If you are struggling to paying off your debts, don't despair as we have a solution by means of one of our debt settlement programs. There are many solutions available. We will apply our professional expertise to find the one that's just right for you, based on your individual situation.

Providing Assistance with Private Student Loan Consolidation for Graduates

Let's assist you to navigate the right path with the sometimes confusing realm of Student Loans by responding to probably the most generally requested questions regarding Private Consolidation Loans. Here are the 7 most requested questions regarding Private Consolidations.

Just when was the best time for you to seek a Private Student Loan Consolidation?

The best time for you to seek a personal Consolidation re-finance is roughly 6 several weeks or even more after graduation, once you have had an chance to determine or enhance your credit worthiness by getting full-time employment or established a completely independent credit history. You are able to certainly consolidate your loan immediately after graduation, but many loans have been in deferment for that first 6 several weeks publish graduation.

Why must I consolidate my Student Loans Forgiveness?

You might have the ability to lower your monthly obligations by stretching the payment period having a Private Loan Consolidation. In addition, you might have the ability to lower your overall interest cost by mixing several loans into one. If a lot of monthly obligations are making you crazy since you send obligations to several loan provider, you may desire the benefit of 1 payment per month.

Do you know the loan Student Loan Forgiveness programs?

The number from $7,500 to $100,000 web hosting Undergraduate Student Loan debt and $7,500 to $150,000 web hosting Graduate School debt. Do you know the payment choices for a personal Consolidation Loan? For being approved debtors, the Loan could be interest only for approximately four years or can mix interest and principle. What's the waiting period for loan approval? Conditional approval is nearly immediate. It might take a minimum of 45 days to accomplish the loan, such as the further overview of loan documentation.

Student Loan Forgiveness- should my Federal student loans be consolidated with my Private Student Loans?

Both Private Student Loans and Federal student loans could be consolidated, but they ought to be consolidated individually from one another. The 2 different groups will not be mixed when bringing together your loans. Does a credit worthy co-signer lessen the cost of my Private Consolidation Loan? Because the rate of interest on the Private Consolidation Loan dependant on the borrower's credit history, a customer could possibly get a lesser rate of interest if credit is enhanced by getting a credit worthy co-signer for that loan, like a a family member. Co-signer release can be done after twelve consecutive on-time obligations of principle and interest. Perform a large amount of research and select the best selection for you.


We can help you do the following:

  • Credit Card Debt
  • Department Store Credit Cards
  • Personal Unsecured Loans
  • Personal Unsecured Lines of Credit
  • Most Collections
  • Business Credit Cards
  • Business Unsecured Lines of Credit
  • Business Unsecured Loans
  • Non-government issued & non-federally insured Student Loans

Settlement Options:

Based on your current available resources, we should be able to work out a lump sum debt settlement with your creditors. A lump sum debt settlement helps you get rid of your financial debt obligations IN FULL by merely paying a proportion of the total debt outstanding to creditors. This typically ranges from 40% to 60% of the total outstanding debt balance. Bear in mind that when the offer is made to the finance company you have to be prepared to pay the full settlement amount agreed. Before we commence any negations, proof of liquid funds should be available for disclosure. Please note that if a creditor chooses to negotiate a settlement with you, you might still be obliged to pay tax on the amount of debt that has been pardoned. (Please consult your tax professional on this matter.)
If you can�t afford to settle your debt in one single lump sum payment, we will set you up with affordable monthly payments, which are determined on a client-by-client basis between you and a counsellor at Student Loans Escape.com Based upon what you are able to contribute each month, we can determine how many months you need to be enrolled in the program to ultimately become free of debt. Throughout the program we correspond and communicate with your creditors on your behalf. We understand that creditor calls can be very stressful. Therefore, as part of our service to you we will take over all communications with your creditors. Once enrolled, we will immediately contact each of your creditors- individually-and let them know that we are now representing you. Also, we inform them of your interest in settling your outstanding debt with them. Reaching an agreement usually requires ongoing communications between Student Loans Escape.com team and the creditor/s concerned.

