Terms of Use

These Terms of Use govern your access to and use of relievedebt.com and related services operated by Score Digital LLC (“DebtCut”). By using the site, you agree to them. If you do not agree, do not use the site.

1. DebtCut is not a debt relief provider

DebtCut is a marketing and lead-generation service. We are not a lender, debt relief provider, debt settlement company, credit counseling agency, credit repair organization, or law firm, and we are not an agent of any of them. We do not enroll you in a program, negotiate or settle anything with your creditors, hold or disburse your funds, make credit decisions, provide legal, tax, bankruptcy, or accounting advice, or take the final program application. A debt relief partner does those things, under its own agreement with you.

Any program, quote, fee, term, or result comes solely from that partner and is subject to its approval and its terms. We do not review, endorse, or verify what a partner tells you.

2. What you authorize when you submit our form

By submitting our form, you authorize DebtCut to:

• collect the information you provide — your name, phone number, email address, mailing address, date of birth, the debt amount you report, and your state;
• share or forward all of it to our debt relief and marketing partners, who pay us for it, so that they can contact you and present options;
• redirect you to a partner’s own website to continue; and
• contact you, and have partners contact you, at the phone number and email address you provide — see Calls, texts, and emails.

At the final step you also provide “written instructions” under the Fair Credit Reporting Act authorizing DebtCut and those partners to obtain information from your consumer report, solely to present debt relief options and for identity and fraud prevention. Our Privacy Policy describes all of this in full.

3. Third-party partner sites

We may direct you to partner websites that we do not operate or control. Those sites are governed by their own terms and privacy policies, and any additional information you provide there is collected and controlled by the partner. DebtCut is not responsible for the content, offers, or practices of partner sites, and any dealings you have with a partner are solely between you and that partner.

4. How we are paid

Our service is free to you. We are paid by the partners we send your information to — through marketing, lead, and affiliate fees. This compensation may affect which partners appear and in what order. We do not feature every debt relief provider or program available in the market, and the partners you see are not the result of an assessment of what is best for you.

5. No guarantee of results

Using the site does not guarantee that you will be shown any particular option, connected with a partner, accepted into a program, or offered any particular fee, term, or outcome. Any savings figures, timelines, or estimates shown on this site are illustrative, describe results other people have had, and are not a prediction or promise of what you will achieve. Your own result depends on your creditors, your balances, your state, the terms of the program you enroll in, and whether you can keep up your deposits.

6. Important things to know about debt relief programs

Debt relief is not a quick fix, and it carries real risks. Read this section before you enroll in anything. A partner should give you these details for its own specific program — if it does not, ask, and treat the omission as a warning sign.

It takes time, and it requires you to save money first

A debt settlement program works by having you build up funds and then offering creditors a lump sum. A partner must tell you, before you enroll, how long it will take to get results — typically stated as the time before it makes its first settlement offer to a creditor — and how much money you must save before it will make that offer. Programs commonly run for several years.

If you are told to stop paying your creditors, understand what follows

Some programs advise you to stop making payments to your creditors. If yours does, then for as long as you are not paying:

• your credit reports and credit score will likely be damaged, and the damage can be long-lasting;
• your balances will usually keep growing through interest and late fees, so you may end up owing more than you owe today;
• you may be contacted by debt collectors; and
• your creditors or collectors may sue you, which can lead to a judgment, wage garnishment, or a lien.

The money you save is yours

If a program asks you to set funds aside, those funds must be held in an account you own at an insured financial institution, you are entitled to the interest, and you can withdraw your money and leave the program at any time, without penalty. The person administering that account must be independent of the debt relief provider and must not pay or receive a referral fee. Be very cautious of anyone who tells you otherwise.

No one can charge you a fee before they settle a debt

Under federal law, a debt relief provider that enrolled you over the phone cannot collect any fee from you until it has actually renegotiated or settled at least one of your debts, you have agreed to that settlement, and you have made at least one payment under it. If a company asks you for an upfront fee before settling anything, that is a serious warning sign. DebtCut never charges you a fee at any point.

Not every debt settles, and not everyone finishes

Creditors are not obliged to negotiate, and some refuse on principle. Not all enrolled debts are settled, and a significant share of people do not complete these programs — most often because they cannot keep up the deposits. Leaving partway through can leave you worse off than when you started, because your balances have grown while you were not paying.

Forgiven debt may be taxable

If a creditor forgives part of what you owe, the forgiven amount may be treated as taxable income and reported to the IRS. Talk to a tax professional about your own situation.

