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IHateDebt.com requires you to provide accurate and current information that personally identifies you ("Personally Identifying Information") in order for you to access certain services and to purchase products that IHateDebt.com offers through the Site. Personally Identifying Information may include: "Contact Data", such as your name, company or business name, mailing address, electronic mail ("e-mail") address or telephone number; "Financial Data", such as your debit account or credit card number; or "Demographic Data", such as your zip code or age. If you register with us, participate in any promotions, surveys or clubs, or communicate with us via e-mail, telephone or regular mail, any information that you provide may be collected as Personally Identifying Data.

Using the Information Collected by IHateDebt.com
IHateDebt.com may use your Contact Data to complete your order, to provide the services that you request, to contact you about the status of your order or to send you promotional information about the Site. IHateDebt.com may use your Financial Data to bill you for your order. We may use your Demographic Data to identify your product and service preferences and to improve IHateDebt.com merchandise selections, customer service, and overall customer service shopping experience.

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IHateDebt.com Terms of Use

Welcome to IHateDebt.com.com (the "Site"). Please review the following terms and conditions (the "Terms and Conditions") that govern your use of, and purchase of products from, the Site. Please note that your use of the Site constitutes your agreement to follow and be bound by the Terms and Conditions. If you do not agree with the Terms and Conditions, please do not use the Site.

General
The Site is operated by IHateDebt.com. You may contact IHateDebt.com by email; aaron @ ihatedebt.com

Terms and Conditions Subject to Change
IHateDebt.com reserves the right to update or modify the Terms and Conditions at any time without prior notice to you. We recommend that you periodically review the Terms and Conditions for any changes. By using the Site, you agree to be bound by the Terms and Conditions, as amended from time to time.

Additions/Deletions
IHateDebt.com reserves the right to change, move or delete portions of, or add to, the Site from time to time without prior notice to you.

Returns (if applicable)
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Unless otherwise noted, all materials, including images, illustrations, designs, icons, photographs, and written and other materials that appear on the Site (collectively, the "Content") are subject to trademark, service mark, copyright and/or other intellectual property rights under United States law and international law or licenses held by IHateDebt.com or by third parties who have licensed their materials to IHateDebt.com . IHateDebt.com owns the copyright in the Site, including the selection and arrangement of the Content. No right, title or interest in the Content is transferred to you as a result of your use of the Site.

Visitors to the Site may not reproduce, distribute, replicate or transmit the Content without the express written permission of IHateDebt.com, except for materials downloaded, printed or stored for personal, non-commercial uses. Any materials downloaded, printed or stored for personal, non-commercial uses must retain any copyright, trademark or other proprietary notices contained therein.

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For your convenience, IHateDebt.com may provide links to websites that are owned and operated by third parties which we think may be of interest to you. However, IHateDebt.com does not endorse the content on those sites and does not regularly review materials on these linked third party websites. Therefore, you view any third party websites linked from the Site at your own risk.

Prices
The prices displayed on the Site are quoted in United States dollars. Prices are subject to change without notice.

Disclaimer
THE SITE, ALL THE CONTENT THEREIN, THE SERVICES AND THE PRODUCTS OFFERED FOR SALE THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND TO THE MAXIMUM EXTENT PERMITTED BY LAW, IHateDebt.com AND ITS AFFILIATED ENTITIES AND SUPPLIERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE, ALL THE CONTENT THEREIN, THE SERVICES AND THE PRODUCTS OFFERED FOR SALE THROUGH THE SITE, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SOME STATES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

WITHOUT LIMITING THE FOREGOING, IHateDebt.com AND ITS AFFILIATED ENTITIES AND SUPPLIERS DO NOT REPRESENT OR WARRANT THAT THE INFORMATION ON THE SITE IS ACCURATE, COMPLETE OR CURRENT OR THAT THE SITE WILL OPERATE WITHOUT INTERRUPTION OR ERROR.

IHateDebt.com AND ITS AFFILIATED ENTITIES AND SUPPLIERS MAKE NO REPRESENTATION THAT THE CONTENT PROVIDED ON THE SITE IS APPLICABLE OR APPROPRIATE FOR USE IN LOCATIONS OUTSIDE THE UNITED STATES.

EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT THE SKILLS, CONCEPTS, IDEAS, TECHNIQUES AND “KNOW HOW” OFFERED BY IHATEDEBT.COM AND THEIR POTENTIAL. THERE IS NO GUARANTEE THAT YOU WILL BECOME DEBT FREE USING THE TECHNIQUES AND IDEAS IN THESE MATERIALS. EXAMPLES IN THESE MATERIALS ARE NOT TO BE INTERPRETED AS A PROMISE OR GUARANTEE. DEBT SETTLEMENT POTENTIAL IS ENTIRELY DEPENDENT ON THE PERSON READING OUR PRODUCT, IDEAS AND TECHNIQUES. WE DO NOT PURPORT THIS AS A "END TO YOUR DEBT PROBLEM." WE ARE ONLY HERE TO PROVIDE VALUABLE INFORMATION ABOUT DEBT RESOLUTION THAT WILL IN TURN HOPEFULLY HELP YOU IN SOME WAY.

