This page covers how you can use the Debt Resolution Lab website, and what applies once you ask us to connect you directly with your personal loan lender. Browsing this site or submitting a request means these terms apply to you — worth a few minutes before you do either.
Welcome to Debt Resolution Lab. Whatever you're doing on this site — reading through it, weighing your options, or asking us to connect you directly with your own personal loan lender — using it at all means you've read, understood, and agreed to everything below.
Before you go further: if any part of this agreement doesn't sit right with you, that's a good reason to pause before submitting any information.
This site exists for one reason: to help you connect directly with your personal loan lender. Debt Resolution Lab grants you a limited, non-exclusive, non-transferable right to browse and use the site for that purpose, and that purpose only. A few things are off the table:
Break any of these and we can suspend or cut off your access — without notice, at our discretion.
Debt Resolution Lab 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 don't decide what your lender offers you. What we actually do is connect you directly with your own personal loan lender's resolution or hardship team — no independent specialist, and no go-between standing in the way.
Submitting a request through our site doesn't change anything about your loan on its own, and it doesn't obligate your lender to offer you anything. Every decision — whether to work with you, what they propose, how they structure it — belongs to your lender, made under their own review process and the laws that govern them.
We're a connection service, not the decision-maker. We may share your request with lenders in our network, and we may be compensated by those lenders for the connection. We never charge you a fee for it.
Everything on this site — articles, tools, guides — is here to inform you, not advise you. None of it is financial, legal, tax, or credit counseling advice. Before you make a decision about your loan or your finances more broadly, talk to a qualified professional who actually knows your full situation.
We work to keep what's here accurate and current, but Debt Resolution Lab makes no warranty, express or implied, about its accuracy, completeness, or fitness for any particular purpose. Whatever you act on from this site, you act on at your own risk.
Any timelines, figures, or example scenarios shown on this website are illustrative — not a promise of what your lender will offer or what you'll save. What your lender actually proposes, if anything, is decided by that lender based on your account, your loan balance, and their own review at the time you connect.
Our site connects with, and may reference, personal loan lenders, service providers, and outside websites. Debt Resolution Lab isn't responsible for the accuracy, practices, security, or content of any third party. Any agreement you enter into with your lender exists strictly between you and that party.
Before moving forward, take the time to review your lender's own terms, fees, and privacy policy.
To the fullest extent the law allows, Debt Resolution Lab and our officers, directors, employees, agents, and successors aren't liable for any 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 Georgia, 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 Fulton County, Georgia.
We may update these terms from time to time. Continuing to use the site after a revision means you accept the updated version — the most current terms will always be available on this page.
Questions about this agreement, or anything else? Our team is easy to reach:
Important Lending, Financial Services, E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Debt Resolution Lab is a marketing lead generator and referral network and is not a lender, law firm, CPA firm, or government agency, does not make credit or lending decisions, and cannot guarantee approval, loan amount, settlement outcome, rates, or terms. We connect applicants with participating Financial Services Companies and Direct Buyers / Resolution Desks and may share your application information with them; we may be compensated by participating partners for this service. We do not charge an application fee. Programs and loans are not available in all states, and amounts, rates, and terms vary by state and provider.
TCPA Prior Express Written Consent (47 U.S.C. § 227) & E-SIGN Disclosure: By checking the consent box and submitting a request on this website, you provide your electronic signature under the E-SIGN Act and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Debt Resolution Lab and its designated Marketing Partners (along with participating Financial Services Companies and Direct Buyers / Resolution Desks) to contact you at the telephone number (including wireless/mobile numbers) and email address provided via recurring marketing, promotional, and informational calls and SMS/MMS text messages using an automated telephone dialing system (ATDS), artificial or prerecorded voice, AI-generated voice, or ringless voicemail, even if your telephone number is currently listed on any Federal, State, or corporate Do-Not-Call (DNC) registry. Consent is strictly voluntary and is not a condition of purchasing any goods or services or obtaining credit or financing. Message and data rates may apply; message frequency varies. Reply STOP at any time to opt out of text messages or HELP for assistance.