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Terms & Privacy

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When Using

When using the website you agree that the owners and/or publishers can NOT be held responsible for any losses or damages you may incur (or perceived to have incurred) when using You also agree that owners and/or publishers provide no guarantee that you will resolve your debt problems from using the web site service(s).

By using agree that the owners of the Internet domain will not be forced into any litigation by you or any attorney. You understand that owners and/or publishers assume NO responsibility for any of the third party websites linking off of domain.

By using, viewing, or accessing you agree to read our terms of service. Furthermore you agree to completely understand our terms of service before accessing any other areas of the site.

User Submitted Content

If you choose to submit content in the application form(s) and/or questionnaire form(s), you agree that owners and/or publishers of reserve the right to republish your content WHILE PROTECTING YOUR PRIVACY.

Furthermore the owners and/or publishers of agree to NEVER share your personal information with any other third party entity.

Privacy Policy

The owners and/or publishers of WILL NOT SHARE YOUR INFORMATION with third party entities unless you fill out an application form requesting a communique from an eligible debt services provider.

WE DO NOT share your email with ANY third party entities other than debt service providers UNLESS you use the application form.

When filling out your application form DO NOT submit the following information please:

  • your last name
  • your street address
  • your employment address
  • your cell or land-line phone number(s)
  • family member name(s)
  • dependent name(s)
  • coworker name(s)
  • business partner name(s)

IP Tracking

We track visitors IP addresses on This is what we track using using HTTP cookies (learn more about HTTP Cookies here). All data we collect using Statcounter is deleted in 30 days of each visitor’s last visit to our website.

  • Internet Service Provider
  • IP address
  • IP city of origin
  • IP state/province of origin
  • IP country of origin
  • visitor screen resolution
  • visitor operating system (iOS, Windows, etc.)
  • length per visit of IP
  • repeat visits from IP
  • where visitor came from
  • visitor browser

Affiliate Relationships

Some links leaving are known as affiliate links and we have one or two of these on every page and post of the site. If a visitor on our site clicks one of these links they will be taken to a third party website that will be offering their products and/or services. If you choose to take action on their website we may or may not collect a commission from the owners of the aforementioned website. At the current time the only affiliate relationship we have is with National Debt Relief.


DEBTFILES.COM IS NOT A LENDER OR DEBT SETTLEMENT COMPANY, and doesn’t broker loans to banks, credit unions, or private lenders, and doesn’t provide loans or credit decisions. This website does not constitute an offer or solicitation to lend. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide your requested loan. Cash transfer times may vary by lenders and local laws, and not everyone will qualify. In some cases faxing may be required. For details, questions or concerns regarding your loan, please contact your lender directly.

Thank you for reading our Terms & Privacy page!