ANY CLAIMS MADE OF ACTUAL DEBT SETTLEMENT OR EXAMPLES OF ACTUAL RESULTS ARE CONFINDENTIAL AT THE CLIENTS REQUEST. YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS AND TECHNIQUES MENTIONED, YOUR FINANCES, KNOWLEDGE AND VARIOUS SKILLS. SINCE THESE FACTORS DIFFER ACCORDING TO INDIVIDUALS, WE CANNOT GUARANTEE YOUR SUCCESS. NOR ARE WE RESPONSIBLE FOR ANY OF YOUR ACTIONS.

MATERIALS FROM OUR PROGRAM AND ON OUR WEBSITES MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS "ANTICIPATE," "ESTIMATE," "EXPECT," "PROJECT," "INTEND," "PLAN," "BELIEVE," AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL DEBT SETTLEMENT OR FINANCIAL PERFORMANCE. ANY AND ALL FORWARD LOOKING STATEMENTS HERE OR ON ANY OF OUR SALES MATERIAL ARE INTENDED TO EXPRESS OUR OPINION OF DEBT SETTLEMENT POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSES, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.

If you do not understand or agree with any of these conditions, DO NOT ORDER OR READ THIS MATERIAL. If you require further clarification, please contact debt @ ihatedebt.com. Thank you.

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YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT THAT YOU USE IN CONNECTION WITH YOUR USE OF THE SITE, AND THAT IHateDebt.com AND ITS AFFILIATED ENTITIES AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE. ADDITIONALLY, IHateDebt.com AND ITS AFFILIATED ENTITIES AND SUPPLIERS ARE NOT LIABLE FOR DAMAGES OF ANY KIND ARISING OUT OF OR RELATED TO ANY OF THE CONTENT ON THE SITE, OR THE SERVICES AND PRODUCTS OFFERED FOR SALE THROUGH THE SITE.

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SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IF ANY PART OF THIS LIMITATION ON LIABILITY IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF IHateDebt.com AND ITS AFFILIATED ENTITIES AND SUPPLIERS UNDER SUCH CIRCUMSTANCES FOR LIABILITIES THAT OTHERWISE WOULD HAVE BEEN LIMITED SHALL NOT EXCEED $100.

IF YOU ARE DISSATISFIED WITH THE SITE, ANY OF THE CONTENT, THE SERVICES OR THE PRODUCTS OFFERED FOR SALE THROUGH THE SITE, OR WITH THE TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE.

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Violation of Terms and Conditions and Applicable Law
Use of the Site is subject to the Terms and Conditions as well as applicable federal, state and local law. IHateDebt.com reserves the right to terminate or suspend your access to the Site if we determine that you fail to comply with the Terms and Conditions or if you violate and applicable federal, state or local law.

GOVERNING LAW; JURISDICTION; VENUE
THE TERMS AND CONDITIONS WILL BE CONSTRUED UNDER AND GOVERNED BY THE LAWS OF THE STATE OF CALIFORNIA, WITHOUT GIVING EFFECT TO ANY CHOICE OR CONFLICT OF LAW PROVISION THAT WOULD CAUSE THE APPLICATION OF THE LAWS OF ANY JURISDICTION OTHER THAN THE STATE OF CALIFORNIA, AND THE FEDERAL AND STATE COURTS OF THE STATE OF CALIFORNIA WILL HAVE THE EXCLUSIVE JURISDICTION AND VENUE TO ENFORCE THE TERMS AND CONDITIONS. YOU AGREE NOT TO ASSERT, BY WAY OF A MOTION, AS A DEFENSE OR OTHERWISE, IN ANY SUIT, ACTION OR PROCEEDING ARISING FROM THE TERMS AND CONDITIONS THAT YOU ARE NOT PERSONALLY SUBJECT TO THE JURISDICTION OF THE ABOVE-NAMED COURTS, THAT THE SUIT, ACTION OR PROCEEDING IS BROUGHT IN AN INCONVENIENT FORUM, THAT THE VENUE OF THE SUIT, ACTION OR PROCEEDING IS IMPROPER OR THAT THE TERMS AND CONDITIONS MAY NOT BE ENFORCED IN OR BY THE ABOVE-NAMED COURTS.

 

Testimonials

"Thank you for your help and resources. I had no idea how to handle my creditors until I found your website. Yes, there is light at the end of the tunnel!

Sincerely,
Amanda
(2nd Grade School Teacher, Washington)



"I appreciate your helpful information. We were able to work out a deal that is a win win situation for me and my debt collector's. Thank you so much.
Sincerely,
Julie T.
(Receptionist, Texas)

 

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"The Debt Relief Secret"

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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
Monthly
Payment
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
$900.00
$450.00
$0.00
 
430
215
0
 
$79,978.53
$39,989.27
$0.00
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:

 

PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.