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  • Debtmerica is Honored Speaker at WFG’s Convention of Champions

    Debtmerica is Honored Speaker at WFG’s Convention of Champions

    Debtmerica, LLC Informs WFG Associates about Debt Relief Options and Highlights its Debt Reduction Program

    LOS ANGELES/April 7/PRNewswire/-In early March, Debtmerica, LLC participated at the World Financial Group (WFG) Convention of Champions that was held at the Los Angeles Convention Center. The annual Convention brings thousands of WFG agents together to hear from industry leaders and interact with various financial product providers.

    Debtmerica’s team gave a presentation to hundreds of WFG Associates, introducing the debt reduction program and detailing how it helps clients become debt free. Debtmerica staff also had the opportunity to meet with WFG Associates at a Company booth in the Exhibition Hall, providing marketing and training materials at the booth. Debtmerica’s staff gathered valuable input from WFG agents that have been utilizing the debt relief program for clients in need of debt help.

    “The feedback that was provided by many WFG Associates at the convention was overwhelmingly positive. World Financial Group is a wonderful partner and its unique ability to reach out and assist clients nationwide is making a big impact. Our industry knowledge and expertise is only as good as the customer service that we provide, and we are happy that Associates are giving us high marks,” says Harry Langenberg, co-founder and managing partner of Debtmerica, LLC.

    This is the second annual convention that Debtmerica, LLC has participated in and the success of the partnership is evident in the increasing number of clients that WFG agents have referred into the Debtmerica program. Since launching the debt reduction program in January of 2008, WFG and Debtmerica have increased monthly client enrollments in 14 of their last 15 months working together.

    Debtmerica has a training team that reaches out to WFG offices across the nation, educating Associates about debt reduction strategies. The training sessions provide an overview of the debt settlement industry and compare the debt reduction program to other debt management alternatives. Debtmerica’s goal is to make the enrollment process as easy as possible for WFG Associates.

    According to WFG Field Leader Patrick Bet-David, “We now have a source to refer our clients to when they need help with their debt,” he says. “Clients love the program. Everyone I’ve talked to who has worked with Debtmerica says that its representatives are sincere, patient and kind on the phone. That is an experience they are not accustomed to when they are struggling with debt.”
    Since the establishment of their partnership, WFG and Debtmerica have enrolled over 2,500 clients into the debt reduction program, representing a total of $80 million in consumer debt. Debtmerica plans on continuing to build relationships with WFG Associates across the nation, offering clients a stepping stone towards a debt free life.

    For more information, visit http://www.debtmerica.com

    About Debtmerica Relief

    Debtmerica Relief, headquartered in Orange County, CA, provides assistance to families who are experiencing financial difficulties and hardship.  Its focus on negotiated debt settlement provides a very powerful solution with the ultimate goal of helping its clients get debt free and remain so.  By actually reducing debt balances over the course of the program and providing an affordable monthly payment, consumers can experience lasting benefit to their financial well-being.

    Contact:

    Public Relations Dept.
    Debtmerica, LLC
    800-470-8155

  • Debtmerica Relief sets Benchmark of Enrolling $40 million Dollars in Debt

    Debtmerica Relief sets Benchmark of Enrolling $40 million Dollars in Debt

    LOS ANGELES/February 24 – Debtmerica Relief, a debt settlement company, has provided consumers a solution to their debt problems for over 2 years.  With the economy in such a grim state, they have found that the demand for their services has continued to increase dramatically.  In the month of January, Debtmerica set a benchmark of enrolling over $40 million in debt, totaling an amount of 1138 clients joining their debt reduction program.  One of the main reasons for their success is their great team of debt consultants. 

    There are currently over 55 debt consultants at Debtmerica, and the company takes its time to hire the right people for the position.  “Not everyone that walks through our doors gets hired.  We understand the importance of a friendly, knowledgeable and professional staff.  And we do everything we can to find the right people for the job”, says Jesse Torres, co-founder of Debtmerica Relief.

    All debt consultants that are hired at Debtmerica are required to go through onsite and hands on training.  After three months of employment the consultants are required to become IAPDA Certified Debt Specialists.  IAPDA, also known as the International Association of Professional Debt Arbitrators, provides training and certification for the debt settlement industry.  In order for debt consultants to become certified, they must pass an exam that tests their knowledge of credit, debt settlement, and debtor client counseling. 

