We provide educational information and personalized guidance to help you get a clearer picture of your debt situation, understand options that may be available to you, and identify possible next steps. We help organize and evaluate the information you provide, but you remain in control of your decisions and any communication with your creditors.
Our service is designed for consumers who want a clearer understanding of their debt situation and possible ways to move forward. It may be especially useful if you feel overwhelmed, are unsure what options exist, or want objective information before deciding what to do.
We help you organize your debt information, review your overall financial situation, identify potential options, and provide guidance about possible next steps. Our goal is to give you clarity so you can make your own informed decisions.
Yes. When you purchase a personalized assessment, we review the debt, income, expense, and other relevant information you provide. Your Debt Action Package is prepared based on your individual situation rather than providing only general debt information.
Depending on the service you purchase, you may receive organized information about your debts, an assessment of your current situation, potential options to consider, important considerations associated with those options, and suggested next steps. Your personalized service is designed to provide a clearer path forward.
Our educational services primarily focus on helping consumers understand situations involving unsecured consumer debt, such as credit cards, personal loans, medical bills, and certain collection accounts. Different rules and options may apply to mortgages, vehicle loans, taxes, student loans, and other specialized debts.
No. You do not have to be behind on your payments to use our educational or assessment services. Your available options may be different depending on whether your accounts are current, past due, charged off, or in collections.
Yes. Having several creditors is one reason organizing your financial information can be valuable. We can help you put your debts into a clearer overall picture so you can better evaluate your situation.
General debt information is widely available online. Our personalized service is designed to help organize that information around the financial details you provide so you do not have to sort through everything by yourself to determine what may be relevant to your situation.
For services that include a personalized assessment, the information you provide is reviewed as part of preparing your personalized Debt Action Package. The purpose is to provide information that is relevant to the circumstances you submit rather than only providing generic educational material.
No. Purchasing our service does not require you to enroll in a debt settlement, debt consolidation, credit repair, or other debt program. You decide what, if anything, you want to do after reviewing your information and options.
No. We are not a debt settlement company. We do not enroll your debts into a settlement program, hold funds for settlements, or negotiate settlements with creditors on your behalf.
No. We are not a debt negotiation company. We do not negotiate with creditors or collection agencies on your behalf.
No. We do not negotiate with creditors for you. We may provide educational information that can help you become better prepared to communicate with a creditor yourself, but the communication and decisions remain yours
No. We do not contact, call, write to, or otherwise communicate with creditors or collection agencies on your behalf. You remain responsible for your own creditor communications.
No. We are not a debt consolidation company, and we do not provide or arrange debt-consolidation loans.
No. We are not a law firm or legal services company. We do not provide legal representation or act as your attorney.
No. We provide educational information, not legal advice. If you need advice about your legal rights, a lawsuit, court documents, bankruptcy, or another legal matter, you should consult a qualified attorney.
No. We are not a financial advisory or investment advisory company. Our service provides debt-related education and information and is not a substitute for individualized financial, investment, tax, or fiduciary advice.
No. We are not a credit repair company. We do not dispute credit-report information or promise to remove negative information from your credit report.
No. We are not a bankruptcy advisory service or law firm. We do not advise you whether you should file bankruptcy or represent you in a bankruptcy proceeding. A qualified bankruptcy attorney can provide advice about your specific legal situation.
No. We do not guarantee that any creditor will reduce, forgive, modify, or settle a debt. Any outcome depends on the creditor, your circumstances, and other factors outside our control.
No. Our service is designed to help you become informed and prepared. We do not take control of your accounts or make financial decisions for you. You remain responsible for choosing and carrying out your next steps.
You provide the requested information about your debts and financial situation. We organize and review the information and, for a personalized assessment, prepare a Debt Action Package designed to give you clarity about where you currently stand, options that may be relevant, and possible next steps.
We may ask for information about your debts, balances, creditors, payment status, income, expenses, and other details needed to understand your overall situation. You should provide information as accurately and completely as possible.
Your Debt Action Package is designed to organize your financial information and provide a clearer picture of your situation, potential options that may be available, important considerations, and practical next steps for you to evaluate.
Yes, when you purchase a personalized assessment. The information and guidance are based on the financial details you provide rather than relying only on general debt information.
The expected delivery timeframe will be shown with the service you purchase. Providing complete and accurate information helps prevent delays caused by missing information or follow-up questions.
If your purchased service includes follow-up assistance, you may ask questions to clarify the educational information contained in your package. The scope of any follow-up assistance will be described with the service you purchase.
IMPORTANT NOTICE
DIY Debt Resolution provides educational resources only.