Application Required for Debt Settlement Companies

Most students that finish high school have hopes for attending college. Individuals dreams have become a lesser reality using the rising costs of tuition along with other educational expenses. Lately, tuition spikes happen to be rising faster than inflation states are student loan forgiveness footing a smaller amount of the training bill and students remain holding the bag. Almost all students will need to remove a minumum of one loan to pay for their educational needs. Upon graduation, these students are tied to a number of different loans from various loan companies - each with varying terms, conditions, costs, payment agendas, rates of interest, etc. These debtors finish up drowning inside a river of loan debt through the student before they understand it has began to rain. It's tough to avoid loan debt, but debtors can control their educational finances by using using student loan consolidation companies.

What is debt settlement? Debt settlement is designed to reduce the total amount of unsecured debt owing to creditors by 40-60% of the original balance. The aim is to achieve this in as little as 12-36 months. Other terms used to describe this process are arbitration or debt negotiation. Settling your debt is a wholly legal approach to dramatically reduce debt. Upon completion of the negotiation process, creditors will agree on a proportional amount of the total balance owing, which will then be considered payment in full. The debt will then be successfully erased. This may be done via one lump sum or interest-free monthly repayments.

The duly negotiated debt reduction can only be achieved if the consumer is delinquent on their payments. If minimum monthly payments are still being made, the creditor WILL NOT consider any type of negotiation. Nevertheless, with accounts that are overdue and the balances continuing to grow the creditors fear bankruptcy or and/no future payments. A creditor is therefore willing to accept less than what is owed to them for a variety of reasons. The most obvious is that they would rather receive some payment rather than nothing at all. Instead of waiting another 15-30 years to collect minimum payments from you, they would rather work out a settlement now via our plan and receive one lump sum (almost half), which tops up their cash flow. They can then turn these funds around and provide loans to someone else. It is just working capital to them. Consumers may hire an attorney to act on their behalf (at times this may be very pricey) or use a debt settlement company to settle their outstanding unsecured debts.

Debt settlement is not consumer credit counselling. It is simply designed to reduce or eliminate unsecured debt, which is an alternative to bankruptcy and other complications. When seeking debt relief, debt settlement is considered to be the first option. Because if you can avoid a third party supported alternative, you will pluck yourself out of debt much quicker and without any long term complicated outcome on your personal credit profile.

Your actual results will vary depending on a variety of factors, which include your current balances, how much you can afford to save per month and the amount that your creditors are willing to settle for. We make no guarantee that your debts will be lowered by a specific percentage amount or that you will be “debt-free” within a specific period of time.


The projection assumes the following:

The $40,000 debt example from three different creditors:


Before you attempt to contact our counselors for help, you should be aware of the following:

Your creditors will consider recognizing your hardship and negotiating your balances ONLY if you are delinquent on the accounts you plan to submit for settlement.

There�s no other way around it. Please keep in mind that your credit will only be affected while you�re enrolled in the program. By eliminating the debt, you will be able to get back on your feet and turn around your debt-to-income ratio and thus eventually increase your purchasing power.


Typically, Debt Settlement will NOT impact your credit profile for a long period of time.


Your credit will only be affected while you are enrolled in the program. Compared to the long-lasting, negative effect bankruptcy will have on your credit rating, this program will not be visible on your credit profile once it has been completed.


How it works:


Once a client enrols in our program, we immediately begin the negotiation process with your creditors. Simultaneously, we will assist with the process of creating a separate FDIC insured account where the monthly program re-payments will be held. This account is controlled by the client and it�s managed by the national FDIC insured bank. As money builds up in the settlement account, the negotiations team will begin discussions with the creditors on the client�s behalf. Once enough cash has accumulated, negotiators will attempt to agree a settlement amount with the creditor. Once the agreement has been reached, the funds will be forwarded to the creditor in order to finalize the client's settlement. Meanwhile, the client will continue to accrue more funds in the account to enable further settlements. This process continues with every account that the client brings to the program until each account has been settled in full. Once completed, the client graduates and become debt free from all the enrolled accounts. While there are many benefits in the debt settlement program, there are also several challenges that the client faces while in the program itself. For example, increased collection calls, the possibility of legal action and a negative impact on their credit rating. Student Loans Escape.com consultants are professionally certified and trained to cover the implications of the program in full detail with their clients and partners. In the end, debt settlement is the fastest way to become debt -free with the lowest monthly payments, while at the same time saving the client the greatest amount of money.


Creditors have the legal right to attempt to contact you.

Certain creditors will disregard the limited power of attorney that has been forwarded to them and will continue to make attempts to contact you while you are still in the program. Many creditors though will acknowledge the request to stop all collections calls and will begin communicating directly with your debt settlement representative.


After we complete negotiations with your creditors, we will contact you for approval

Your case counsellor will notify you of any reasonable settlement that we were able to negotiate. If appropriate, the counsellor will present recommendations based on your situation. You have the power of veto at all times.

Upon your approval of the settlement, a written agreement will be obtained from your creditor. The agreement will describe how the transaction will be completed. After the transaction has been finalized, a letter confirming the settlement in full will duly be obtained. This letter is intended to document and confirm that you have settled and closed this account at zero balance and that the remaining balance has been definitively pardoned.


First Name
Last Name
Home Phone
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State
Unsecured debt
Days Behind
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Are you Experiencing Financial Hardship?
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Our Programs Help to Eliminate or Negotiate.

Student Loans

Department Store Cards

Credit Cards

Personal Loans

Personal Line of Credit

Business Credit Cards

Business Lines of Credit

Business Loans

Most Collections

Why choose Student Loans Escape?



Relieve up to 60% of Your Debt!

One Low Monthly Payment!

Save Hundreds Every Month!

Debt Free in 36 Months or Less!

Alternative to Bankruptcy!

Easy Credit Check!

Easy Qualification!

Qualify in Minutes!

Apply by Phone!

University student Loan Forgiveness - New Federal Student Loan Repayment System Features Debt Relief Hope

A bankruptcy student loan is demanded for any graduate that is unable to repay their student loan expenses. It's necessary to realize that in the USA even if they are unable to repay it, student loans are generally non-dischargeable according to bankruptcy legal guidelines. The phrase non-dischargeable implies that if a particular person declares their selves as bankrupt they can't involve student loans both partially or fully although there are events wherever courts can concur that a bankruptcy student loan is dischargeable.The main stage to know is that a bankruptcy student loan will only be designed dischargeable if your relatives and your self would be triggered undue hardship. Proof wants to be manufactured to the court in buy to add the student loan debt to the bankruptcy file. This is occasionally found if you are bodily unable to perform or that there is tiny to no hope of regaining the chance of doing work in the future. As you can see, there are only a handful of conditions wherever bankruptcy student loans would be classed as dischargeable debts. As you can see a bankruptcy student loan is not as straight-ahead as you might consider and it involves loads of investigate and arranging to obtain out whether or not you can use or not. In lots of conditions, people declare themselves as bankrupt and even now have the huge debt from student loans through them.

Modifications in the Legal guidelines For a Bankruptcy Student Loan

In 2005, there were new legal guidelines for bankruptcy that arrived into result and as in the prior, pretty much every bankruptcy student loan was classed as non-dischargeable but now, with the new regulations, they can be treated as being guaranteed by the non-revenue establishments or the federal govt. This means that privately funded loans in the past exactly where generally classed as dischargeable debt are now non-dischargeable. It is essential to look for lawful information and perform out no matter whether you can use for a bankruptcy student loan to check out and get onus of significant expenses from your debt. If you can consolidate your other debts then regularly, your bankruptcy student loan aren't as unachievable to shell out again.

Is a Bankruptcy Student Loan For You?

If you require and want to declare on your own as bankrupt then a bankruptcy student loan desires thorough thought. In lots of situations if your student loan makes up the bulk of your debt your application to go bankrupt is rejected with no allowances, but if you have other debt that has no way of becoming paid out again, then if you declare yourself as bankrupt then you will only be liable for the student loan. Submitting for bankruptcy is not as directly-forward as you could possibly imagine but if you have big debts somewhere else and only need to repay your bankruptcy student loan debt then you will be significantly greater off. Declaring yourself as bankrupt is not a thing to take lightly and it is necessary to know the pros and cons of it. Of study course, you have to have to make guaranteed you can still fork out your bankruptcy student loan debt, but with your dischargeable debts staying written off you can have a lot more lee-way so you can keep on to repay your pupil debts.


First Name
Last Name
Home Phone
Cell Phone
Email
State
Unsecured debt
Days Behind
Type of Debt
Are you Experiencing Financial Hardship?
Yes No

†Estimates are based on historical results and individual results may vary, including the ability to save sufficient funds to complete your program, the creditors in your individual portfolio, and underwriting guidelines. Statements made are examples of past performance, which are not intended to be a guarantee of any future settlement results. When you contact StudentLoansEscape.com we will attempt to understand your situation and determine whether you are qualified for our debt resolution programs. StudentLoansEscape.com assists with unsecured debt only and any use of “debt free” only applies to accounts that are successfully enrolled and upon program completion. While our programs work aggressively to reduce your debt balances, creditors are under no contractual obligation to negotiate or accept settlement offers. Debt reduction percentages do not include program fees; guarantee that your debt balances will be lowered by a specific amount or percentage, or that you will be debt free within a specific time period. However, if at the completion of your debt resolution program your total debt reduction equals less than two (2) times the amount of fees paid, we guarantee to refund a portion of those fees. This refund is calculated so that your fees will never equal more than one-half (1/2) of your total debt reduction. This fee guarantee does not apply to consumers referred to debt resolution programs utilizing attorney-based negotiations. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice and we do not provide credit repair services. Please contact a tax professional to discuss tax consequences of debt settlement. By providing your contact information, you agree to receive return telephone calls, emails or other communications from StudentLoansEscape.com and/or its affiliates and expressly waive any “No Call” preference or registration. Photographs used are not actual clients. Not available in all states. Read and understand all program materials prior to your enrollment.
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PRIVACY POLICY MAY CHANGE FROM TIME TO TIME. WE ENCOURAGE CHECKING BACK FOR UPDATES.

 

We take responsibilities and your privacy seriously at Debt Escape Inc., ("Debt Escape Inc."). We have a solid commitment to providing first-class service to all our clients and visitors of our Web-site. At Debt Escape Inc. we respect your concerns about privacy. This Privacy Policy divulges how we gather, protect, utilize and share information collected about you on this website. When you use this web-site you unambiguously agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We believe that this disclosure will provide help in increasing your confidence in our site and enhance your overall experience. In order to comply with industry standards and regulations implemented typically by the Federal and State Governments, we accept the following privacy policy.

 

The security of your personal information is very important to us. In an effort to protect your personal information, we use Secure Sockets Layer (SSL) technology with 128 bit encryption. If your browser supports SSL (most current browsers do), it will automatically encrypt the information you provide to us on the secure pages on our site, before sending it over the Internet. This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. Personal information such as your name, email address and other details you choose to disclose, are collected when you submit a request for information, a comment, register to receive the newsletter, register for our forums or when you submit personal details for any other reason, e.g. information left within a comment or forum post, etc. Personal information is not collected without your consent.

 

Cookies

 

When you visit our site, we will ask your browser to place a permanent "cookie" (a very small text file) on your computer. If your browser is configured to accept cookies, it will accept the cookie and place it on your computer's hard drive. We collect this information to analyze where our customers are coming from and how often they visit our site. We also collect certain technical information from your computer, like your IP address and the address of a referring web site, if any. This information will allow us to enhance our site to our customer's preferences. This information is used only for the benefit of Debt Escape Inc. and you, our customer.