    “Dealing with consumer’s finances is a sensitive topic and education is vital.  As the number of enrolled clients increase each month, we will continue to build a solid, knowledgeable team to support the demand for our services”, says Harry Langenberg, co-founder of Debtmerica Relief.

    About Debtmerica Relief
    Debtmerica Relief, headquartered in Orange County, CA, provides assistance to families who are experiencing financial difficulties and hardship. Its focus on negotiated debt settlement provides a very powerful solution with the ultimate goal of helping its clients get debt free and remain so. By actually reducing debt balances over the course of the program and providing an affordable monthly payment, consumers can experience lasting benefit to their financial well-being.

    SOURCE Debtmerica Relief

    Contact:

    Public Relations Dept.
    Debtmerica, LLC
    800-470-8155

  • Debtmerica Relief Sets Benchmark by Assisting Over 1,000 Consumers in December

    Debtmerica Relief Sets Benchmark by Assisting Over 1,000 Consumers in December

    Fed steps in to regulate unreasonable credit card rules, while Debtmerica, LLC continues to provide an alternative solution to financial freedom and enrolls a record level of over 1,000 consumers into their program in December.

    LOS ANGELES/January 15/PRNewswire/ – Millions of Americans fall victim to unfair credit card rules that cause them to fall deeper and deeper into debt every year.  In December, the Federal Reserve Board finally decided to step in and has agreed to regulate and ban unreasonable credit card rules.  The ban does not go into effect until July, 2010.  Many people are wondering what type of solutions consumers have in the meantime.  And what types of answers are there for consumers who have such large amounts of debt that it will take years for them to pay off?  Debtmerica LLC, a debt settlement company headquartered in Southern California, has been fighting to help consumers in debt for more than 2 years now.  The Company reached a record level of helping over 1,000 consumers settle down their debts in the month of December. 

    Debtmerica’s debt reduction program, aggressively tackles interest rates and debt balances.  At the end of the program, debt balances are projected to be reduced by 40-60%.  “At a time where our economy is declining and most Americans are lucky to even have a job, simple bans on a few credit card rules will not be enough to get consumers out of debt,” says Jesse Torres, co-founder and managing partner of Debtmerica, LLC. 

    It is apparent, that many Americans are finding alternative solutions to their debt problems, given the continuous increase in the number of client enrollments at Debtmerica every month.  “At Debtmerica, we believe that our aggressive approach to settling debt and dealing with credit card companies is what sets us apart from any other debt solution,” says Torres.

    After reaching a benchmark of enrolling over 1,000 clients into its debt reduction program in one month, Debtmerica continues to expand the Company to support the increasing number of clientele.  It is projected to double in size by the end of 2009 and is also projected to help consumers settle approximately 75 million dollars of debt per month by the end of 2009.

     “It feels really good to know that we have helped out so many consumers get out of debt.  It was even more special to know that we reached our benchmark enrolling over 1,000 clients in the holiday month of December.  We will continue to grow and will continue to support all the consumers who come to us for financial help during this tough economic time,” says Harry Langenberg, a co-founder and managing partner of Debtmerica, LLC.

    For more information, visit http://www.debtmerica.com

    About Debtmerica Relief
    Debtmerica Relief, headquartered in Orange County, CA, provides assistance to families who are experiencing financial difficulties and hardship. Its focus on negotiated debt settlement provides a very powerful solution with the ultimate goal of helping its clients get debt free and remain so. By actually reducing debt balances over the course of the program and providing an affordable monthly payment, consumers can experience lasting benefit to their financial well-being.

    SOURCE Debtmerica Relief

    Contact:

    Public Relations Dept.
    Debtmerica, LLC
    800-470-8155

  • Debtmerica Relief Volunteers to Help Those in Need for the Holidays

    Debtmerica Relief Volunteers to Help Those in Need for the Holidays

    Nationwide debt settlement firm specializes in helping consumers get out of debt

    LOS ANGELES, Dec. 18 /PRNewswire/ — For many Americans it has been difficult to escape the unfortunate impact of economic recession this holiday season.  Morning television programs, internet news articles, and radio commentators continue to comment on the doom and gloom all around us.  And it’s been almost impossible to completely avoid the crippling effects of rising unemployment, troubled financial markets, and uncertainty about our children’s future.

