Legal Disclaimer

1. No Legal Advice

DebtCrusher.ai provides:

• Educational information about debt and credit processes
• Technology tools for document analysis
• Template letters that you may customize and use
• General information about consumer rights

We do NOT provide: Legal advice, legal representation, or legal services of any kind.

2. Credit Repair Organization Disclosure

Under CROA, you have the right to dispute inaccurate information on your credit report yourself, and you can contact credit reporting agencies and creditors directly at no cost.

3. Letter Templates Disclaimer

All letter templates provided are:

• Educational samples based on general legal principles
• Starting points that require your review and customization
• Not legal documents prepared by an attorney for your specific situation
• Your responsibility to review, modify, and decide whether to send

You must review all letters before sending. We are not responsible for the content, accuracy, or consequences of letters you choose to send.

4. No Guarantee of Outcomes

We make no guarantees about:

• Successful dispute outcomes
• Credit score improvements
• Debt reduction or elimination
• Legal proceedings results
• Specific dollar amounts saved

Exception: Our money-back guarantee applies only to our credit repair analysis service under the specific conditions outlined in our Terms of Service (minimum 1 removal within 60 days).

5. Medical Billing Analysis

6. Credit Report Analysis

Regarding credit report analysis:

• We do NOT access credit reports directly from credit bureaus
• You voluntarily upload credit report documents for analysis
• Analysis is educational and may not reflect current credit status
• You should verify information directly with credit bureaus
• Results may vary based on document quality and completeness

7. FCRA and FDCPA References

References to the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and other laws are:

• Informational only and not legal counsel
• General summaries that may not reflect recent changes
• Not specific legal advice for your situation
• Subject to interpretation by courts and agencies

8. When to Consult an Attorney

You should consult with a qualified attorney if you have:

• Complex legal disputes or lawsuits
• Questions about specific laws in your jurisdiction
• Significant financial exposure or damages
• Need for legal representation in court
• Concerns about potential legal violations
• Any situation requiring legal advice

9. AI and Technology Limitations

Our AI analysis tools:

• Are not perfect and may miss information or make errors
• Cannot replace human judgment or professional expertise
• May not understand unique circumstances or complex situations
• Should be verified by reviewing original documents
• Are educational tools only, not professional analysis

10. State Law Variations

Laws vary significantly by state and jurisdiction. Information provided may not be accurate for your specific location. State-specific legal requirements, statutes of limitations, and procedures may differ from general information provided. Always verify local laws and regulations.

11. User Responsibility

By using DebtCrusher.ai, you acknowledge and agree that:

• You are solely responsible for decisions and actions taken
• You will verify information independently before acting
• You understand the limitations of our educational tools
• You will seek professional advice when appropriate
• You use our services at your own risk

12. Updates and Changes

This disclaimer may be updated periodically. Laws, regulations, and best practices change over time. Always check for the most current version of this disclaimer and our terms of service.

13. Contact Information

For questions about this disclaimer or our services:

This disclaimer does not create an attorney-client relationship. If you need legal advice, please contact a licensed attorney in your jurisdiction.