Important Disclosures

Please read these disclosures carefully before using our debt calculators.

Calculator Estimates

Results shown by our calculators are modeled estimates for educational purposes, not guarantees, promises, or predictions of actual outcomes. Estimates are based on:

• Industry averages from FTC and CFPB data
• Historical settlement patterns
• Mathematical modeling reviewed for accuracy
• Assumptions about creditor participation that may not apply to your situation

Actual results will vary based on factors our calculator cannot predict, including but not limited to: whether your specific creditors will negotiate, what settlement percentages they'll accept, your eligibility for relief programs, how your financial situation evolves, credit score impact, and countless other individual circumstances.

No Guarantees

DebtCalculatorLab does not and cannot guarantee:

• Debt relief, settlement, or reduction of any kind
• Creditor participation in settlement negotiations
• Specific settlement percentages or amounts
• Program completion, success, or outcomes
• Monthly payment amounts or program durations
• Eligibility for any debt relief program
• Credit score protection or improvement
• Savings, cost reductions, or financial benefits

Third-Party Relationships

If you choose to provide contact information and opt in to be contacted, we may share your information with a verified debt relief partner. Important disclosures about this relationship:

• We may receive compensation for referrals
• You are never obligated to enroll in any program
• Partner companies are independent businesses we do not control
• We do not guarantee their services, practices, or outcomes
• You should evaluate any offers independently

Debt Settlement Risks

Debt settlement programs carry significant risks including:

• Credit Damage: Settlement can severely damage your credit score
• Collections Continue: Creditors may continue collection efforts during settlement
• Lawsuits Possible: Some creditors may sue rather than settle
• Tax Consequences: Forgiven debt may be taxable as income
• Fees and Costs: Settlement companies typically charge 20-25% of enrolled debt
• No Guarantee: Not all creditors participate in settlement
• Program Failure: Many consumers fail to complete programs

CPA Review Scope

Our calculation methodology is reviewed by a Certified Public Accountant for mathematical accuracy and sound financial principles. This review confirms that the calculations work correctly—it does NOT guarantee you will achieve the estimated results. The CPA reviewer has not verified your personal information, creditor willingness to settle, or program eligibility.

Jurisdiction-Specific Information

When we reference state or provincial laws (such as statute of limitations or consumer protection statutes), this information is for educational purposes only and does not constitute legal advice. Laws change frequently and may not apply to your specific situation. Consult a licensed attorney in your jurisdiction for legal guidance.

Accuracy and Updates

While we strive for accuracy, we make no warranties about the completeness, reliability, or accuracy of calculator results or website content. Industry data, settlement patterns, and legal requirements change over time. We reserve the right to modify our calculators, methodology, or content at any time without notice.