    In an effort to contribute to their local community, the entire staff of Debtmerica Relief volunteered at the “Someone Cares Soup Kitchen”, a local non-profit in Costa Mesa, CA to help both the homeless and those in need.  The company’s debt consultants and support personnel worked together with other volunteers preparing food, stocking shelves, and serving meals to those needing a helping hand before the holidays.

    “I think it’s important that we as a company reach out to the local community, contributing directly to those in need.  Volunteering really helps to put things into perspective and shows our staff that the current financial crisis and its dire consequences effects everyone, not just those that we can list as clients,” says Jesse Torres, co-founder and managing partner of Debtmerica, LLC, headquartered in Southern California and one of the most successful negotiated debt settlement firms in the nation.

    For several years, Debtmerica has offered negotiated debt settlement to consumers.  “Historically, we’ve been able to reduce our clients’ balances by up to 40 – 60%, getting them out of debt in 2-3 years,” says Torres.  Debtmerica is a fully accredited, time-tested organization that has been helping consumers well before the current recession and will continue to do so well afterwards.

    “With the economy in such a volatile state, it’s important that consumers know that there are firms out there that can make a real difference,” Torres explains.  “When consumers are faced with tough financial decisions and are looking for a way out, they should always select a company based on its guiding principles, historical success rates, customer satisfaction, and time in business.  Debtmerica is very proud of the fact that it holds one of the highest client retention rates in the industry which it attributes to its award-winning customer service professionals, second to none.  We simply offer the fastest way to get out of debt, at the lowest monthly payment while avoiding bankruptcy…it’s that simple.”

    For more information, visit http://www.debtmerica.com

    About Debtmerica Relief

    Debtmerica Relief, headquartered in Orange County, CA, provides assistance to families who are experiencing financial difficulties and hardship.  Its focus on negotiated debt settlement provides a very powerful solution with the ultimate goal of helping its clients get debt free and remain so.  By actually reducing debt balances over the course of the program and providing an affordable monthly payment, consumers can experience lasting benefit to their financial well-being.

    Contact:

    Public Relations Dept.
    Debtmerica, LLC
    800-470-8155

  • Financial Resolutions for 2009

    “Our economy is badly weakened, a consequence of greed and irresponsibility on the part of some, but also our collective failure to make hard choices and prepare the nation for a new age.  Homes have been lost; jobs shed; businesses shuttered.”  Those words echoed across the nation, as President Obama delivered his inaugural speech on January 20th, 2009.  Many believe that the worst is yet to come.  In order to survive this rough economic time we must all take control and be aware of our spending habits; we must devise a plan to tackle any current debts; and we must prepare ourselves and save money.

    Buyer be Aware

    The days of not balancing your checkbook and not taking into account every penny that goes in and out of your bank accounts are over.  The unemployment rate is now at 7.2% and 2.6 million jobs were lost in 2008, so every single penny counts!  Be aware of what you are spending your money on, make a list and take out things that are not considered “necessities”.   Prioritizing and making sure that your money is not spent on needless things is the key to reducing your monthly expenses and credit card debt. According to bankrate.com, below are the top 10 things that Americans waste money on:

    1) Coffee- Most people spend about $4.00 a visit at Starbucks.  If you’re visiting Starbuck’s every morning that equates to $20.00 per week on coffee.  That’s approximately $80.00 per month and $960.00 a year spent on just coffee.

    2) Cigarettes-According to tobaccofreekids.org, the average price for a pack of cigarettes in the United States is $4.54.  If you smoke a pack a day, you’re a spending $1600 a year on cigarettes. Cutting down on smoking, not only is better for your pocketbook but will also be better for your health!

    3) Alcohol-Going out to the bar or club during the weekend can add up.  With, drink prices as high as $10.00; you are spending about $50-$100 a night on alcohol.  The rounds of drinks you buy can add up, not to mention, having to tip your bartender. Doing this every weekend will equate to about $1200 spent each year on alcohol and a hangover you are sure to have the next morning.

