This page covers how you can use the SettleDebtHub website and what applies once you ask us to see what options might be available for your debt. Browsing this site or submitting a request means these terms apply to you — worth a few minutes to read before you do.
Welcome to SettleDebtHub. However you're using this site — browsing, comparing paths, or submitting a request to see what options might be available for your debt — using it at all means you've read, understood, and agreed to everything below.
Before you continue: if any part of this agreement doesn't sit right with you, stop here and hold off on submitting your information.
This site exists to help you see what options might be available for your debt, so that's the only reason to use it. SettleDebtHub grants you a limited, non-exclusive, non-transferable right to browse and use the site for that purpose. A few things are off the table:
Break any of these and we can suspend or shut off your access — without notice, at our discretion.
SettleDebtHub is a marketing website — not a debt settlement company, law firm, credit counseling agency, or lender. We don't negotiate with your creditors, and we don't decide what any provider offers you. What we actually do is connect you with a network of independent, vetted debt relief providers who review your unsecured debt and see what they can offer.
Submitting a request through our site doesn't mean you're enrolled in a program, or that any provider is obligated to work with you. Every decision — whether to take you on, what they propose, how they structure it — belongs to the provider you're matched with, made under their own review process and the laws that govern them.
We're a matching service, not the decision-maker. We may share your request with providers in our network, and we may be compensated by those providers for the referral. We never charge a fee to get matched.
Everything on this site — articles, tools, guides — is here to inform you, not advise you. None of it is financial, legal, tax, or credit counseling advice. Before you make a decision about your debt or your finances more broadly, talk to a qualified professional who actually knows your full situation.
We work to keep what's here accurate and current, but SettleDebtHub makes no warranty, express or implied, about its accuracy, completeness, or fitness for any particular purpose. Whatever you act on from this site, you act on at your own risk.
Any timelines, figures, or example scenarios shown on this website are illustrative — not a promise of what you'll be offered or what you'll save. What a provider actually proposes, if anything, is decided by that provider based on your creditors, your total debt, and their own review at the time you're matched.
Our site connects with, and may reference, third-party debt relief providers, service providers, and outside websites. SettleDebtHub isn't responsible for the accuracy, practices, security, or content of any third party. Any agreement you enter with a provider exists strictly between you and that party.
Before moving forward with a provider, take the time to review their own terms, fees, and privacy policy.
To the fullest extent the law allows, SettleDebtHub and our officers, directors, employees, agents, and successors aren't liable for any indirect, incidental, punitive, special, or consequential damages — including lost revenue or data — arising from:
These terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-law provisions. Any dispute arising from or related to these terms falls under the exclusive jurisdiction of the courts of Mecklenburg County, North Carolina.
We may update these terms from time to time. Continuing to use the site after a revision means you accept the updated version — the most current terms will always be available on this page.
Questions about this agreement, or anything else? Our team is easy to reach:
Important Lending, Financial Services, E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: SettleDebtHub is a marketing lead generator and referral network and is not a lender, law firm, CPA firm, or government agency, does not make credit or lending decisions, and cannot guarantee approval, loan amount, settlement outcome, rates, or terms. We connect applicants with participating Financial Services Companies and Direct Buyers / Resolution Desks and may share your application information with them; we may be compensated by participating partners for this service. We do not charge an application fee. Programs and loans are not available in all states, and amounts, rates, and terms vary by state and provider.
TCPA Prior Express Written Consent (47 U.S.C. § 227) & E-SIGN Disclosure: By checking the consent box and submitting a request on this website, you provide your electronic signature under the E-SIGN Act and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing SettleDebtHub and its designated Marketing Partners (along with participating Financial Services Companies and Direct Buyers / Resolution Desks) to contact you at the telephone number (including wireless/mobile numbers) and email address provided via recurring marketing, promotional, and informational calls and SMS/MMS text messages using an automated telephone dialing system (ATDS), artificial or prerecorded voice, AI-generated voice, or ringless voicemail, even if your telephone number is currently listed on any Federal, State, or corporate Do-Not-Call (DNC) registry. Consent is strictly voluntary and is not a condition of purchasing any goods or services or obtaining credit or financing. Message and data rates may apply; message frequency varies. Reply STOP at any time to opt out of text messages or HELP for assistance.