Consumer Disclosures

Harbor Relief is an independent consumer matching and referral service.
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Harbor Relief helps consumers learn about potential ways to manage debt and, when possible, connect with participating third party providers based on information consumers voluntarily provide.
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Harbor Relief is not a lender, creditor, debt collector, debt settlement provider, credit counseling agency, credit repair organization, law firm, tax advisor or government agency.

Harbor Relief does not:
• Make or fund loans
• Extend credit
• Settle consumer debts
• Negotiate directly with creditors
• Collect payments intended for creditors
• Assume consumer debts
• Make final eligibility or approval decisions
• Provide credit repair services
• Provide legal, tax, accounting or bankruptcy advice
• Guarantee approval, savings or any particular result

Information provided through the Harbor Relief website is intended for general educational purposes.
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Nothing on this website constitutes legal, tax, accounting, credit, investment or financial advice.
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The information provided by Harbor Relief should not be considered a recommendation that any particular debt option is appropriate for you.
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Individual circumstances vary, and consumers should carefully review any product or program with the participating provider offering it.

Harbor Relief does not itself provide the debt related products or programs that may be discussed with consumers.
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Based on the information you voluntarily provide, Harbor Relief may identify a participating provider that may offer an option relevant to your situation.
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A potential match does not mean that you have been approved, accepted or enrolled.
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Participating providers independently determine their own:
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• Eligibility requirements
• Approval decisions
• Products and programs
• Interest rates
• Fees and costs
• Terms and conditions
• Program requirements
• Timelines
• Credit requirements
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Harbor Relief does not control or guarantee those decisions.

Harbor Relief works with a limited network of participating providers.
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Harbor Relief does not represent that it evaluates every lender, debt relief provider, credit counseling organization or debt related option available in the marketplace.
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There may be providers or options available to you that are not part of the Harbor Relief network.
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Consumers should evaluate any participating provider and its terms before deciding whether to proceed.

Harbor Relief may receive compensation from participating providers for referrals, marketing services, qualified leads, calls or other consumer introductions.
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This compensation does not increase or guarantee your eligibility for any product or program.
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Harbor Relief does not charge consumers a fee for using its matching and referral service.

Completing the Harbor Relief questionnaire does not constitute a loan application.
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Submitting information through Harbor Relief does not enroll you in a debt settlement, debt management or other debt relief program.
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Being connected with a participating provider also does not mean that you have been approved or enrolled.
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You decide whether you want to continue after a participating provider explains the options, requirements, costs, risks and terms that may apply.

Harbor Relief does not guarantee:
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• Approval or acceptance
• Eligibility for a particular option
• A particular interest rate
• A particular monthly payment
• A reduction in debt
• A particular settlement amount
• A particular amount of savings
• A particular timeline
• Improvement in your credit
• Any other financial outcome
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Results depend on factors that may include your debt, income, credit profile, creditors, state of residence, participating provider and individual financial circumstances.

Debt consolidation generally involves obtaining new credit that may be used to combine or pay off existing debts.
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Approval for a debt consolidation loan may depend on factors such as credit history, credit score, income, existing debt and other underwriting criteria established by the lender.
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Interest rates, fees, monthly payments and repayment terms vary by lender.
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Debt consolidation does not necessarily reduce the total amount you will repay. Extending the repayment period or paying additional interest and fees may increase the total cost of borrowing.
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Failure to repay a loan according to its terms may negatively affect your credit and may result in additional collection activity.
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Harbor Relief does not make loans or determine loan approval, rates or terms.

Debt relief is a broad term that can include programs intended to help consumers manage or resolve qualifying debts.
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Debt settlement is one type of debt relief. In a debt settlement program, a provider may work with an enrolled consumer to negotiate with creditors in an effort to resolve eligible debts for less than the amounts owed.
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Debt settlement is not appropriate for everyone.
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Potential risks may include:
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• Negative effects on credit
• Continued collection calls or collection activity
• The possibility that creditors or collectors may pursue legal action
• Continued accumulation of interest or fees
• No guarantee that a creditor will agree to settle
• No guarantee of a particular settlement amount
• Potential tax consequences when debt is forgiven
• Program fees and costs
• Program availability that varies by state, debt type and provider
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Consumers considering a debt relief program should carefully review the provider's disclosures, fees, expected timeline, program requirements and potential consequences before enrolling.
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FTC rules require covered debt relief providers to make certain material disclosures before consumers enroll, including information concerning fees, expected timing, required savings and potential consequences associated with the program.

Completing Harbor Relief's initial questionnaire does not itself constitute an application for credit.
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A participating provider may have its own process for reviewing your credit history or obtaining a credit report if you decide to proceed.
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Any credit inquiry, authorization requirement or potential effect on credit should be explained by the participating provider before it occurs.
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Different debt options can affect credit differently.

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Certain debt related transactions, including forgiveness or cancellation of debt, may have tax consequences.
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Harbor Relief does not provide tax advice.

Consumers should consult a qualified tax professional regarding their individual circumstances.

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Not every consumer, type of debt, state or financial situation will qualify for every product or program.
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Products, programs, rates, fees, terms and provider availability may vary based on factors including:
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• State of residence
• Type and amount of debt
• Credit profile
• Income
• Participating provider requirements
• Individual circumstances
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Harbor Relief does not guarantee that a participating provider or suitable option will be available.

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Harbor Relief is not a government agency or government program.
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Harbor Relief is not affiliated with, endorsed by or sponsored by the United States government, any state government or any other governmental entity.

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Harbor Relief does not act as your lender, attorney, financial advisor, credit counselor or debt settlement representative.
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Harbor Relief does not negotiate with providers or creditors on your behalf and does not owe you a fiduciary duty.
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Participating providers are independent third parties and are not employees or agents of Harbor Relief.

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Harbor Relief strives to provide clear and useful educational information.
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However, debt related laws, financial products, provider requirements and individual circumstances may change.
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Harbor Relief does not guarantee that every piece of general information appearing on the website will apply to your individual situation.

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When you voluntarily provide personal information to Harbor Relief, that information may be used and shared as described in our Privacy Policy and in the consent presented to you at the time of submission.
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For information about calls, text messages, consent and your ability to revoke communications consent, please review our TCPA Consent & Communications Disclosure.

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