    4) Bottled Water-A bottle of Aquafina (20 oz.) can cost you about $1.00. If you’re buying a bottle a day, that’s about $365.00 a year spent on something that you can practically get for FREE.  This is something simple that you can cut back on, why spend the extra cash if you don’t have to.

    5) Manicures-Manicures and pedicures can cost anywhere between $30 and $50.  Going to the nail salon about twice a month will cost you approximately $100. Limit your visit to the nail salons for only special occasions.  Even cutting your visit to one time a month can save you $600 a year.

    6) Car Washes-If you just want a standard wash and dry service, a car wash can cost you about $20 a visit.  If you’re washing your car every week that’s about $100.00 a month spent on something you can do yourself at home.

    7) Weekday Lunches out-Most people spend about $9.00 a day to eat lunch during the week.  That comes out to about $2300 spent each year on lunch food.  Take the extra time each night to pack yourself a lunch.  Just spending a little time doing this, can save you a lot of money in the long run.

    8) Vending Machine Snacks-Snacks sold at the vending machines usually cost about $.75-$1 and will sometimes require more than one bag to satisfy that craving appetite.  Take the time out to buy snacks at the grocery store and bring it with you to work so that you’re not tempted to visit that machine every day.  Remember, every little bit counts!

    9) Interest Charges on Credit Cards-According to indexcreditcards.com the average consumer credit card rate is 14.03%.  Typically, minimum payments are calculated to only pay 1%-3% of your balance.  So, if you have a card that has a balance of $5000 and you are only making the minimum payments of 2% of your balance, it will take you about 22 years to pay off the debt.    So, try to make more than just the minimum payments and get those cards paid off!

    10) Unused Membership-Gym memberships can cost about $30 – $40 a month.  If you are not using your gym membership, you are flushing about $480 a year down the toilet.  Check with your gym, and see if they can place you on a “pay per visit” plan, where you can pay each time you come to their gym.  Or, check with the area you live in, some apartment complexes have onsite gyms their residents may use free of charge.

    Tackle Current Debts

    There are many Americans that are drowning in credit card debt.  According to the Credit Research Center at Georgetown University, the average credit card debt client looking for help from a counselor had $43,000 in debt.  Of the $43,000, $20,000 was consumer debt and $8,500 was revolving debt.  Paying just the minimum payment every month is not enough to tackle those debts.  But, what type of non-bankruptcy solution, do people have now that equity has been sucked out of their homes and debt consolidation is no longer an option?

    Debt Settlement provides a way for consumers to pay down and reduce their debt without having to resort to bankruptcy.  Debtmerica, a debt settlement company, offers a debt reduction program that will reduce debt at an average of 40-60%.  This differs from Credit Counseling programs where only interest rates are reduced.  Debtmerica’s aggressive approach and program will reduce interest rates, reduce debts, and will enable debtors to get out of their financial rut in about 12-36 months.  With this option, consumers are given a second chance without having to go through the grueling process of filing for bankruptcy.

    Save Money for a Rainy Day

    After budgeting yourself and devising a plan to tackle your current debts, you may find yourself with some extra cash and credit each month.  Remember, DO NOT spend your extra cash you have at the local bar!  You should save some money for a rainy day.  Set a fixed amount each month that will be set aside for savings and put it into an account you rarely check.  That way, you forget that the money is even there.  A person should have at least a 3-6 month cushion saved up just in case of a loss of job or huge financial strain.  In today’s economy, your financial situation can change fairly quickly and you must prepare yourself for any possible scenario.

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  • Credit Card Debt Settlement Program

    There are thousands of people across the United States who are drowning in debt. From credit card debt settlement options to filing bankruptcy, they are looking for ways to successfully get out of debt quickly. At Debtmerica Relief, we proudly offer consumers an opportunity to pay the money they owe through our programs.

    Besides enrolling in our Debt Resolution Program, there are numerous helpful tips that can help you get out of debt and stay out.

