Terms of Service

By accessing or using the Lighten Debt website (the "Site") or submitting your information through our intake form, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use the Site.

Lighten Debt is an informational and lead-matching service. We connect consumers exploring debt consolidation and relief with third-party lenders, debt relief companies, and nonprofit credit counseling agencies. Lighten Debt is not a law firm, is not a lender, is not a debt relief company itself, and does not provide legal, financial, tax, or accounting advice. Information on this Site is for general educational purposes only.

Debt consolidation and relief outcomes depend on many factors unique to each person, including total debt, income, creditor cooperation, and the program you select. Results may vary. We make no promise, warranty, or guarantee that you will be approved for any loan, that your monthly payment or interest rate will be reduced by any specific amount, or that any creditor will accept a settlement.

Lighten Debt may receive compensation from third-party partners when you click a link, request a consultation, or enroll in their services. This compensation may influence which partners we feature and the order in which they appear. You are never charged extra because of these relationships. See our Affiliate Disclosure for details.

You agree to provide accurate, current, and complete information when you submit our intake form. You are solely responsible for:

• Reviewing any third-party partner's contracts, fees, and disclosures before enrolling.
• Cancelling within any applicable rescission period if you change your mind.
• Continuing to make required payments to your existing creditors.
• Understanding your rights under the federal Truth in Lending Act (TILA), Telemarketing Sales Rule (TSR), and Fair Debt Collection Practices Act (FDCPA).

Under federal law, debt relief providers may not collect fees until a debt has been renegotiated, settled, or otherwise resolved (FTC Telemarketing Sales Rule). You also have the right to negotiate with your creditors directly at no cost, and most debt relief programs can be cancelled at any time. Nothing on this Site waives or limits those rights.

To the maximum extent permitted by law, Lighten Debt, its owners, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of the Site or any third-party services accessed through the Site. Our total cumulative liability shall not exceed one hundred dollars ($100).

Use of this Site does not create an attorney-client, fiduciary, or professional advisory relationship between you and Lighten Debt.

All content on this Site — including text, graphics, logos, and design — is owned by Lighten Debt or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our prior written permission.

We may update these Terms from time to time. The "Last updated" date above indicates the latest revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Lighten Debt operates as a marketing and lead-generation service. We do not originate loans, negotiate with creditors, settle debts, collect payments from consumers, or hold consumer funds. We are not a lender, debt settlement company, debt management plan provider, or credit counseling agency.

The third-party partners we refer you to are lenders, debt relief companies, or credit counseling agencies and are independently responsible for their own regulatory compliance, including providing you with all federally and state-required disclosures and a written contract before performing any services. You should receive and review these documents directly from the partner before paying any fees or enrolling.

Debt relief, debt settlement, and debt management services are regulated differently in each state, and some states require providers to register, post a surety bond, or hold a specific license. Lighten Debt's lead-generation service may not be available in every state, and not every partner serves every state. If your state cannot be matched with a participating partner, your information will not be forwarded.

Always ask any partner for proof of the licenses and registrations required in your state before signing a contract.

California, Colorado, Connecticut, Virginia, and other state residents: forwarding your contact information to our partners may constitute a "sale" or "sharing" of personal information. You have the right to opt out at any time. Visit Your Privacy Choices to submit a request, or see our Privacy Policy.

Questions about these Terms? Email us at info@lightendebt.com.