RATES/FEES and Potential RESULTS*Clients who make all their monthly program payments pay approximately 50% of their enrolled balance before fees, or 68% to 75% including fees, over 24 to 48 months. Rates and fees will vary depending upon state but should be around 20%.
Not all clients are able to complete a program for various reasons, including their ability to save sufficient funds. These estimates are based on prior results from companies that you may be referred to, your results will vary depending on your specific circumstances. There is no guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Debt relief companies do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. This service is not available in all states and fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements can be obtained on your behalf to resolve the entire account, including all accrued fees and interest.
This testimonial is based on the experience of one person; you may not experience similar results. Sue from Denver, CO resolved her initial debt of $25,476.00 for $13,582.11 and paid $3,820.80 in fees, thereby completing her debt resolution program in 40 months. Creditors may impose interest & fees during the duration of the program. You must make all program payments for 24-48 months to see results.
Rates and fees will vary from a case to case basis and the total amount of savings will be based on your individual circumstance. Debt relief/settlement programs are not suitable for everyone and are not meant to serve as legal advice for any reason. You are advised to contact a tax professional regarding the impact of a debt relief/settlement program and to do your own diligence before enrolling in any program.
DebtHelpExpress.com (“Company” or “we” or “our” or “DHE”), owns and operates the website located at DebtHelpExpress.com, (the “Site”). DebtHelpExpress.com is not a debt relief/settlement company. DHE is a referral site that attempts to pair consumers with companies that offer valuable services. DHE receives compensation for these referrals but in no way guarantees any of the results or reputations of any of the companies.
Through the Site, Company operates a prospective customer data base (the “Service”), by which it compiles, sorts and sells contact information to businesses on behalf of individual consumers who have shown an interest in applying for a business’ products or services and has affirmatively asked to be contacted by a representative of a product or service business. Company utilizes third party vendors, third party affiliates, and a variety of media advertisements to promote the Site to consumers interested in completing an online application at our Site or to supplement our database by purchasing their database of consumers who have completed applications on websites other than Company’s and have affirmatively requested receipt of information about product or service offerings similar to those offered on Company’s Site.
Company also promotes its product and service offerings via e-mail or telephone to consumers who requested that they be contacted either through our online application opt-in process via our Site or through an Opt-In process on one of our many vendor or affiliate sites (List Members). List Members will then receive email or telephone contacts only for so long as they wish to continue to receive such contacts.
List Members can get off our telephone and e-mail contact lists at any time, no questions asked. You can remove yourself from further contact from Company by clicking on the OPT-Out link contained in each e-mail, or by sending in your OPT-Out request via e-mail to info@ DebtHelpExpress.com.
If you choose to remove yourself from our contact list, if applicable, we will also forward your name and contact information to the specific vendor or affiliate marketer who provided your informational request to us so that they can include your name on their do-not-contact list too. Please bear in mind that if your information was purchased commercially from a third party vendor, Company may not be the only data company your contact information was sold to.
Additionally, our third party vendor or affiliate may have purchased your contact information from someone else and thus you may continue to receive contacts from those companies as well. Company is not responsible for stopping all unwanted contacts from sources beyond our immediate control.
DebtHelpExpress.com does not knowingly collect personally identifiable information from children under 13 years of age.
DebtHelpExpress.com collects information through the Site from our prospective and existing customers at several different points on our web sites. We use contact information to send information about our company and to service existing accounts. Users may opt-out of receiving future mailings; see the choice/opt-out section below. Contact and Financial information that is collected is used for verifying your name, address and other information. Not all information asked for on our site is required when you fill out our forms. Only Name, City, State, Address, Zip Code, Work Phone, Home Phone, Email Address, House Type, Current Value, Loan Amount Desired, 1st Mortgage Balance, Current Interest Rate, Current Payment, Are you Behind on Payments, Credit Rating, Place of Employment, Years Employed, Yearly Income, Loan Desired, and Best Time to Call. Information about your computer hardware and software is automatically collected by DebtHelpExpress.com and may be shared in aggregate with third parties whose services are used for traffic analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by _ DebtHelpExpress.com to maintain and improve the quality of the service and to generate statistics regarding use of the DebtHelpExpress.com site.
