By using this website and submitting your information, you agree to the following terms:

1. Consent to Contact

You consent to be contacted by Peaceful Pathways Debt Settlement via phone, text message (including SMS), and email. Communications may be sent using automated systems, prerecorded or artificial voice technology, and/or manual methods. Message and data rates may apply. Consent is not required as a condition to receive services and can be revoked at any time. To opt out of SMS, reply “STOP.”

2. Use of Information

Any information you submit through this website may be used to evaluate your eligibility for our services, contact you regarding your inquiry, and fulfill legal or compliance obligations. For more details on how we handle your data, see our Privacy Policy.

3. Accuracy of Submissions

You agree that the information you provide is accurate and up to date. Submitting false or misleading information may affect our ability to assist you and may violate applicable laws.

4. No Guarantees or Advice

Peaceful Pathways does not guarantee specific outcomes, debt reduction amounts, or exact timeframes. Services provided do not constitute legal, tax, or financial advice. For tax guidance, please consult a tax professional. For bankruptcy information, consult a licensed bankruptcy attorney.

5. Program Disclosures

• Participation in debt settlement will likely negatively affect your creditworthiness, may result in collections or lawsuits, and may increase the total balance owed due to interest and fees.

• Most clients receive their first settlement within the first 3 months, depending on their ability to save funds, and the overall program length is typically 12–48 months.

• Clients must generally save about 20% of their enrolled debt before settlement offers can be negotiated.

• Not all debts are eligible for enrollment, and not all clients complete the program. Results vary.

• Clients deposit funds into a dedicated account they own and control. Funds may be withdrawn at any time without penalty. If a client withdraws from the program, all funds remaining in the dedicated account will be returned to the client, except for fees already earned on successfully negotiated settlements.

• Program fees are typically 25% of enrolled debt, though exact fees vary by state and are fully disclosed in each client’s agreement.

6. Money-Back Guarantee

Peaceful Pathways offers a money-back guarantee. If a client chooses to opt out of the program before any settlement has been reached and approved by the client, all funds the client has deposited into the dedicated account will be refunded in full. Because Peaceful Pathways only earns fees after a settlement is reached and approved, no fees are charged unless that condition is met.

7. State Availability

Our services are not available in all states. Please contact us directly to confirm service options in your area.

8. Third-Party Services

We may work with service providers or affiliates to deliver certain parts of our services. We are not responsible for the actions, terms, or content of third-party websites linked from or integrated with our Site.

9. Limitation of Liability

We are not liable for any indirect, incidental, or consequential damages arising from your use of this Site or services, including but not limited to loss of data, service interruptions, or third-party conduct.

10. Arbitration Clause

You agree that any disputes related to your use of the Site or services will be resolved exclusively through final and binding arbitration, and not in court. This includes disputes over interpretation, enforceability, or breach of these Terms.

11. Modifications

We reserve the right to update or change these Terms at any time without prior notice. Continued use of the Site after changes constitutes your agreement to the updated Terms.

Terms & Conditions