clients assume responsibility for decisions made based on our recommendations

9. Compliance and Licensing

Debt Management Credit Counseling Corp. operates in compliance with:

• Federal Trade Commission (FTC) regulations
• Telemarketing Sales Rule (TSR)
• State-specific debt relief regulations
• Consumer Financial Protection Bureau (CFPB) guidelines
• All applicable licensing requirements

10. Prohibited Uses

You agree not to use our services for:

• Any unlawful purpose or activity
• Providing false or misleading information
• Attempting to defraud creditors or other parties
• Violating any applicable laws or regulations

11. Dispute Resolution

Any disputes arising from these Terms or our services will be resolved through:

• Good faith negotiation as the first step
• Binding arbitration if negotiation fails
• Arbitration will be conducted under the rules of the American Arbitration Association
• The prevailing party may be entitled to attorney's fees and costs

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website. Continued use of our services constitutes acceptance of modified Terms.

13. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15. Contact Information

For questions about these Terms of Service, please contact us: