Debt Management, Negotiation, Settlement & Relief

Internet consumer privacy is of paramount importance to Debt-Free-Settlements.com and its subsidiaries and holding companies, advertisers, and the partners in our network. The following statement outlines the Debt-Free-Settlements.com policies and principles regarding online privacy.

Debt-Free-Settlements.com is committed to protecting the privacy of consumers, publishers, and advertisers, and to do our part to maintain the integrity of the Internet. Debt-Free-Settlements.com has established this Online Privacy Policy so that you can understand the care with which we intend to treat your Personal Information.

Personal Information means any information that may be used to identify an individual, including, but not limited to, a first and last name, a home or other physical address and an email address or other contact information, whether at work or at home. In general, you can visit Debt-Free-Settlements.com Web pages without telling us who you are or revealing any Personal Information about yourself.

If you choose to provide us with your Personal Information on the Web, we may transfer that Information within Debt-Free-Settlements.com or to Debt-Free-Settlements.com third-party vendors or service providers, across borders, and from your country or jurisdiction to other countries or jurisdictions around the world.

Debt-Free-Settlements.com strives to comply with all applicable laws around the globe that are designed to protect your privacy. Although legal requirements may vary from country to country, Debt-Free-Settlements.com intends to adhere to the principles set forth in this Online Privacy Policy even if, in connection with the above, we transfer your Personal Information from your country to countries that may not require an "adequate" level of protection for your Personal Information. In other words, our goal is to provide protection for your Personal Information no matter where that Personal Information is collected, transferred, or retained.

Cookies and Other Tracking Technologies

Some of our Web pages utilize "cookies" and other tracking technologies. A "cookie" is a small text file that may be used, for example, to collect information about Web site activity. Some cookies and other technologies may serve to recall Personal Information previously indicated by a Web user. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them.

You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser, but please note that if you choose to erase or block your cookies, you will need to re-enter your original user ID and password to gain access to certain parts of the Web site. Tracking technologies may record information such as Internet domain and host names; Internet protocol (IP) addresses; browser software and operating system types; clickstream patterns; and dates and times that our site is accessed. Our use of cookies and other tracking technologies allows us to improve our Web site and your Web experience. We may also analyze information that does not contain Personal Information for trends and statistics.

Security

Whether your Personal Information may be held within Debt-Free-Settlements.com or on its behalf, we intend to take reasonable and appropriate steps to protect the Personal Information that you share with us from unauthorized access or disclosure.

Access/Accuracy

To the extent that you do provide us with Personal Information, Debt-Free-Settlements.com wishes to maintain its accuracy. Where we collect Personal Information from you on the Web, our goal is to provide a means of contacting Debt-Free-Settlements.com should you need to update or correct that Information. If for any reason those means are unavailable or inaccessible, you may send updates and corrections about your Personal Information to and we will make reasonable efforts to incorporate the changes in your Personal Information that we hold as soon as practicable.

Third Party Products & Services

Third parties may provide certain products or services available at Debt-Free-Settlements.com on the behalf of Debt-Free-Settlements.com. Debt-Free-Settlements.com may provide information, including Personal Information, that Debt-Free-Settlements.com collects on the Web to third-party vendors and service providers to help us deliver programs, products, information, and services. Service providers are also an important means by which Debt-Free-Settlements.com maintains its Web site and mailing lists. Debt-Free-Settlements.com will take reasonable steps to ensure that these third-party vendors and service providers are obligated to protect Personal Information on the behalf of Debt-Free-Settlements.com and its clients.

Debt-Free-Settlements.com does not intend to transfer Personal Information without your consent to third parties who are not bound to act on the behalf of Debt-Free-Settlements.coms unless such transfer is legally required. Similarly, it is against Debt-Free-Settlements.com policy to sell Personal Information collected online without consent.

Childrens Privacy

As of April 21, 2000 the childrens Online Privacy Protection Act ("COPPA") became effective. The regulations apply to the online collection of personal information from children under the age of 13. Debt-Free-Settlements.com is very sensitive to the issue of childrens privacy and makes every effort to protect the privacy of children using the Internet. Debt-Free-Settlements.coms, products, and services are not developed for or directed at children. Our policy is not to permit anyone under the age of 18 to do business with us. If you believe your child has provided Debt-Free-Settlements.com with any personally identifiable data by registering at the Debt-Free-Settlements.com web site, please contact to have them removed.

We also request that all websites using the Debt-Free-Settlements.com marketing system disclose in their privacy statements any and all information regarding the collection of information from children.

Your Consent

By using this Web site, you consent to the terms of our Online Privacy Policy and to our guidelines for processing of Personal Information for the purposes given above as well as those explained where Debt-Free-Settlements.com collects Personal Information on the Web. Should the Online Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our web site for a reasonable period of time.

Because of the changing nature of consumer needs and our business itself, Debt-Free-Settlements.com reserves the right to modify this policy statement at any time without notice. As such, and since we want to always make certain that our privacy policy is clearly understood, we recommend that you review this Privacy Statement periodically to note any changes that may have occurred. Please forward any comments you may have regarding this policy to us at .

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Get The Facts on Debt!

Repossessions, wage garnishment, property seizures and foreclosures are words which strike fear into the heart of every consumer.

The general assumption is that overdue debts will result in these drastic measures. Sure, if you've put up property as collateral on a loan which you are unable to pay, it will typically be seized or repossesed. But the same does not necessarily hold true for unsecured debts. In reality very few creditors will ever push for garnishment on small unsecured debts. Garnishment and seizure are a creditor's most effective weapons to collect an outstanding debt, but they are also very expensive and time-consuming to the creditor. While it is within the creditor's legal rights to pursue collections through any of these means, the cost of recovering a debt often exceeds the amount of the debt itself, and so it's not always cost efficient to force a collection.

Sadly enough, in the United States alone thousands of bankruptcies are filed every week in response to collection efforts on unsecured debts under $5000. Consumers are so intimidated by creditors that they fold under the perceived pressure, resorting to bankruptcy as a means of escaping an unsecured debt. If these same consumers had simply ignored the threatening letters and intimidating phone calls, they would have discovered that most creditors are all bark and no bite. Bankruptcy is arguably the worst type of negative listing you can have, and it is almost certain to wreak havoc on your credit report for the next ten years. You should therefore consider bankruptcy only as a last resort, and possibly never as an option to escape a relatively small, unsecured debt.