    Here are our top tips:

    1. Create a realistic monthly budget for expenses, track your money, and stick to it
    2. Use direct deposit for paychecks and learn to pay in cash and not on credit cards
    3. Pay off balance with the highest interest rate first
    4. Be a savvy shopper – look for deals, bargains, shop around, and use coupons

    Debt Settlement Services and Options

    As mentioned above, Debtmerica Relief offers consumers an exciting opportunity to pay off the money they owe. Our debt resolution services do not include consumer credit counseling, filing for bankruptcy, or a standard debt consolidation loan. Instead, Debtmerica Relief provides a unique opportunity that could cut the money you owe by around 40 – 60 percent. In addition, as one of the most effective and fastest debt resolution services, you could get out of debt in about 12 – 30 months.

    At Debtmerica Relief, most of our clients have experienced a profound increase in their financial well being upon graduation. Many have discovered the luxury of buying a home after finishing our program. Our quick and easy solution is a great way to pay off the money you owe without the typical hassle and worry. To learn more about our credit card debt resolution program, settlement options or more, please continue browsing through our website or reading our comprehensive collection of articles. Please contact us today at 1-800-470-8155 for a free, no obligation quote.

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  • Best Debt Consolidation Loans

    Get out of debt and stay out. At Debtmerica Relief, our goal is to help you be free from debt. We offer more than what a debt consolidation loan can for bad credit, but instead, we offer consumers an opportunity to reduce the money they owe drastically, which will help them pay debts off more easily and quickly. Many people think the only way to relieve their financial strain is to file for bankruptcy, use a consumer credit counseling program, or utilize a debt consolidation loan. However, our program is designed to reduce the money you owe by around 40-60 percent, which will cut your monthly payments by about half. As one of the top debt reduction programs, our service will ensure that you will get out of debt and stay out.

    Debt Consolidation Loan for Bad Credit

    A reasonable option to many people is a consolidation loan. However, a debt consolidation loan for bad credit only works financially if you have a good credit rating and considerable equity in your home. If you now are left wondering what to do, we completely understand. This exact situation is why we designed our Debt Reduction Program. This program guarantees a client will save money or we refund a portion of their service fees. We will get our clients paid off in 12-30 months, which is much quicker than most programs (bankruptcy may negatively affect credit 7-10 years; consumer credit counseling may take 6 years or more). Call us today to setup one of our personal debt management consultation with a representative.

    Debt Consolidation Counseling

    Our debt reduction and management program is the ideal program for those wishing to learn how to properly manage their debt. Debtmerica Relief uses debt management consultation with each client. This means, we personally talk to each of our clients and walk them through their options. By offering this personal, friendly touch, consumers realize that we truly do have one of the top debt management programs available. We will work as your credit card debt reduction company and will guarantee that you will save money or we refund a portion of your service fees. To learn more about our program, please continue browsing through our site.

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  • Debt Prevention and Management Advice

    With a mission to eliminate our clients’ financial strain, we work diligently to help them get back on track to financial freedom. Debtmerica Relief offers more than just a reduction plan, but instead we provide our clients with debt prevention and management tips and advice. By having debt management consultations with our clients, we can pinpoint their exact needs and areas of struggle. From there, we will help them discuss the best debt relief & consolidation services for their needs. Not all consumers should file for bankruptcy, participate in consumer credit counseling, or consolidate their loans. Many people will discover that our debt resolution services are ideal for them. By offering a reduction program, we not only provide one low monthly payment, but we will help you save around 40-60 percent of the money you owe including interest.

    Drastic Reduction: Debt Resolution Services

    Looking for drastic reduction? Debtmerica Relief is a consumer debt resolution services company that uses negotiation and settlement to reduce your debt drastically, which allows you to pay off the money you owe quickly and effectively. Begin living your life today by learning proper debt prevention and management tips from our experienced and knowledgeable staff.

    Debt Relief Services: Fits Your Budget

    At Debtmerica Relief, we you one low monthly payment for paying back the money you owe. Our program is customized for each of our clients. By offering a payment that fits within your budget, we are able to help you find that financial freedom you have been dreaming about. In addition, our debt relief services will help minimize creditor calls and settle your debts. To learn more about our money-back guarantee program, please continue browsing through our website or reading our comprehensive collection of articles.

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  • Terms of Site

    OUR TERMS OF SITE CHANGE FROM TIME TO TIME. PLEASE CHECK BACK FOR UPDATES

    Debtmerica, LLC (“Debtmerica”) 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”. Debtmerica provides its service to the user, subject to the following Terms of Service.