 

You can visit our site without cookies if you choose to do so. However, please be aware that some features of the site may not function properly or may be slower if you refuse cookies. To visit our site without cookies, you can configure your browser to reject all cookies or to notify you when a cookie is set. Check the browsers help menu to learn how to change your cookie preferences.

 

Log Files

 

As most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data.

 

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.

 

Information We Gather and Its Purpose

 

We may collect your personal information if you decide to purchase one of our products or retain our services, participate in our affiliate marketing program, subscribe to our newsletter, complete an application form, participate in one of our surveys or transact other business with us. We need to collect personally identifiable information from you to execute the requested transaction, provide you with a particular service, and/or to further enhance your account. At anytime, we may ask you to voluntarily supply us with additional information needed. We will ask you for information such as, but not limited to: name, current and/or billing address, your e-mail address, telephone number, your Social Security number and certain other personal information, such as your date of birth, address, employment information, and certain credit card and loan account information. We may use your email address to send a confirmation and, if necessary, we might use the other information to contact you for help in processing.

 

In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal, we may use the contact information to keep you updated about future offers or promotions unless you opt-out online or otherwise notify us. Under no circumstances will Debt Escape Inc. sell or share your personal information with any person or organization ("third party") except: as authorized by you, our participating lenders, agents, and debt management firms depending on the application you fill out and the information you request.

 

We may also use the information we collect about you in order to, but not limited to: • learn more about your interest in the products or services we offer and provide you with information; • enroll customers who desire our services • open customer files and establish their accounts • provide customer service • negotiate settlement of our customers' debts (according to the terms and conditions of their written agreements) • learn how to improve our products or services • provide opportunities for our affiliates and other companies to inform you about the products or services they offer that may interest you • to share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users are between the ages of 25 and 35. This information is not disclosed to third parties.

 

Disclosure of Information to Participating Providers of Services

 

We may disclose a consumer's personally identifiable information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO our participating providers, as authorized by you, which include: lenders, agents, and debt management firms FOR ANY PURPOSE IN OUR SOLE DISCRETION. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out (See Opt-Out below). We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of Debt Escape Inc. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, Debt Escape Inc. The personal information collected on this site and by participating providers will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We may use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.

 

Choice/Opt-out

 

We provide you the opportunity to 'opt-out' of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference by emailing or calling us per the information contained on our contact page.

 

If you no longer wish to receive our newsletter, you may opt-out of receiving it by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page.

 

Customer Care Contact Information:

 

Debt Escape Inc.

 

Email: customerservice@studentloansescape.com

 

Additional Service Providers

 

We may use affiliates or contractors to provide certain clerical and information processing and shipping services on our site. When you sign up for our services, we will share only as much information as is necessary for the provision of those services.

 

These parties are prohibited from using your personally identifiable information for any other purpose.

 

Securing the Transmission and Storage of Information

 

The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.

 

Our site uses security technology to protect information you provide to us through the site when entering sensitive information.

 

After information reaches Debt Escape Inc., it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of Debt Escape Inc. You can help to maintain the security of your online transactions by not sharing your personal information with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted) Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

 

Links to Other Sites

 

This Web site may contain links to other sites such as our affiliates which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company's use and disclosure of your information collected on this site.

 

While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every Web site that collects personally identifiable information.

 

This privacy statement applies only to information collected by this Web site.

 

Co-branded sites

 

We may be co-branded with "partners and affiliates". These business to business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by our company.

 

Access to Personally Identifiable Information

 

If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing our Customer Care by contacting us by telephone or postal mail at the contact information listed below.

 

Customer Care

 

If you send us correspondence, including e-mails and faxes, we may retain such information in your customer file. Information you give us over the telephone may be noted for your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our customer service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for customer satisfaction purposes.

 

Based upon the personally identifiable information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in accordance with your wishes.

 

Legal Disclaimer

 

We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.).

