Terms & conditions

These terms describe use of the Done With Debt, LLC website, its educational tools, and consultation request forms. Please read them together with our Privacy Policy. If you do not agree with these terms, do not submit a consultation request or use the interactive services.

Our role and services

Done With Debt is an independent enrollment and referral company. We conduct an initial qualification review using criteria established by independent debt relief providers and, when appropriate, connect consumers with a provider. We do not directly negotiate or settle debts. Final eligibility, acceptance, program terms, fees, negotiations, and settlements are determined or performed by the applicable third-party provider.

Done With Debt is not a lender, law firm, credit repair organization, tax advisor, or bankruptcy advisor. Website content is general educational information and is not individualized financial, legal, or tax advice.

Availability and eligibility

Debt relief services are not available through Done With Debt to residents of Arkansas, California, Hawaii, Louisiana, New Jersey, North Carolina, Oregon or Wyoming. Services may not be available in all other states either. A referral requires at least $15,000 in total unsecured debt, counting credit cards, unsecured personal loans and medical bills. Availability depends on your state, the provider, and individual circumstances. Services are intended for adults. Submitting a form or speaking with our team does not guarantee acceptance or enroll you in a program. Any program requires a separate agreement with the provider.

Calculator estimates

The calculator illustrates repayment using the balance, APR, monthly payment, and extra payment entered. It assumes monthly interest at APR divided by 12, a fixed APR, consistent payments, no additional borrowing, and no fees. Real account terms and daily interest calculations may differ.

Results are estimates, not a debt settlement proposal or a promise of savings. They do not include provider fees, settlement outcomes, taxes, changes to credit, or other program effects. The calculator does not access your credit report. Review your actual statements and agreements before relying on a repayment estimate.

Debt relief risks

No settlement percentage, dollar amount, savings, or completion period is guaranteed. Not all debts qualify and not all consumers complete a program. Participation may harm creditworthiness, result in collections or lawsuits, and cause balances to grow through interest and fees before resolution. Forgiven debt may be taxable. Consult a qualified tax professional about your circumstances.

Creditors are not obligated to agree to settlements. Review all written program terms, fees, cancellation provisions, and risks with the applicable provider before enrolling. A testimonial or advertisement is not a prediction of your outcome.

Consultation requests and contact permissions

Provide accurate information and only contact details you are authorized to use. When requesting a consultation, you authorize Done With Debt to contact you at the phone number and email you provide, by call, text or email, about your inquiry and about debt relief options, including calls placed with automated dialing and an artificial or AI voice. You may withdraw permission by contacting us. Do not use the form to submit confidential account identifiers or another person’s sensitive information.

Text messaging

Under the permission described above, Done With Debt may send messages about your inquiry, appointments, document requests, and requested updates, and about debt relief options. Consent is not a condition of purchasing any goods or services, and you may withdraw it at any time. Message frequency varies with your interaction. Message and data rates may apply.

Reply STOP to any message to opt out. You may receive a confirmation of your opt-out request. Reply HELP for assistance, email info@donewithdebt.com, or call (888) 322-1054. Carriers are not liable for delayed or undelivered messages. Your carrier can answer questions about your messaging or data plan. The Privacy Policy explains our mobile information and consent protections.

Website content and third-party resources

Done With Debt’s brand and website materials are provided for your personal use in learning about our services. Third-party names, logos, and marks belong to their respective owners. Media mentions and advertising relationships do not imply independent endorsement. Commercials feature actors in dramatized situations. Selected customer reviews represent individual experiences.

Third-party websites and services operate independently. Their own terms apply when you visit or use them. We aim to keep this website accurate but cannot guarantee that every external reference or changing program detail is current.

Acceptable use and availability

Do not submit fraudulent inquiries, interfere with the website, attempt unauthorized access, or use the website unlawfully. We may restrict misuse and may update, suspend, or change website features. Website availability and error-free operation are not guaranteed. Nothing in these terms excludes rights or protections that applicable law does not allow to be excluded.

Updates and questions

We may update these terms. The effective date above identifies this version. Questions may be directed to Done With Debt, LLC at info@donewithdebt.com, (888) 322-1054, or 4250 Drinkwater Blvd, Suite 300, Scottsdale, AZ 85251.