Disclaimer: My Debt Navigator acts solely as a referral affiliate for various debt settlement programs and does not provide these services directly. My Debt Navigator makes no guarantees or warranties, express or implied, regarding the outcomes or results of any debt settlement program. Participation in such programs should not be considered a substitute for professional financial, legal, or tax advice. By using these services, it is your responsibility to read, understand, and agree to the terms and conditions of the program you enroll in. You should ensure that any program is suitable for your specific circumstances. My Debt Navigator does not assume any debts, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. We are not a lending institution, creditor, or debt collector. Availability of our services may vary based on state laws and regulations, and fees may also vary accordingly. We highly recommend consulting with a tax professional to understand the potential tax implications of less-than-full balance debt resolution. Please be aware that participation in debt settlement services can adversely affect your credit score, may lead you to be subject to collections, and in some cases, you may be sued by creditors or collectors. My Debt Navigator is indemnified of any liability for the actions and results of the carriers and acts solely as a referral affiliate. We strongly recommend that all materials and disclosures relating to the debt settlement program are thoroughly read and understood before enrollment. Your use of these services signifies your understanding and acceptance of these terms.