1. Acceptance of Terms
By accessing and using the DebtBustersUSA website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not use our services.
2. Description of Services
DebtBustersUSA provides debt relief and financial counseling services, including but not limited to:
- Debt consolidation assistance
- Credit counseling and repair services
- Financial education and coaching
- Negotiation with creditors on your behalf
- Personalized debt elimination strategies
- AI-powered financial optimization recommendations
Our services are designed to help clients reduce debt burdens and improve their overall financial health through legitimate and ethical means.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Have unsecured debt of at least $7,500
- Provide accurate and complete information about your financial situation
- Have the legal capacity to enter into binding agreements
4. Fees and Payment
Fee Structure
- Setup Fee: One-time fee of $75 upon enrollment
- Monthly Service Fee: $79 per month for ongoing services
- Consultation: Initial consultation is provided at no charge
Payment Terms
Payment is due monthly in advance. We accept major credit cards, debit cards, and ACH bank transfers. Fees are non-transferable and non-refundable except as specifically outlined in our refund policy.
5. User Responsibilities
As a client, you agree to:
- Provide accurate, complete, and up-to-date financial information
- Respond promptly to requests for documentation or information
- Make payments according to the agreed schedule
- Notify us immediately of any changes to your financial situation
- Follow our recommended strategies and guidelines
- Maintain communication with your assigned counselor
- Not engage in any fraudulent or deceptive practices
6. Service Limitations
While we strive to provide exceptional results, please understand:
- We cannot guarantee specific outcomes or debt reduction amounts
- Results vary based on individual circumstances and commitment
- We cannot eliminate legitimate debts without payment
- Some creditors may not agree to our negotiation proposals
- We do not provide legal, tax, or investment advice
- We cannot prevent all collection activities or legal actions
7. Cancellation and Refunds
Your Right to Cancel
You may cancel our services at any time without penalty by providing written notice via email to [email protected] or by calling our customer service line.
Refund Policy
- 30-Day Money-Back Guarantee: Full refund of all fees if you cancel within 30 days of enrollment
- Prorated Refunds: Monthly fees are prorated if services are cancelled mid-month
- Setup Fee: Non-refundable after 30-day period
8. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these terms by reference. By using our services, you consent to our privacy practices as outlined in our Privacy Policy.
9. Disclaimers
NO WARRANTIES: Our services are provided "as is" without any warranties, express or implied. We disclaim all warranties including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
RESULTS NOT GUARANTEED: While we work diligently to achieve positive outcomes for our clients, we cannot guarantee specific results, debt reduction amounts, or timeframes for debt elimination.
CREDIT IMPACT: Participation in debt settlement programs may negatively impact your credit score. Some programs may require you to stop making payments to creditors, which will likely result in late payments being reported to credit bureaus.
10. Limitation of Liability
To the fullest extent permitted by law, DebtBustersUSA shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or related to your use of our services.
Our total liability to you for any claim related to our services shall not exceed the total amount you paid to us in the twelve months preceding the claim.
11. Termination
We reserve the right to terminate your account and discontinue services if you:
- Breach these Terms and Conditions
- Provide false or misleading information
- Fail to make required payments
- Engage in fraudulent or illegal activities
- Are abusive or threatening toward our staff
12. Modifications
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Continued use of our services after changes are posted constitutes acceptance of the modified terms.
13. Contact Information
If you have questions about these Terms and Conditions, please contact us:
- Email: [email protected]
- Phone: +1 (833) 828-1346
- Address: 7777 Bonhomme Avenue Clayton Missouri 63105
- Hours: Monday-Friday, 8:00 AM - 8:00 PM EST