These programs do not cover every debt

Debt relief programs of this kind generally apply only to unsecured debt, such as credit cards and unsecured personal loans. They do not apply to secured debt such as a mortgage or auto loan, and they do not apply to federally backed student loans. Other debts — including tax debt, child support, and court-ordered obligations — are usually excluded too.

Availability, fees, and rules vary by state

Many states license or regulate debt adjusters and debt settlement providers, cap what they may charge, or restrict the service. Programs are not available in every state, and the fees and terms you are offered may differ from those offered to someone elsewhere. Some partners deliver services through a law firm.

There are other options

Debt settlement is one approach among several. Depending on your circumstances, non-profit credit counseling, a debt management plan, negotiating with creditors yourself, or bankruptcy may serve you better. You are free to pursue any of them, at no cost to us, and you do not have to use a partner we introduce you to. Impartial information is available from the Consumer Financial Protection Bureau and the Federal Trade Commission.

7. We do not give advice, and we do not repair credit

Nothing on this site is legal, tax, bankruptcy, accounting, credit repair, or financial advice, and using the site does not create any advisory or fiduciary relationship. DebtCut is not a credit repair organization: we do not offer to improve your credit record, credit history, or credit rating, and we make no representation that anything on this site will do so. Accurate negative information can lawfully remain on your credit report, and no one can remove it.

8. Eligibility

You must be at least 18 years old and a U.S. resident to use the service. The site is intended for use in the United States only.

9. Your responsibilities

You agree to provide accurate, current, and complete information about yourself, to submit only a phone number and email address you actually control, and to use the service only for lawful purposes. Do not submit anyone else’s information without their permission.

10. Calls, texts, and emails

By providing your phone number you agree that DebtCut and its partners may contact you at it, including by autodialer, automated technology, artificial or prerecorded voice, and text, even if it is on a state or federal Do-Not-Call list. Consent is not a condition of purchasing anything. Message and data rates may apply.

You may revoke consent at any time by any reasonable means — reply STOP to a text, say so on a call, use the unsubscribe link in an email, or email connect@scorehq.co. See our Privacy Policy for how we handle revocation and our internal do-not-call list.

11. Intellectual property

The site, its content, and the DebtCut marks are owned by us or our licensors. You may not copy, scrape, frame, or republish the site or its content without our written permission.

12. Disclaimers

The service is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, to the fullest extent permitted by law. We disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement, and we do not warrant that the service will be uninterrupted, error-free, or secure. Because DebtCut is not a debt relief provider and makes no credit decisions, we make no representation or warranty about any program, fee, term, offer, result, or the acts or omissions of any partner.

13. Limitation of liability

To the fullest extent permitted by law, DebtCut and its officers, members, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the service, even if we have been advised of the possibility of such damages. Our total liability for all claims relating to the service will not exceed the greater of the amount you paid us, if any, in the twelve months before the event giving rise to the claim, or one hundred dollars ($100). Some jurisdictions do not allow certain of these limitations, so some may not apply to you. Nothing in these Terms limits any liability that cannot lawfully be limited.

14. Indemnification

You agree to indemnify, defend, and hold harmless DebtCut and its officers, members, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your use or misuse of the service, your violation of these Terms, your violation of any law or the rights of any third party, or the information you submit through the service.

15. Arbitration and class-action waiver

Please read this section carefully — it affects your legal rights. You and DebtCut agree that any dispute, claim, or controversy arising out of or relating to these Terms or the service will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court if it qualifies. The arbitration will be administered by the American Arbitration Association (AAA) under its applicable consumer arbitration rules, and judgment on the award may be entered in any court with jurisdiction.

Class-action waiver. You and DebtCut agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any form of a class or representative proceeding.

30-day opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing connect@scorehq.co — put “Arbitration opt-out” in the subject line — with your name and a statement that you wish to opt out of arbitration. Opting out will not affect any other part of these Terms.

This section does not apply to any claim you may have against a debt relief partner. Your agreement with a partner governs that, and it may contain its own arbitration clause.

16. Governing law

These Terms and any dispute arising out of or relating to them or the service are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules. Subject to the arbitration section above, any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in Wyoming, and you consent to the personal jurisdiction of those courts. Nothing here deprives you of the protection of mandatory consumer-protection rules of the state where you live.

17. Changes to these terms

We may update these terms and will post the revised effective date at the top.

18. Contact

Questions: connect@scorehq.co. See also our Privacy Policy.