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Last Updated: February 25, 2019

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Partners

You may receive an autodialed and/or pre-recorded telemarketing calls, emails and/or text messages from any one of the following partners: Accredited Debt Relief, My Enrollment Centre, Hope Credit, Debt.com, Freedom Debt Relief, National Debt Relief, Fresh Start Initiative, So-Fi. 


We allow third-party companies to collect certain information when you visit our web site or within our email newsletters. These companies may utilize cookies, pixels or other technologies to collect user information (e.g., hashed, de-identified, data, click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you. To learn more about this behavioral advertising practice or to opt-out of this type of advertising, you can visit the websites of the Digital Advertising Alliance at http://www.aboutads.info/choices

Services Offered By American Debt Relief


The offers that we share are from companies and/or law firms that we may receive compensation from. We believe that the services and products offered are reputable, affordable and will aid our users. We don’t recommend products or services just because we’re being compensated to endorse or promote it.


We may be compensated for referrals given to consumers who fill out or form or call phone numbers listed on our site that may offer professional support, as well as referrals and marketing for services including tax resolution, credit correction, student loan, mortgage refinance, medical debt resolution, unsecured debt resolution and more, that may help find debt relief solutions.


We encourage all consumers to research products and opportunities before you commit to anything or hire a professional, as we are not attorneys and we do not provide legal advice. If you have an attorney already, we hope that you ask them your question - they know your individual story.


Personal Loan Advertising Disclosure


We may be compensated by companies or affiliates for displaying the personal loan resolution offers shared on this site, which may impact how products appear and where they are displayed. Our site in no way includes all personal loan companies or solutions available to consumers.


The companies who provide personal loan solutions determine the approval criteria for the offers. Before making a decision, the consumer should review each company’s terms and conditions to determine which loan is most suitable for their needs. Approval is not guaranteed for any personal loan opportunities and is at the discretion of the provider and subject to change, including the rates, fees, and terms shown. Terms, conditions and rates are subject to change without notice at the discretion of the provider and may vary by state. These changes should only apply to applications received after the date of change. We make all reasonable efforts to share and maintain accurate information.


Before accepting any agreement or committing to anything, it is important to talk to your representative about the term, rate, fees, and costs associated with the product, as these factors may vary based on your credit history and ability to repay the loan. There can be an origination fee of roughly 1% of amount sought depending on which lender you select. Depending on your situation and the lender you are dealing with, it may be required that you have an account with the lender for a predetermined amount of time before qualifying for better rates on their products. Talk to you representative for more information and to see what you might qualify for.


Credit Card Advertising Disclosure


We may be compensated by companies or affiliates for displaying the credit card resolution offers shared on this site, which may impact how products appear and where they are displayed. Our site in no way includes all credit card debt companies or solutions available to consumers.

The companies who provide credit card resolutions determine the approval criteria for the offers. Before making a decision, the consumer should review each company’s terms and conditions to determine which loan is most suitable for their needs. Approval is not guaranteed for any credit card opportunities and is at the discretion of the provider and subject to change, including the rates, fees, and terms shown. Terms, conditions and rates are subject to change without notice at the discretion of the provider and may vary by state. These changes should only apply to applications received after the date of change. We make all reasonable efforts to share and maintain accurate information.


The opinions, analyses, reviews or recommendations shared in articles, marketing materials or elsewhere are those of American Debt Relief alone, and do not necessarily reflect the opinions, approval, or endorsement of any credit card resolution providers. All information provided on our website is presented without warranty.


Always review your selected provider’s application for specific details about terms and conditions. By clicking the “Apply Now” button on the provider’s offer, you will be given the opportunity to review their terms and conditions on their site.


Student Loan Resolution Advertising Disclosure


We may be compensated by companies or affiliates for displaying the student loan resolution offers shared on this site, which may impact how products appear and where they are displayed. Our site in no way includes all credit card debt companies or solutions available to consumers.


The companies who provide student loan resolutions determine the approval criteria for the offers. Certain student loans may not be eligible for consolidation or refinancing, and some plans may result in higher monthly payments or other negative consequences. Make sure to tell your lender if you are currently in default so that options can be discussed, as it may mean consolidation has to wait until a repayment trial has taken place. 

Before making a decision, the consumer should review each company’s terms and conditions to determine which loan is most suitable for their needs. Approval is not guaranteed for any student loan opportunities and is at the discretion of the provider and subject to change, including the rates, fees, and terms shown. We make all reasonable efforts to share and maintain accurate information. Terms, conditions and rates are subject to change without notice at the discretion of the provider and may vary by state. These changes should only apply to applications received after the date of change.


The opinions, analyses, reviews or recommendations shared in articles, marketing materials or elsewhere are those of American Debt Relief alone, and do not necessarily reflect the opinions, approval, or endorsement of any student loan resolution providers. All information provided on our website is presented without warranty.


Depending on the contract between American Debt Relief and our partners/affiliates, it is possible that we will receive information from our partners/affiliates including your application status and the amount or disposition of your loan. To find out more information on our how partners/affiliates will be using your information, visit their Privacy Policy.


Interest rates, balances, and repayment terms will impact the potential savings available to you on your loan, and results may vary. Even if your monthly loan payments are lower through refinancing, the overall repayment amount may be higher on the loan. Fluctuation in variable rate options will occur over the course of your loan, based on the index utilized by your lender as well as the applicable terms and presence of a cosigner. Applicable terms and the presence of a co-signer may impact fixed interest rates. Because of federal regulations, the Lender you select is required to provide you with an Application Disclosure and an Approval Disclosure prior to your acceptance of the terms and conditions on your loan. 


American Debt Relief is an online lead generator for consumers to shop for financial products, and does not offer, extend, or alter credit or terms, or represent itself as a creditor. We do not create, design, or fund any of the offers we share. All offers, products, and services presented by American Debt Relief are sourced through a network of partners and affiliates. Savings and terms of offers, as well as formal applications, are to be discussed with the partners/affiliates themselves, not American Debt Relief. Any inquiry forms we have available on our website are used to express interest or gain more information on available assistance. We hope that you will do your research and compare other solutions locally and online before making any decisions, as network lenders do not always have the most competitive rates available. 


Always talk to your accountant or financial advisor before committing to one of our offers in order to determine whether you can achieve successful refinancing based on the specific terms of the offer, comparing it to your current situation. Make sure to discuss applicable details and decide whether a net tangible benefit will be realized. American Debt Relief doesn’t have all necessary information to estimate your potential savings, and cannot guarantee that you will be approved for products that would warrant savings, or that you will end up saving any initial estimated amounts, or any amount at all. Fluctuations in rates are expected, as they change daily and cannot be guaranteed. The partners we work with will determine whether you meet their requirements, and American Debt Relief does not claim responsibility for this criteria or acceptance. Any amount displayed or discussed is only used as an example or estimate reflect an actual offer or reality.

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