Our site provides users the opportunity to opt-out of receiving communications from us and our partners as previously described above.
This site gives users the following options for removing their information from our database to not receive future communications or to no longer receive our service. You can send e-mail to info@ DebtHelpExpress.com.
Please note that participation in certain activities on our web site may be limited if personally identifiable information is not submitted for the user. E-mail addresses and phone numbers received in an opt-out request will be added to our internal Do-Not-Contact registry within ten (10) Business days following receipt.
A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. If a user rejects the cookie, they may still use our site however without cookies the user may not have access to certain features on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. To do this we use a tracking utility service offered by Web Trends, Inc. All cookies served on the domain, both session and persistent are tied to the Personally Identifiable Information you provide.
This web site contains links to other sites. Please be aware that Company is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by Company even in cases where we may frame another site with our own. From time to time we may co-brand certain services with third parties. It will be clear at the point of collection who is collecting such information and whose privacy statement governs. For example, without limiting the foregoing, we co-brand with insurance brokers, credit reporting agencies and, automotive companies.
We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Agreement. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances as required by law, third parties may unlawfully intercept or access transmissions or private communications.
In addition, as noted above, if you opt-out of future contact from Company by using the opt-out mechanism provided in each e-mail we send to you on behalf of a third party service provider other than Company, we will provide your email address to the third party service provider so that the third party service provider can add your name and contact information to its own do-not-contact list.
As Company develops, we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that Company or all of its assets are acquired, customer information, including any visitor information collected through the Site, would be one of the transferred assets. For more information see our Notification of Changes section below.
Finally, Company reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Company’s rights or property, other visitors, members, or anyone else that could be harmed by such activities. Company also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.
When you submit your request for information or quote, you are granting permission to be contacted by DebtHelpExpress.com or affiliated third parties. We share the contact and loan request data you submit on the Quote Request form and DebtHelpExpress.com account number information with affiliated companies such as banks, commercial lenders and licensed loan brokers to fulfill information requests we receive from you, to provide you with superior service, inform you of product and service opportunities that may be of interest to you, and for other business purposes, we may disclose all of the information we collect, as described above, to the following types of affiliated companies: financial service providers, such as mortgage and life insurance agencies, title service companies, debt & credit services companies and auto finance companies. An affiliate company is a company under legal contract with DebtHelpExpress.com to fulfill services or is a company owned in whole ore in part by DebtHelpExpress.com.
Some of the services offered on our website are co-branded with contracted partners. Co-Branded offerings will be identified directly on the Quote Request form for the product or service you choose prior to you having to submit the Quote Request. Where a co-branded product or service provider is identified your Personally Identifiable information will be provided directly to that providers website, not DebtHelpExpress.com . The Product or Service provider shall control your data once submitted to them. For purposes of identification and tracking, your contact information (name, Address, Phone, e-mail address, etc.) is shared with DebtHelpExpress.com We may use personal information to provide the services you’ve requested, including services that display customized content and advertising.
By submitting personal contact and/or financial information, the user hereby grants written permission to DebtHelpExpress.com , its affiliated sites, and its business partners for contact via telephone, mail, and/or e-mail. Further, by registering at DebtHelpExpress.com you are consenting to receive phone calls from DebtHelpExpress.com , its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders that may contact you regarding a loan and thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.
We treat information about our former customers in the same manner as we treat information about our current customers.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.
Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.
We will send the user site and service announcement updates. Members are not able to un-subscribe from service announcements, which contain important information about the service. We also communicate with user to provide requested services and in regards to issues relating to the account via e-mail or telephone when requested.
If at any point we decide to use personally identifiable information in a manner materially different from that stated at the time it was collected, we will prominently post a notice on the website for 30 days. We may also make a reasonable effort to notify users by way of an e-mail. Users have a choice as to whether or not we use their information in this materially different manner.
If you would like to verify any data that we have received from you, make any corrections or disable the use of your personal information, please contact us at info@ DebtHelpExpress.com .