Welcome to Debt Help USA, a DBA of Stonegate Consulting LLC ("Debt Help USA", "we", "us"). These Terms of Service ("Terms") govern your access to and use of our website, applications, and services (collectively, "Services"). By accessing or using our Services, you agree to be bound by these Terms.
You must be at least 18 years of age to use our Services. By using our Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.
Debt Help USA is a consumer advisory and referral firm. We are not a law firm and do not provide legal advice. We do not directly settle, negotiate, manage, or consolidate consumer debt. Our role is to provide consumer education about available debt relief options and, where appropriate, connect consumers with licensed third-party providers who deliver the actual services.
For a comprehensive description of what we do and do not do, please see our full Disclaimer.
By opting in, you consent to receive SMS messages from Debt Help USA at the phone number you provide. Messages may include automated or prerecorded content sent via an automatic telephone dialing system.
Message frequency varies based on your engagement with us. Message and data rates may apply per your wireless carrier's plan. Debt Help USA does not charge for sending or receiving SMS messages.
You may opt out at any time by replying STOP to any SMS message we send. You will receive a confirmation message and no further messages will be sent. To resume receiving messages, reply START.
For assistance, reply HELP to any message or contact us at support@debthelpusa.com or (561) 660-9149.
Your consent to receive SMS messages is not a condition of purchasing any goods or services from Debt Help USA or any provider in our referral network.
SMS service is available on most major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.
By providing your phone number to us, you consent to receive phone calls from Debt Help USA related to your inquiry, consultation, and our Services. You may revoke this consent at any time by informing us during a call or by contacting us at the information below.
By providing your email address, you consent to receive emails from Debt Help USA related to your inquiry, consultation, and our Services. You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in any email or by contacting us.
Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
You agree not to: use our Services for any unlawful purpose or in violation of any applicable laws; provide false, misleading, or fraudulent information; attempt to gain unauthorized access to our systems or networks; interfere with or disrupt our Services; use automated systems (bots, scrapers) to access our Services; harass, abuse, or threaten our staff or representatives; or impersonate any person or entity.
All content on our website, including text, graphics, logos, images, and software, is the property of Debt Help USA or Stonegate Consulting LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our express written permission.
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
RESULTS VARY. WE DO NOT GUARANTEE ANY SPECIFIC OUTCOME, SETTLEMENT AMOUNT, FEE REDUCTION, OR ANY OTHER RESULT FROM ANY DEBT RELIEF PROGRAM. The outcome of any debt relief program depends on numerous factors specific to your individual situation.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, Debt Help USA, STONEGATE CONSULTING LLC, AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OUR SERVICES.
You agree to indemnify, defend, and hold harmless Debt Help USA, Stonegate Consulting LLC, and our affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of your use of our Services, your violation of these Terms, or your violation of any third-party rights.
These Terms are governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our Services shall be resolved through binding arbitration in Palm Beach County, Florida, in accordance with the rules of the American Arbitration Association.
You agree to resolve disputes individually and waive any right to participate in class actions, class arbitrations, or representative proceedings.
We reserve the right to terminate or suspend your access to our Services at any time, without notice, for any reason, including violation of these Terms.
We may update these Terms from time to time. When we make material changes, we will update the "Effective Date" at the top and post the revised Terms on our website. Your continued use of our Services after such changes constitutes your acceptance of the new Terms.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Debt Help USA
A DBA of Stonegate Consulting LLC
Email: support@debthelpusa.com
Phone: (561) 660-9149
Last Updated: June 23, 2026