This page covers how you can use the Clear Debt Service 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 to read first.
Welcome to Clear Debt Service. However you're using this site — browsing, comparing your options, or asking us to connect you directly with your personal loan lender — using it at all means these terms apply to you.
Read this first: if any part of what follows doesn't sit right with you, stop here and hold off on submitting your information.
This site exists for one reason: to help you reach your own personal loan lender directly. Clear Debt Service grants you a limited, non-exclusive, non-transferable license to use the site toward that end, and nothing more. A few things are off-limits:
If you break any of these, we can suspend or end your access at our discretion, without advance notice.
Clear Debt Service 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 standing in between.
Submitting a request through this site doesn't change your loan and doesn't obligate your lender to offer you anything. Every decision from there — whether to work with you, what terms to propose, how any arrangement is structured — belongs entirely to your lender, under their own review process and the laws that govern them.
We make the connection; we don't make the decision. Your request may be shared with lenders in our network, and we may be compensated by those lenders for the referral — but using Clear Debt Service never costs you anything.
Nothing on this site — the articles, the tools, the explanations — is written to advise you personally; it's here to inform you generally. None of it amounts to financial, legal, tax, or credit counseling advice. Before acting on anything about your loan or your finances, speak with a qualified professional who actually knows your full situation.
We work to keep this content accurate and current, but Clear Debt Service 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 only — they're not a promise of 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 outside websites. Clear Debt Service isn't responsible for the accuracy, practices, security, or content of any of them. Whatever agreement you reach with your lender is strictly between the two of you.
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 Service and our officers, directors, employees, agents, and successors won't be 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've accepted the updated version — the current terms are always posted right here.
Have questions about any of this, or anything else? Here's how to reach us:
Important Disclosures: Clear Debt Service 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 Service. 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.