Terms of use

These terms govern your use of this website. By browsing the site or submitting a form, you agree to them. If you do not agree, please do not use the site.

The site is informational

Everything published here, including our service pages, industry pages, articles, glossary, and checklists, is general information about merchant cash advance debt. It is written for a broad audience and it cannot account for your contracts, your funders, your state, or your financial position. It is not financial, tax, accounting, or legal advice, and it is not a recommendation to take or avoid any particular action. Do not act on anything you read here without talking to someone who has seen your paperwork.

No attorney client relationship

First American Debt Help is a debt settlement company. It does not provide legal representation directly. Where a matter calls for legal work, it is handled by licensed attorneys.

Using this site, submitting a form, or exchanging emails or calls with us does not create an attorney client relationship with anyone, and nothing you send through this site is protected by attorney client privilege. Where a matter calls for legal representation, that representation is provided by a licensed attorney under a separate written engagement between you and that attorney. If you are facing a lawsuit, a judgment, or a frozen account, deadlines may be running against you now. Speak with an attorney promptly.

No guarantee of results

Results vary and are not guaranteed. Figures describe past negotiations and do not predict the outcome of any individual case. No result is promised or implied.

Any figures, ranges, or examples on this site describe past work and are not a promise about your file. We do not control whether a funding company will negotiate, on what terms, or how quickly. We do not promise a specific reduction, a specific monthly payment, a specific timeline, or any particular legal outcome. Working with us may also affect your relationships with your funders and other creditors, and you should weigh that before you begin.

Eligibility

To use this site and submit an inquiry, you must be able to confirm all of the following.

• You are at least 18 years old
• You are the owner of the business, or you are authorized to act on the business's behalf and to share its financial information with us
• The business is located in the United States
• The information you give us is accurate and complete to the best of your knowledge

Services are not available in all states. Our qualifier is a screening tool only. Passing it does not mean we have accepted your file, and no engagement exists until both sides sign a written agreement. See our disclosures for state availability and fee information.

Using the site responsibly

Please do not submit false information, use this site to send unlawful or abusive material, attempt to access parts of the site that are not public, scrape or copy the content for republication, interfere with the site's operation, or use automated tools to submit forms. We may decline to respond to any submission and may restrict access to the site.

Communications

If you check the optional consent box on one of our forms, you agree to receive calls and text messages at the number you provided, on the terms set out in our disclosures. That box starts unchecked, consent is not a condition of any service, and you can withdraw it at any time. How we handle the rest of your information is described in our privacy policy.

Our content

The text, layout, graphics, and code on this site are owned by First American Debt Help and are protected by copyright and trademark law. You may read, print, and share pages for your own use, including sending them to your bookkeeper or attorney. You may not republish, resell, or present our content as your own without written permission.

Links to other sites

Where we link to a government agency, a filing office, or another outside resource, we do so because it may be useful. We do not control those sites, we are not responsible for their content or their privacy practices, and a link is not an endorsement.

The site is provided as is

We work to keep this site accurate and available, but we provide it as is and as available, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non infringement. Laws, regulations, and industry practices change, and a page that was accurate when it was written may not be accurate when you read it.

Limitation of liability

To the fullest extent permitted by law, First American Debt Help, its owners, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, lost business, or lost data, arising out of your use of this site or your reliance on anything published here, even if we have been advised that such damages are possible. Our total liability relating to your use of this site will not exceed one hundred dollars (100.00 USD). Some states do not allow certain limitations, so parts of this section may not apply to you. Nothing in these terms limits any liability that cannot be limited under applicable law.

Indemnification

You agree to defend, indemnify, and hold harmless First American Debt Help and its owners, employees, and contractors from any claim, loss, or expense, including reasonable attorney fees, arising from your misuse of this site, your violation of these terms, or your violation of the rights of another person.

Governing law

These terms are governed by the laws of the State of Florida, without regard to its conflict of laws rules. Any dispute arising from these terms or from your use of this site will be brought exclusively in the state or federal courts located in Duval County, Florida, and you consent to the jurisdiction of those courts. This section governs use of the website. A signed client agreement, if you enter one, may contain its own dispute resolution terms, and those terms control that relationship.

Changes to these terms

We may update these terms. When we do, we will change the date at the top of this page, and the updated version applies to use of the site from that date forward. If any provision of these terms is found unenforceable, the rest stays in effect.

How to reach us

First American Debt Help
12724 Gran Bay Parkway W, Suite 410
Jacksonville, FL 32258
Phone: [PLACEHOLDER: phone]
Email: [PLACEHOLDER: email]

Related pages: disclosures and privacy policy.