Site policy
Terms of Service
Last updated June 19, 2026
By using Debt Recovery Journal, you agree to these terms. If you do not agree, do not use the site. These terms apply to the articles, topic pages, resources, contact forms, RSS feed, and other content published on this website.
Educational use only
The site is designed to help readers understand debt-related topics in plain English, including credit card debt, collections, charge-offs, bankruptcy, debt settlement, IRS and tax debt, medical debt, student loans, business debt, and credit rebuilding. Content is general education and personal perspective, not individualized advice.
No professional relationship
Reading the site, using a calculator, downloading a resource, subscribing to updates, or sending a contact form does not create an attorney-client relationship, tax advisor relationship, credit counseling relationship, financial advisor relationship, or debt settlement client relationship.
Your responsibility
Debt decisions can have legal, tax, credit, and financial consequences. You are responsible for verifying information, checking deadlines, reading documents carefully, and speaking with qualified professionals before making decisions about lawsuits, bankruptcy, taxes, settlements, payment plans, credit reporting disputes, or debt relief programs.
No guarantees
Debt Recovery Journal does not guarantee eligibility, approval, settlement savings, lawsuit outcomes, bankruptcy results, tax resolution, credit score changes, account deletion, or any specific financial result. Outcomes depend on your facts, creditors, state law, court deadlines, tax rules, documents, income, assets, and professional guidance.
Acceptable use
Do not misuse the site, attempt to disrupt it, scrape it aggressively, submit false or harmful information, upload malicious content, impersonate someone else, or use the site for unlawful activity. You may share short excerpts with a clear link back to the original page, but you may not republish substantial portions of the site as your own.
Third-party resources
The site may link to government pages, nonprofit resources, professional directories, articles, tools, or outside websites. Those links are provided for convenience and education. Debt Recovery Journal is not responsible for third-party content, services, claims, policies, pricing, or results.
Changes to the site
Content and these terms may be updated at any time. Debt laws, tax rules, credit reporting practices, student loan programs, and creditor policies can change, so older articles may not reflect the latest rule or your specific situation.