Terms and Conditions
American Debt Relief is a FREE financial education and referral platform. We connect consumers with various debt relief options tailored to their needs. The solutions we recommend come from third-party providers, including debt management companies, debt settlement firms, and other specialized debt relief services, as well as attorneys or law firms with whom we have a referral partnership and receive compensation for referrals. We encourage you to explore different options, compare services and costs, and conduct thorough research to make informed decisions, as consumer experiences with companies can vary and personal financial situations differ.
While we do not charge consumers for our financial education content or the referral connections we facilitate, we may receive compensation for:
American Debt Relief is not a law firm, we do not provide legal advice, and we are not attorneys. We are an educational platform that offers a referral service for various debt relief services. We always recommend conducting thorough research and comparing various service providers before making a decision. If you are already working with an attorney, it is best to consult them for legal advice as they are familiar with your situation and the laws in your state.
We hope you find American Debt Relief useful in your journey to financial recovery.
Personal Loans Advertiser Disclosure
The Personal Loan offers featured on our site are from companies or affiliates from which American Debt Relief may receive compensation. This compensation may influence the presentation and order of products on our site (for example, the sequence in which they appear or whether a lender is "featured"). American Debt Relief does not include all Personal Loan companies or all types of offers available in the marketplace, and you may find more suitable offers elsewhere.
Personal Loan Providers set the underwriting criteria for approval, and American Debt Relief does not influence or control the decision-making process of these providers. You should review each provider's terms and conditions to determine which loan best fits your financial situation. All efforts are made to provide and maintain accurate information; however, American Debt Relief cannot guarantee that all information provided is complete or accurate, as it relies on information received from loan providers. All rates, fees, and terms are subject to change at the discretion of the provider and are presented without guarantee. There is no assurance that you will be approved for a loan or that you will qualify for the advertised rates, fees, or terms. American Debt Relief shall not be responsible for the inability to receive a loan at the advertised rates, fees, or terms, or for any loan approval denial.
When referred to a loan provider representative, be sure to discuss the actual terms and rates for which you may qualify based on your credit history and ability to repay the loan. Lenders may charge an origination fee, which varies between lenders. It's important to ask about all fees, costs, and terms associated with each loan product upfront. Loan amounts may vary and are available through participating lenders or affiliates; however, factors such as your state, credit history, credit score, personal financial situation, and lender underwriting criteria can impact the loan amount, fees, terms, and rates offered. In some cases, lenders may require you to have an account with them for a certain period to qualify for better rates on their personal loan products. Discuss all your options with the loan representative to ensure you make an informed decision.
Business Loans Advertiser Disclosure
Business Loan offers featured on this site are from companies or affiliates from which American Debt Relief may receive compensation. This compensation may influence the presentation and placement of products on this site (for example, the sequence in which they appear or whether a lender is highlighted on the site). American Debt Relief does not encompass all Business Loan companies or all types of offers present in the marketplace, and you may discover more suitable offers elsewhere.
Business Loans are intended for commercial use only. By applying for a business loan through a provider, you acknowledge that the loan will be used solely for business purposes and not for personal, family, or household purposes. American Debt Relief does not exert control over your application process or the specific requirements your business loan provider may impose as part of your loan application.
Many of our Business Funding Partners or affiliates do not require collateral for business loans; however, it's important to note that certain lenders may require collateral based on your specific loan needs and their underwriting criteria. Traditional bank loans and SBA loans often have collateral requirements.
We advise you to consider all available options and explore various business loan products to ensure you select the most appropriate solution for your needs. Business loans are not one-size-fits-all; there are several types that may be offered or discussed with you upon completing your application. Business Funding Partners establish the underwriting criteria for approval, and you should review each Partner's terms and conditions to determine which business funding option aligns with your business's financial situation. While we strive to provide and maintain accurate information, American Debt Relief does not guarantee the accuracy or completeness of the information received from its Business Funding Partners and is not responsible for any inaccuracies or incomplete information presented by the Business Funding Partners on this site. All rates, fees, and terms are presented without guarantee and are subject to change at each Partner's discretion. There is no assurance that your business will be approved for credit or that, upon approval, your business will qualify for the advertised rates, fees, or terms. Lender terms and conditions will apply, and not all products may be available in all states. It is advisable to discuss all options and inquire with the loan representative about the availability and terms of loans in your state.
Student Loan Refinancing Advertiser Disclosure
Student loan offers featured on this site are from companies or affiliates from which American Debt Relief may receive compensation. This compensation may influence the presentation and placement of products on this site (including, for example, the order in which they appear or whether a lender is highlighted). American Debt Relief does not cover all student loan companies or all types of offers available in the marketplace, and you may discover more suitable offers elsewhere.
As part of our agreements with our Partners or affiliates in our Network, American Debt Relief may also receive information from the Partner or affiliate regarding the status of your application, including but not limited to the amount or disposition of your loan. Information specific to the Partner/affiliate's use of your information will be found in their respective Privacy Policy. Any information received by American Debt Relief may be used in accordance with and in compliance with American Debt Relief's Privacy Policy.
Potential savings may vary based on the interest rates, balances, and remaining repayment term of the loans you are seeking to refinance. Your overall repayment amount may be higher than the loans you are refinancing even if your monthly payments are lower. Variable rate options will fluctuate over the term of your loan with changes in the index rate used by the lender and will vary based on applicable terms and the presence of a co-signer. Fixed interest rates may be based on applicable terms and the presence of a co-signer. Additional terms and conditions, and rates are subject to change at any time without notice by the lender or loan provider and may not be available in all states or for all types of current student loans. Such changes should only apply to applications taken after the effective date of change.
Please note: Due to federal regulations, Lenders are required to provide every potential borrower with disclosure information before they apply for a private student loan. The Lender you select is required to provide you with an Application Disclosure and an Approval Disclosure within the application process before you accept the terms and conditions of your loan. American Debt Relief is not a lender or creditor; it does not offer, extend, or alter credit terms. Only participating lenders can perform the full application and deliver the required disclosures. Please ask your lender about rates, terms, fees, and potential discounts that may be available for each product.
Furthermore, please be advised that:
General Disclosures
American Debt Relief is not a lending institution and does not provide, modify, or report credit directly. Instead, we serve as an online platform that enables consumers to explore and compare rates, terms, and costs associated with a variety of financial products, including mortgages, auto loans, personal loans, and student loans. We do not create or finance any of the products we advertise; our role is to connect you with a network of lenders or partners/affiliates.
Please be aware that American Debt Relief does not collaborate with every lender, and there may be other offers available that are not presented on our site. We encourage you to engage with multiple lenders or partners/affiliates from our network to determine the precise terms and potential savings for your situation. It is important to note that only a lender can offer you a formal credit application. Your submission through our platform is simply an indication of your interest in obtaining credit or assistance.
We advise you to continue shopping around and comparing offers from various lenders, credit unions, and local financial institutions to ensure you secure the best deal for your specific needs.
Consulting with a tax professional or financial advisor is recommended to assess whether refinancing is beneficial for you, especially if it may extend the term of your existing loan. Inquire about all relevant terms, rates, fees, and costs associated with each financial product to determine if there is a net tangible benefit for you. Please note that all initial estimated savings are based on hypothetical rate calculations; however, American Debt Relief cannot guarantee these savings or that lenders will approve a product that meets these expectations. Rates are subject to change daily and are not guaranteed. The actual underwriting will be conducted by lenders/brokers/dealers/partners, and they will determine if you meet their underwriting criteria, which is not known to American Debt Relief at the time of matching/offer/quote delivery. All figures provided are estimates and examples only and should not be considered as an actual offer.
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