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  • 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

  • Debt Relief Programs and Options

    Debt Relief Programs and Options

    There are many options when it comes to addressing your debt problems. Debtmerica believes it provides better Alternatives to Consumer Credit Counseling, Bankruptcy or Debt Consolidation Loans.

    Below are summaries of the various alternatives available to you so that you can make an informed and well-educated decision based on your own individual situation.

    Assuming you are able to make all the monthly program payments, Debtmerica can offer Debt Resolution Programs that may help you resolve your debt in as little as 24-48 months without paying any fees until a successful resolution of a debt occurs. If you are experiencing a financial or personal hardship that is preventing you from paying your bills, the five most generally accepted debt relief options you have are:

    1. Bankruptcy.

    While bankruptcy is a legitimate route to get out of debt, it can negatively affect your credit for as long as 10 years and can be a very unpleasant experience emotionally. You shouldn’t consider bankruptcy as a simple “quick fix” to all of your financial problems, but rather as one of the many available solutions you may have given your individual situation. As of October 2005, congressional legislation made filing for bankruptcy more difficult and burdensome. A Chapter 13 bankruptcy could result in higher monthly payments and may last longer than an alternative debt resolution program. If you have questions about bankruptcy or are considering it as an option, we advise you to speak directly to an experienced bankruptcy attorney licensed in your state.

    2. Consumer Credit Counseling (CCC).

    A Consumer credit counseling program is a method of debt relief for those who are unable to make minimum payments and undergoing financial difficulties. However, CCC programs could take up to 6 years or longer to complete and your debt is not reduced when compared to a debt resolution program. You may still have to pay back 100% of the debt you owe plus interest. In addition, if you miss just one monthly payment, you could be dropped from the program altogether. Consumer Credit Counseling Services, on average, have very high rates of client cancellation, which does not bode well for their delivery of a successful debt management program. (see below for more information on CCCs). With that being said, a CCC program may be a viable option for those with under $10,000 in unsecured debt, are able to afford higher monthly payment obligations, and are well disciplined to remain in the program.

    3. Debt Consolidation Loan.

    This option may work financially if you have at least an above average or good credit rating and considerable equity in your home. If you have a very large debt balance and have been late on just one monthly payment, it is likely that your credit may be impaired. Also, with this option, you do not reduce or settle your debt to a lower amount than the original balance; you are only transforming it from unsecured debt to secured debt. While a debt consolidation loan coupled with a debt resolution program provides a very powerful solution, remember that debt consolidation alone does not reduce or settle your debt; it only shifts your debt from one place to another.

    4. Continue minimum monthly payments to credit card companies.

    Many people struggle to make their minimum monthly payments and this option could take over 30 years to pay back the debt you owe, costs thousands of dollars in interest alone, and could require you to potentially pay back over three-times what you now owe on these balances. This may be the least timely, most costly, and most economically disadvantageous way to get out of your unsecured debt (see below for more information). Keeping high balances on your credit cards may affect your credit in a negative way and could make it more difficult to obtain any other type of loan.

    5. THE DEBT RESOLUTION PROGRAM

    Debt resolution is an aggressive method that allows the clients who make all their monthly program payments to settle their debt for less than the original balances owed in as little as 24-48 months. Debt resolution programs are custom-tailored to provide you with just one low monthly program payment. We feel this option could be one of the fastest ways for you to resolve your unsecured debt while we work hard to minimize your stress burden.

    Programs offered by Debtmerica are performance based, which means we do not receive any fees until a settlement has been reached. Debtmerica offers programs that either charge fees as a percentage of savings or as a total percentage of enrolled debt balances. Regardless of which program you enter, you can expect the total fees of the program to range from 20% to 24% of the enrolled debt amount by the time you complete the program.

    If you are considering all of your debt relief options, and want to get out of debt, complete our easy and hassle-free 30 Second Savings Quote to see if a debt settlement program is the best option for you.

    The projection assumes the following:

    For example, if you owe $30,000 in credit card debt it may take you the following amount of time to resolve your debt

    Avoid Bankruptcy

    Your actual results will vary depending on a variety of factors, including 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 amount of percentage or that you will be resolve debt within a specified time period.

    Debt Consolidation Loan

    To be approved, you must have the ability to repay a larger home loan and also have an acceptable credit rating. Even if you do qualify, without debt settlement combined, your situation could likely get worse. Rather than helping you to reduce your debt through debt settlement, a consolidation loan may increase your debt burden. Here are some more facts that you may want to know about debt consolidation loans:

    • You must qualify, which may be difficult given the recent mortgage reforms.
    • It requires ownership of a home with considerable equity
    • Closing costs are usually required upon closing or built into the interest rate
    • Missing payments could cause you to lose your home
    • You would pay back the entire balance of your credit cards, plus interest
    • Payback could be 10-30 years or more depending on debt balance, type of loan, and your ability to pay
    • You are paying off unsecured debts in favor of a new secured debt
    • The debt consolidation loan reduces the equity available in your property for future use

    Continue to Make the Minimum Payments or Don’t Pay Anything at All

    • You could pay almost 50% of your original balance to your creditor in interest costs alone over the first 36 months. Your principal balance may barely be touched
    • If your credit card interest rate is 25% or higher, it may be almost impossible to pay off your debt by making the minimum payments
    • With a high credit card interest rate, it would most likely take you over 20 years to become debt free – and that’s if your balances don’t increase
    • Until you pay off high balance debts, your ability to be extended credit becomes substantially more difficult.

    If you have already stopped making payments to your credit cards or other creditors, you are negatively affecting your credit rating without reducing, settling or managing your debt successfully.

    To see if you qualify for debt settlement, please fill out our 30 second savings quote form for a free, no cost or obligation consultation.