The plain-language version: this page covers what Debt Rescue Lab does, what it doesn't do, and what you're agreeing to by opening a case through this site.
By visiting debtrescuelab.com or opening a case through this site, you're agreeing to the terms on this page. If any of this doesn't sit right with you, the simplest move is to close the tab and not submit a case — nothing here is forced on you before you've read it.
We may update this page from time to time (see Section 14). Continuing to use the site after an update means you've accepted the current version.
Debt Rescue Lab is a marketing and connection service. When you open a case, we route your details to your own personal loan lender's resolution or hardship team, or in some instances to a participating lender in our network, so a real conversation about your options can happen directly.
You must be at least 18 years old and a legal resident of the United States to open a case through Debt Rescue Lab. By submitting a case, you're confirming that the information you give us — your name, contact details, and loan situation — is accurate and that it's genuinely yours to share.
Opening a case does not guarantee that your lender will offer a reduced payoff, a payment plan, or any change to your loan at all. Debt resolution and hardship programs are not offered by every lender, are not available in every state, and are not the right fit for every situation.
Any figures, percentages, or examples shown on this site (including in our marketing copy) are illustrative only. Your actual terms depend entirely on your lender, your loan, and your circumstances.
Nothing on this site is legal, tax, or credit counseling advice. Pausing or restructuring payments as part of a resolution strategy can affect your credit score, may lead to added fees or interest, and could result in continued collection activity or lawsuits from a creditor. Resolved debt may also be reported to the IRS as taxable income. If you need advice specific to your situation, talk to a licensed attorney, accountant, or accredited credit counselor.
By submitting your information through this site, you agree that Debt Rescue Lab, and the lender or lender's team we connect you with, may contact you by phone, text message, and email — including using automated dialing or messaging technology — at the number and address you provide, even if that number is on a state or federal Do Not Call list.
This consent isn't a condition of receiving any service, and standard message and data rates may apply. You can ask to stop being contacted at any time using the details in Section 15.
Once your case is opened, you'll be dealing directly with your lender's own team, or a participating lender in our network — a party independent of Debt Rescue Lab. We don't control, and aren't responsible for, how they handle your case, the terms they offer, or the conduct of their staff. Any dispute about the terms you're offered is between you and that lender.
This site may also link out to other resources. We don't review or endorse the content of external sites, and following a link is at your own discretion.
There is no fee to open a case or to use Debt Rescue Lab. We're compensated by lenders in our network for connections made through this site — never by charging you. If a lender's resolution program involves its own fees, they're required to disclose those to you directly before you agree to anything.
When using this site, please don't:
We can suspend or refuse service to anyone we reasonably believe is violating these terms.
The text, design, layout, and graphics on debtrescuelab.com belong to Debt Rescue Lab or its licensors and are protected by copyright and trademark law. You're welcome to link to this site, but reproducing, distributing, or creating derivative works from its content without our written permission isn't allowed.
This site and its content are provided "as is," without warranties of any kind, express or implied. We don't warrant that the site will be uninterrupted, error-free, or that any lender connection will result in a particular outcome.
To the fullest extent permitted by law, Debt Rescue Lab and its owners, employees, and partners won't be liable for any indirect, incidental, or consequential damages arising from your use of this site or any case opened through it — including damages related to a lender's decision, a change in your credit, or a dispute with a third party.
You agree to hold Debt Rescue Lab harmless from any claim, loss, or expense — including reasonable legal fees — arising from your misuse of this site, your violation of these terms, or your submission of false or misleading information as part of a case.
These terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-law principles. Any dispute arising from your use of this site will be handled in the state or federal courts located in Mecklenburg County, North Carolina, unless applicable law requires otherwise.
We may revise this page as our services or obligations change. The "Last updated" date at the top of this page always reflects the current version — we'd encourage checking back occasionally, especially before opening a new case.
Reach us at [email protected] or (833) 492-0109, Monday through Friday, 8:00am–6:00pm ET. Our mailing address is 201 South Tryon Street, Suite 1400, Charlotte, NC 28202.
In short: we open the door to a direct conversation with your lender — free, no obligation, no middleman. What happens after that conversation is between you and them, and this page is here so you know exactly where our part ends and theirs begins.
See also our Privacy Policy and Accessibility Statement.
Important Disclosures: Debt Rescue Lab 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 Debt Rescue Lab. 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.