    Debtmerica is not responsible for providing you access facilities or equipment (in any form) to its service. You, “The User”, also comprehend and concur that “The Service” may include advertisements and sponsorships and that these are necessary for Debtmerica to provide “The Service”. You also comprehend and agree that Debtmerica makes no submission about the suitability, reliability, availability, timeliness, 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. Debtmerica hereby disclaim all warranties and conditions with regard to “The Service”.

    THE SERVICE IS SUBJECT TO THE APPLICIABLE 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 Debtmerica as part of the Terms of Service/Legal Disclaimer and related disclosures which are cumulatively included herein by reference. The Debtmerica Terms of Service comprises the entire agreement between “The User” and Debtmerica 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 Debtmerica Terms of Service and the Legal Disclaimer.

    MODIFICATION OF THESE TERMS OF SITE

    Debtmerica 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”

    Debtmerica 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 Debtmerica 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, Debtmerica has the right to terminate the user account and refuse any and all current or future use of “The Service”. (c) Debtmerica the right to use / disclose the aggregate registration information to participating providers in connection with marketing of services, subject to the privacy policy. You have also consented Debtmerica the right to use your registration information to provide targeting of advertising and other service offers from participating providers. 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.

    Debtmerica has no obligation to observe and monitor “The Service”. However, Debtmerica reserves the right to review materials posted and to remove any material(s). Debtmerica also reserves the right to terminate your access to any or all of “The Services”, at any time, without notice, for any reason whatsoever.

    Debtmerica 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.

    PRIVACY POLICY

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

    LEGAL 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 law, Debtmerica 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 Debtmerica 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 participating provider on the service; or (v) any other matter relating to the service.

    CONTENT PROVIDED TO THE SERVICE

    Debtmerica 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 Debtmerica (including feedback and suggestions) or post, upload, privately transmit, input or submit to any Debtmerica site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant Debtmerica and its affiliate sites or participating providers 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.

    PROGRAM DISCLAIMER

    Individual results may vary and are based on ability to save funds and successful completion of all program terms. Debt Settlement program does not assume or pay any consumer debts, and does not provide tax or legal advice. Program not available in all states. Read and understand all contract terms prior to enrollment.

  • Privacy Policy

    OUR PRIVACY POLICY CHANGES FROM TIME TO TIME. PLEASE CHECK BACK FOR UPDATES

    We take our ethical responsibilities and your privacy seriously at Debtmerica, LLC (“Debtmerica”). We have a strong commitment to providing excellent service to all our customers and visitors of this Web site, including respecting your concerns about privacy. This Privacy Policy discloses how we collect, protect, use and share information gathered about you on our website. If you use this site you explicitly agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We hope that this disclosure will help increase your confidence in our website and enhance your experience on the Internet. Therefore, in compliance with industry standards and regulations enforced typically by the Federal and State Governments, we abide the following privacy policy.

    Browsing

    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. We may use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use. When you request a page from our website, our servers log the information provided in the HTTP request header including the IP number, the time of the request, the URL of your request, and other information that is provided in the HTTP header. We collect the HTTP request header information in order to make our website function correctly and provide you the functionality that you see on this website. We also use this information to better understand how visitors use our website and how we can better tune it, its contents and functionality to meet your needs.

    Information We Collect and Its Uses

    We 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 Debtmerica 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 Debtmerica. 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, Debtmerica. 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:

    Debtmerica, LLC
    3100 S. Harbor Blvd., Suite 250
    Santa Ana, CA 92704
    Phone: 714-389-4200
    Toll Free: 800-470-8155
    Email: customercare[at]blog-cms.debtmerica.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 Debtmerica, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of Debtmerica. 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.

    If you have any questions about the security on our Web site, please feel free to e-mail us.

    Log Files

    As is true of 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.

    Cookies

    A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

    We use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

    Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.

    This privacy statement covers the use of our cookies only and does not cover the use of cookies by any advertisers.

    Clear Gifs (Web Beacons/Web Bugs)

    We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.

    We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please contact us.

    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:
    Debtmerica, LLC
    3100 S. Harbor Blvd., Suite 250
    Santa Ana, CA 92704
    Phone: 714-389-4200
    Toll Free: 800-470-8155
    Email: customercare[at]blog-cms.debtmerica.com/

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