This page covers how you can use the Clear Debt Experts website, and what applies once you ask us to connect you directly with your own personal loan lender. Visiting this site, or submitting a request through it, means these terms apply to you — worth a few minutes to read before you do.
Welcome to Clear Debt Experts. Whether you're reading through the site, comparing your options, or asking us to put you in touch with your own personal loan lender, using this site in any way means you've read, understood, and agreed to what follows.
Before you go further: if any part of this doesn't sit right with you, stop here and hold off on submitting your information.
This site exists for a single purpose: helping you reach your own personal loan lender directly. Clear Debt Experts gives you a limited, non-exclusive, non-transferable right to browse and use the site toward that purpose. A few things are off-limits:
Breaking any of these gives us the right to suspend or end your access at our discretion, without advance notice.
Clear Debt Experts is a marketing website — not a debt settlement company, law firm, credit counseling agency, or lender. We don't negotiate with your lender on your behalf, and we have no influence over what your lender ultimately offers. What we do is connect you directly with your own personal loan lender's resolution or hardship team, with no independent specialist and no middleman standing in that conversation.
Submitting a request through this site doesn't change your loan in any way, and it doesn't require your lender to offer you anything. Everything from that point forward — whether to work with you, what terms to propose, how any arrangement is structured — is entirely your lender's decision, made under their own review process and the law that governs them.
We make the connection; we don't make the decision. Your request may be shared with lenders in our network, and those lenders may compensate us for the connection — but using Clear Debt Experts never costs you anything.
Nothing on this site — the articles, the tools, the explanations — is meant to advise you on what to do; it's here to help you understand your options. None of it should be treated as financial, legal, tax, or credit counseling advice. Before making any real decision about your loan or your finances, speak with a qualified professional who knows your complete situation.
We work to keep this content accurate and current, but Clear Debt Experts makes no warranty, express or implied, as to its accuracy, completeness, or suitability for any particular purpose. Anything you choose to act on here, you act on at your own risk.
Any figures, timelines, or example scenarios shown on this site are illustrations, not guarantees — they don't represent what your specific lender will offer or what you'll end up saving. Whatever your lender proposes, if anything, depends on their own review of your account, your balance, and your circumstances at the time you connect.
This site links to, and works alongside, personal loan lenders, service providers, and other third-party websites. Clear Debt Experts isn't responsible for the accuracy, practices, security, or content of any of them. Whatever agreement you reach with your lender is strictly between you and them.
Before moving forward with any lender, take a few minutes to review their own terms, fees, and privacy policy.
To the fullest extent the law allows, Clear Debt Experts and our officers, directors, employees, agents, and successors are not liable for indirect, incidental, punitive, special, or consequential damages — including lost revenue or data — arising from:
These terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-law provisions. Any dispute arising from or related to these terms falls under the exclusive jurisdiction of the courts of Mecklenburg County, North Carolina.
We may update these terms from time to time. Continuing to use the site after a change means you accept the updated version — the current terms will always be posted here.
Questions about any of this, or anything else? Here's how to reach us:
Important Disclosures: Clear Debt Experts is a marketing website that helps consumers reach their own personal loan lender's resolution or hardship team directly, and is not itself a debt settlement company, law firm, credit counseling agency, or lender. We do not provide legal, tax, or credit counseling advice, and we do not negotiate with your lender on your behalf — any change to your loan is agreed solely between you and your lender. There is no fee to use Clear Debt Experts. Debt resolution and hardship programs are not appropriate for every situation, are not offered by every lender, and are not available in every state — results vary based on your lender, account terms, and financial circumstances, and no specific reduction in your loan balance, timeline, or acceptance into a program is guaranteed by us or by your lender. Pausing payments as part of a resolution strategy may lead to added fees and interest, continued collection calls, or lawsuits, and can significantly lower your credit score. Resolved debt may be reported to the IRS as taxable income. We may be compensated by lenders in our network for connections made through this site. Review the Terms & Conditions and Privacy Policy before submitting any information.