 

Business Transitions

 

In the event our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

 

Changes to this Privacy Statement

 

We reserve the right to modify this privacy statement at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement.

 

We encourage you to check our site frequently to see the current privacy statement to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

 

Contact Us

 

If you have any questions, comments, complaints or suggestions regarding our privacy policy or our website, please contact us at:

 

Debt Escape Inc.

 

Email: customerservice@studentloansescape.com

 

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS
Terms of Use

 

Debt Escape Inc. provides "The User" with access to its content, resources, tools for communication, public forums, commerce platforms, and other services through its network of websites, "The Service". Debt Escape Inc. provides its service to the user, subject to the following Terms of Service.

 

Debt Escape Inc. is not responsible for providing you access facilities or equipment (in any form) to its service. You, "The User", also comprehends and concur that "The Service" may include advertisements and sponsorships and that these are necessary for Debt Escape Inc. to provide "The Service". You also comprehend and agree that Debt Escape Inc. makes no submission about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services and related graphics contained within "The Service" for any purpose. "The Service" is provided "as is" without warranty of any kind. Debt Escape Inc. hereby disclaims all warranties and conditions with regard to "The Service".

 

THE SERVICE IS SUBJECT TO THE APPLICIABLE RETAINER AGREEMENTS AND LEGAL DISCLAIMER. ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF SERVICE

 

"The Service" is provided to you, "The User", under the terms and conditions and any amendments thereto and any operating rules or policies that may be published from time to time by Debt Escape Inc. as part of the Terms of Service/Legal Disclaimer and related disclosures which are cumulatively included herein by reference. Debt Escape Inc. Terms of Service comprises the entire agreement between "The User" and Debt Escape Inc. and supersedes any prior agreements pertaining to the subject matter contained herein. BY COMPLETING THE REGISTRATION PROCESS AND CLICKING THE "SUBMIT" BUTTON, YOU ARE AGREEING TO BE BOUND BY THE Debt Escape Inc. Terms of Service, Legal Disclaimer and applicable terms of the Retainer Agreement.

 

MODIFICATION OF THESE TERMS OF USE

 

Debt Escape Inc. reserves the right to change any of the terms, conditions, and notices under which "The Services" are offered. You are responsible for regularly reviewing these terms and conditions, including changes/modifications if any incorporated by us from time to time. Your continued use of "The Service" constitutes your agreement to all such terms, conditions, and notices.

 

MODIFICATION TO "THE SERVICE"

 

Debt Escape Inc. reserves the right to modify or discontinue, temporarily or permanently, "The Service" (or any part of "The Service") with or without notice to "The User" at any time and from time to time. "The User" agrees that Debt Escape Inc. shall not be liable to "The User" or any third party for any modification or discontinuance of the Service.

 

USER CONDUCT

 

"The Service" may include e-mail services, message boards, chat areas, newsgroups, forums, communities and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Tools for Communication"). You agree to use the Tools for Communication only to post, send and receive messages and material that are proper and, when applicable, related to the particular tool for Communication. You also hereby agree that you shall not make use of "The Service" for any commercial purpose, including reselling and/or co branding/private labeling.

 

As a condition of your use of "The Service" you, "The User", agree to provide: (a) true, accurate, current and complete information about yourself as required by "The Service's" registration form (such data being the "Registration Information, and Retainer Agreement") (b) maintain and promptly update the Registration Information to keep it accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, Debt Escape Inc. has the right to terminate the user account and refuse any and all current or future use of "The Service". (c) Debt Escape Inc. the right to use / disclose the aggregate registration information to third parties in connection with marketing of services, subject to the privacy policy. You have also consented Debt Escape Inc. the right to use your registration information to provide targeting of advertising and other service offers. This could also be used to customize the content you see, to fulfill your requests for certain products and services and to contact/inform you through e-mail or otherwise about special offers or new products.

