Terms of Use
Last updated: January 2026
Acceptance of terms
By using this website you agree to these Terms of Use. If you do not agree, please do not use the site.
No guarantee of results
Nothing on this site is an offer, approval, or guarantee of any specific outcome, savings amount, or timeline. Any figures shown are illustrative estimates based on typical credit card terms and the range you selected. Individual results vary.
Eligibility
Program availability depends on your accounts, creditors, state of residence, and budget. Eligibility is determined only after a review with a certified counselor.
Credit and tax notice
A nonprofit debt management plan and debt settlement affect credit differently. Debt settlement may negatively affect your credit, and forgiven debt may be taxable. Consult a tax professional about your situation.
Third-party services
Debt settlement services, where applicable, are provided through affiliated third-party providers, subject to their own agreements and fee disclosures.
Limitation of liability
To be provided by the client's counsel.
Contact
American Pacific Financial Services Corp (APFSC). Contact details to be added.