Terms of Service & Conditions
Last updated: November 6, 2026
These Terms & Conditions ("Terms") govern your access to and use of the National Debt Forgiveness website and services. By using our site or submitting a request, you agree to these Terms.
National Debt Forgiveness is operated by Loan Bridge Solutions LLC.
Not a Lender
National Debt Forgiveness is a debt settlement company, not a lender, broker, or credit counseling agency. We consult with consumers about their unsecured debt and help those who qualify enroll in a debt settlement program. We do not guarantee approval, specific results, or outcomes.
Eligibility (18+)
You must be at least 18 years of age and a U.S. resident to use our services, submit a request, or opt in to SMS messaging. By using the site, you represent and warrant that you meet these requirements and that you agree to provide accurate, current, and complete information.
Consent to Contact
By submitting your information, you authorize National Debt Forgiveness to contact you by phone and email about your inquiry. SMS/text messaging is optional. The only way to opt in is the optional SMS checkbox on our online form at /apply or /apply-es. If you check that box, you authorize National Debt Forgiveness to send you customer care and account notification text messages, including through automated technology, at the number you provide. SMS consent is not a condition of any purchase or service. Message and data rates may apply. Text STOP to opt out of SMS.
SMS / Text Messaging Program Terms
National Debt Forgiveness sends customer care and account notification SMS messages only to individuals who opt in using the optional SMS checkbox on our online form at /apply or /apply-es. You must be 18 years of age or older to use our SMS program.
Message type. National Debt Forgiveness sends customer care and account notification text messages only, such as appointment reminders, request status updates and document requests.
Opt-in. You opt in to receive recurring text messages from National Debt Forgiveness by checking the optional SMS checkbox on our online form at /apply or /apply-es. This is the only way to opt in. Checking the box expressly consents to receive text messages, including messages sent using automated technology, at the number provided. SMS consent is not a condition of any purchase or service. You must be 18 or older and the account holder (or have the account holder's permission) for the mobile number you submit.
Message frequency. Message frequency varies, up to 10 messages per month.
Message and data rates. Message and data rates may apply depending on your wireless carrier and plan. Check with your carrier for pricing details. National Debt Forgiveness does not charge for the messages themselves.
Opt-out — Text STOP. You can cancel the SMS service at any time by texting STOP to any message you receive from us. After you send STOP, we will send a final confirmation message and you will no longer receive SMS messages from us. To rejoin, sign up again as you did initially or text START.
Help — Text HELP. For help at any time, reply HELP to any message, email information@nationaldebtforgiveness.org, or call +1 (951) 414-3920.
Supported carriers. The program is supported on all major U.S. carriers, including AT&T, T-Mobile, Verizon Wireless, Sprint, Boost, U.S. Cellular, MetroPCS, Virgin Mobile, and Cricket, among others.
Carrier liability disclaimer. Carriers, including but not limited to T-Mobile, are not liable for delayed or undelivered messages. National Debt Forgiveness and the participating wireless carriers are not responsible for any delays, failures, or errors in the transmission or delivery of text messages.
Privacy. Mobile information and SMS opt-in consent (including phone numbers collected for SMS) will not be shared, sold, rented, or transferred to third parties or affiliates for marketing or promotional purposes. For full details on how we collect, use, and protect your information, see our Privacy Policy.
Intellectual Property
All content on this site, including text, graphics, logos, and software, is the property of National Debt Forgiveness or its licensors and is protected by U.S. and international copyright laws. You may not reproduce or distribute content without permission.
Disclaimer of Warranties
The site and services are provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
Limitation of Liability
To the fullest extent permitted by law, National Debt Forgiveness is not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the site or services.
Third-Party Links
Our site may contain links to third-party websites. We are not responsible for the content, policies, or practices of those sites.
Governing Law
These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any disputes will be resolved in the state or federal courts located in California.
Changes to These Terms
We may update these Terms at any time. Changes are effective when posted on this page. Your continued use of the site constitutes acceptance of the revised Terms.
Contact
Questions? Email information@nationaldebtforgiveness.org or call +1 (951) 414-3920. See also our Privacy Policy.