 

Usage Obligations

 

As a condition of your use of "The Service" you will not use "The Service" for any illegal purposes. You will be solely responsible for the contents of transmissions made by you through "The Service".

 

You agree not to use "The Service" to: (a) Obstruct or hinder the use and enjoyment of "The Service" by other Users; (b) Violate any applicable local, state, national, and international laws and regulations; (c) Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) Interfere with or disrupt "The Service" or servers or networks connected to "The Service", or defy any requirements, regulations or guidelines of networks connected to "The Service"; (e) Transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages (commercial or otherwise); (f) Upload, post, e-mail, transmit or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another's privacy, caste related, ethnically or otherwise objectionable; (g) Upload, post, e-mail, transmit or otherwise make available any content protected by any patent, trademark, copyright or other intellectual proprietary laws unless you own or control the rights thereto or have received all necessary consents to do the same; (h) Upload files that contain viruses, worms, corrupted files or any other similar software or programs designed to disrupt, damage or limit the operation of any computer or telecommunications equipment or property of another; (i) "Stalk" or otherwise harass other users; collect or store personal data about other users. (j) Advertise, promote or offer to sell or buy any goods or services for any business purpose unless "The Service" specifically allows such messages or transactions. (k) Reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion, use or access of "The Service". (l) Violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other law, (m) Conduct any activity that would aid or assist terrorism or related activity or would endanger U.S. military personnel.

 

Debt Escape Inc. has no obligation to observe and monitor "The Service". However, Debt Escape Inc. reserves the right to review materials posted and to remove any material/s. Debt Escape Inc. also reserves the right to terminate your access to any or all of "The Services", at any time, without notice, for any reason whatsoever.

 

Debt Escape Inc. reserves the right subject to attorney-client privilege to the extent applicable and to the extent the same is not waived through these provisions, at all times to divulge any information as it considers necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part. These would be more applicable to the publicly accessible areas of "The Service" that are intended to be available to the general public. For example, publicly accessible areas of "The Service" would include message boards and chat rooms that are open to both registered users and visitors.

 

In view of the global nature of the World Wide Web, "The User" understands and agrees that technical processing of tools of communication is (and may be) required to send and receive messages, to correspond/conform to the technical requirements of connecting networks, to correspond/conform to the limitations of "The Service", or to correspond/conform to other, similar technical requirements.

 

User account, password and security

 

As part of "The Service's" registration process you will provide us with current, complete and accurate information as requested by the registration form. You will then choose a user name and password. You take total responsibility for maintaining the confidentiality of your password and account. You are also entirely responsible for any and all activities that occur under your account. You agree to notify Debt Escape Inc. immediately of any unlawful/unauthorized use of your account or any other security violation. You agree to ensure that you exit from your account at the end of each session. You understand that Debt Escape Inc. will not be liable for any loss or damage in any form incurred as a result of unauthorized usage of your account, with or without your knowledge. However, you could be held liable for losses or damages incurred by Debt Escape Inc. or a third party as a result of your failure to comply with this clause. You also agree not to use anyone else's account, at any time, without the prior permission of the account holder.

 

PRIVACY POLICY

 

Registration information and certain other information about you is subject to our Privacy Policy. For more information, see our privacy policy.

 

DISCLAIMER

 

Registration information and certain other information about you are subject to our Disclaimer. For more information, see our Legal Disclaimer.

 

LIMITATION OF LIABILITY

 

You expressly understand and agree that to the extent permitted under the RPC, Debt Escape Inc. shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Debt Escape Inc. has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; or (v) any other matter relating to the service.

 

CONTENT PROVIDED TO THE SERVICE

 

Debt Escape Inc. does not claim ownership of the "content" (in the form of data, text, software, music, sound, photographs, graphics, video, messages or other materials) you provide to Debt Escape Inc. (including feedback and suggestions) or post, upload, privately transmit, input or submit to any Debt Escape Inc. site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant Debt Escape Inc. and its affiliate sites permission to use your submission in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submission, and to publish your name in connection with your submission.