1. Acceptance of Terms
Welcome to FreedomDebtUSA, a brand operated by forever1410 LLC ("we," "our," "us," or "the Company"). By accessing and using the FreedomDebtUSA website (www.freedomdebtusa.com) and our services, you agree to comply with these Terms of Service. If you do not agree to these terms, please do not use our services.
2. Service Description
FreedomDebtUSA offers debt negotiation services (debt settlement) for consumers with financial difficulties. Our services include:
- Free initial consultation to assess your debt situation.
- Design of a personalized debt relief plan.
- Negotiation with your creditors to reduce the total amount owed.
- Ongoing support and follow-up throughout the entire process.
3. Nature of Our Services — Important Notices
FreedomDebtUSA is a lead generation and debt evaluation service. We are not:
- A law firm or licensed attorneys.
- A credit counseling agency.
- A lender or financial institution.
- A government agency.
Important notices about our services:
- Individual results vary significantly based on creditor, debt type, and each client's financial situation.
- We do not guarantee any specific debt reduction or particular outcomes.
- Enrollment in a debt relief program may negatively affect your credit score.
- Failure to make payments on time may result in additional fees and penalties from your creditors.
- Some creditors may pursue legal action to collect unpaid debts.
4. Eligibility
To use our services, you must:
- Be at least 18 years old.
- Reside in the United States.
- Have at least $10,000 in eligible unsecured debt (credit cards, personal loans, medical bills).
- Have the ability to make consistent monthly program payments.
- Provide accurate, complete, and truthful information.
5. Fees and Payments
The initial consultation through FreedomDebtUSA is 100% free with no obligation. We do not charge upfront fees. Fees are only charged after each individual debt has been successfully negotiated and settled, in accordance with the Federal Trade Commission's Telemarketing Sales Rule (TSR — 16 CFR Part 310). Exact fees will be explained during the initial consultation and clearly stated in any service agreement before you enroll.
6. TCPA Consent and Communications
By submitting any form on this Site or providing your contact information to FreedomDebtUSA, you provide your express written consent for FreedomDebtUSA and one specifically named debt relief partner identified at the time of consent to contact you by telephone, including by:
- Automated telephone dialing systems.
- Prerecorded or artificial voice messages.
- AI-generated voice technology.
- Text messages (SMS).
- Email.
This consent applies even if your phone number is registered on the Federal or any State Do Not Call Registry. Consent is not a condition of any purchase. Standard message and data rates may apply. You can opt-out at any time by following the instructions in our Do Not Call Policy.
7. No Guarantees
Individual results vary significantly. We do not guarantee:
- That your creditors will agree to negotiate.
- A specific percentage of debt reduction.
- That you will avoid legal action from creditors.
- Any particular timeline for resolving your debt.
- Any specific impact (positive or negative) on your credit score.
8. Limitation of Liability
To the maximum extent permitted by law, forever1410 LLC and its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use or inability to use our services. Our total liability for any claim shall not exceed $100 or the fees you have paid to us in the 12 months preceding the claim, whichever is greater.
9. No Legal, Tax, or Financial Advice
FreedomDebtUSA does not provide legal, tax, or financial advice. Any information provided on our website or by our representatives is for informational purposes only. We strongly encourage you to consult with a licensed attorney, certified public accountant, or financial advisor before making important financial decisions about your debt.
10. Intellectual Property
All content on the Site (text, graphics, logos, images, design) is the property of forever1410 LLC and is protected by U.S. copyright and trademark laws. Reproduction, distribution, or modification without prior written authorization is prohibited.
11. Modifications
We reserve the right to modify these Terms of Service at any time. Modifications take effect immediately when posted on this page. Continued use of our services after changes constitutes acceptance of the new terms. We encourage you to review these terms periodically.
12. Governing Law
These Terms of Service are governed by the laws of the State of Wyoming, United States, without regard to conflict of law principles. Any dispute arising from these terms or your use of our services shall be resolved in the state or federal courts located in Sheridan County, Wyoming.
13. Dispute Resolution
Before filing any formal claim, you agree to first attempt to resolve any dispute by contacting us at the address below. We will work in good faith to resolve any concerns within 30 days.
14. Contact Us
If you have questions about these Terms of Service, please contact us:
- Mailing address: forever1410 LLC, 30 N Gould St, STE 7001, Sheridan, WY 82801
- Phone: (833) 567-6098
- Email: legal@freedomdebtusa.com
- Website: www.freedomdebtusa.com