Nothing on this website, in our products, or in our services should be interpreted as legal advice, financial advice, debt-settlement services, debt-consolidation services, negotiation services, or guarantees of any kind.
All decisions, communications, negotiations, and actions remain solely the responsibility of the consumer.
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The price is clearly displayed before you purchase a service. You will be able to review the price and what is included before making your payment.
Services identified as a one-time purchase are charged once for that service. They are not monthly debt-program payments or ongoing settlement fees.
We clearly identify the price of the service before purchase. We do not automatically enroll you in a debt settlement program or charge ongoing settlement fees simply because you purchased our educational service.
No. We do not charge you a percentage of your enrolled debt or a percentage of a negotiated settlement because we are not providing debt settlement or debt negotiation services.
Refund and cancellation eligibility depends on the service purchased and whether work on the service has already begun or been delivered. Please review the refund and cancellation terms displayed with your purchase for the applicable policy.
No. We do not sell your personal information to third parties.
We do not sell your personal information as a lead to debt settlement companies or other third parties.
We do not sell your information to third parties for them to market debt services to you. Any limited sharing necessary to operate the service is governed by our Privacy Policy.
For a personalized assessment, financial information is necessary to understand the situation you are asking us to review. We request information relevant to preparing the service you purchased.
You should never send sensitive login credentials such as your online banking or creditor-account passwords unless a specific secure process expressly requires information and explains why. Follow the information requirements provided when completing your service questionnaire.
We treat the information you submit as private information and use it to provide and administer the services you request. Details about the types of information collected, how it is used, service providers involved, retention, and your privacy rights are explained in our Privacy Policy.
Review the information in your package, including your current situation, potential options, and suggested next steps. You then decide which direction, if any, you want to pursue. You remain in control of the decision.
Your personalized assessment can identify and explain options that may be relevant based on the information you provide. The purpose is to help you compare possibilities—not to make the final decision for you.
No. The information we provide is educational and informational. You decide what actions, if any, you want to take based on your circumstances.
Yes. Consumers can communicate directly with their creditors. Our educational information may help you become better organized and prepared before having those conversations.
Do not ignore court papers or legal deadlines. Because we are not a law firm and cannot provide legal advice or representation, you should consider promptly contacting a qualified attorney or appropriate legal-assistance resource.
Debt options can change when your income, expenses, account status, balances, or other circumstances change. If your situation changes substantially, previously prepared information may need to be reconsidered based on your new circumstances.
No. We provide educational information and personalized guidance. We do not enroll you in a debt settlement program, collect settlement funds, or negotiate with creditors on your behalf.
Consumers can communicate directly with their creditors. Whether you choose to handle communications yourself or obtain assistance from another professional is your decision.
Purchasing educational information from us does not itself constitute a debt settlement enrollment. However, actions you later take regarding your debts—such as missed payments, settlements, new loans, or other account changes—may affect your credit. Credit effects depend on the actions taken and your individual credit history.
No. We do not instruct you to stop paying creditors. Decisions about payments can have significant financial and credit consequences and should be evaluated carefully based on your circumstances.
No. Every creditor establishes its own policies and makes its own decisions. We cannot guarantee that a creditor will offer a hardship program, modify an account, accept a settlement, or agree to any particular terms.
Forgiven or canceled debt may have tax consequences in some circumstances. Tax treatment depends on individual facts and applicable tax rules. We do not provide tax advice, so questions about your particular tax situation should be discussed with a qualified tax professional.
That is one reason preparation can be valuable. Our educational service can help you understand your situation, organize relevant information, and identify questions or topics you may want to discuss. We do not make the creditor call for you, but being prepared can make the conversation easier to approach.
The purpose of our service is to reduce that uncertainty. We help organize the information around three basic questions: Where do I stand now? What options may be available to me? What are my possible next steps? You can then decide how you want to proceed.
IMPORTANT NOTICE:
DIY Debt Resolution is an educational resource provider.
Our products and services are intended to help consumers better understand debt-related information, communications, terminology, and available options.
We do not represent consumers, negotiate debts, communicate with creditors, provide legal advice, provide financial advice, or direct consumer actions.
Nothing on this website, in our products, or through our services should be interpreted as legal advice, financial advice, debt negotiation services, debt-settlement services, debt-consolidation services, or a guarantee of any outcome.
All decisions, communications, negotiations, and actions remain solely the responsibility of the consumer.
If you are looking for educational resources designed to help you better understand debt-related information, communications, terminology, and available options, we invite you to get started.
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DISCLAIMER
Review and guidance service only. No guaranteed outcome. Not legal advice unless separately provided through licensed counsel.
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