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Terms of Service

Last updated: March 1, 2026

1. Agreement to Terms

By accessing or using the website at resettlegroup.com (the “Site”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site. These terms apply to all visitors, users, and others who access the Site.

2. Services Overview

The Resettle Group LLC (“we,” “us,” or “our”) provides debt settlement services. We negotiate with your creditors to reduce the amount you owe on unsecured debts, including credit cards, medical bills, personal loans, and collection accounts.

This website provides general information about our services. It does not constitute a contract for debt settlement services. A separate enrollment agreement will govern the terms of any debt settlement program you enter into with us.

3. No Upfront Fees

In compliance with the FTC Telemarketing Sales Rule (TSR), we do not charge any fees before successfully negotiating and settling a debt on your behalf. Our fees are only collected after a settlement has been reached and you have agreed to its terms.

4. Fee Structure

Our fees are based on performance:

  • 25% of the amount we save you on each settled account

There are no setup fees and no hidden settlement charges from The Resettle Group. You pay no settlement fees until we successfully settle a debt. Your dedicated, FDIC-insured escrow account, administered by an independent third-party payment processor, has separate service fees as described in Section 11.

5. Right to Cancel

You may cancel your enrollment within 3 business days of signing the enrollment agreement without any penalty or obligation. After the 3-day cancellation period, you may still cancel at any time, subject to the terms of your enrollment agreement. You will only owe fees for debts that have already been successfully settled prior to cancellation.

6. No Guaranteed Results

While we strive to negotiate the best possible settlements, we cannot guarantee specific results. The outcome of debt negotiations depends on many factors, including creditor policies, account status, and the amount owed. Past results do not guarantee future performance.

7. Credit Impact Disclosure

Participating in a debt settlement program may negatively affect your credit score. Settled accounts may be reported as “settled for less than the full amount” on your credit report. However, many clients see credit improvement after completing the program as their overall debt burden decreases.

8. Tax Implications

Forgiven debt of $600 or more may be considered taxable income by the IRS. You may receive a Form 1099-C from your creditor for the forgiven amount. We recommend consulting with a tax professional regarding any potential tax obligations resulting from settled debts.

9. Eligible Debts

Our services apply to unsecured debts only, including credit card debt, medical bills, personal loans, private student loans, and collection accounts. We do not settle secured debts such as mortgages, auto loans, or debts with collateral attached.

10. Your Responsibilities

As a participant in our program, you agree to:

  • Provide accurate and complete information about your debts and financial situation
  • Make regular deposits into your dedicated savings account as agreed
  • Promptly notify us of any changes to your financial situation, contact information, or creditor communications
  • Review and approve settlement offers before we finalize them on your behalf

11. Dedicated Savings Account

As part of the program, you will open a dedicated savings account with a third-party FDIC-insured bank. This account is in your name, and you maintain full control of it at all times. Funds deposited are used to make settlement payments once negotiations are complete. We do not have direct access to withdraw from this account without your authorization.

The third-party account administrator charges the following service fees, which are separate from The Resettle Group’s settlement fees:

  • Monthly service fee: $10.95
  • Annual account fee: $20.00
  • Settlement disbursement fee: $10.00 (ACH, check, or phone) / $25.00 (wire)
  • NSF / Returned item: $10.00 – $18.50
  • Standard refund (ACH): $0.00

A complete schedule of account service fees is provided during enrollment and is available on your account portal and on our pricing page.

12. Website Use

The content on this Site is for informational purposes only and does not constitute legal, financial, or tax advice. You should consult qualified professionals for advice specific to your situation.

You agree not to use the Site for any unlawful purpose, to submit false information through any form on the Site, or to attempt to interfere with the Site’s operation.

13. Privacy

Your use of the Site is also governed by our Privacy Policy. We take the protection of your personal and financial information seriously and will never sell your data.

14. Limitation of Liability

To the fullest extent permitted by law, The Resettle Group LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or our services. Our total liability to you for any claim arising from these terms shall not exceed the total fees you have paid to us.

15. Licensing & Compliance

The Resettle Group LLC is registered to provide debt settlement services in the states where we operate. We comply with all applicable federal and state regulations governing debt settlement services, including the FTC Telemarketing Sales Rule (TSR).

16. Changes to Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Your continued use of the Site after changes are posted constitutes acceptance of the revised terms.

17. Contact Us

If you have any questions about these Terms of Service, please contact us: