Terms of Use

Individual results may varyand are dependent upon several factors including individual circumstances,creditors’ willingness to settle, successful completion of program and abilityto save funds. First National Debt Solutions does not assume or pay any debt,nor does it provide legal advice or offer credit repair. Settlement estimatesare examples of past performance of settled accounts and do not take intoconsideration our service fees or potential tax consequences. Program notavailable in all States. Read and understand contract terms before enrolling.

The information on thiswebsite, related pages, its links, or any documents contained herein, are notmeant to be a substitute for professional advice and are intended only toinform, assist, and educate users in the areas of credit and debt management. FirstNational Debt Solutions, its agents, and employees cannot and will not providelegal advice. In some instances, it may be wise to seek professional help fromcompetent legal counsel.

First National DebtSolutions, its agents, and employees, hereby disclaim any responsibility forany consequences of the use by anyone of the information contained at thissite.

By use of our website andthe links contained herein, and any related service or product offered throughour website, either directly or indirectly through an affiliate or associate ofour agency, users agree to hold First National Debt Solutions harmless for anyand all damages arising out of its use.

By continuing to view anypages of this website you are agreeing to the following terms and conditionsbelow.


These Terms and Conditionsof Use (the “Terms of Use”) apply to the First National Debt Solutions websitelocated at www.FirstNationalDebt.com, and all associated sites linked to www.FirstNationalDebt.comby First National Debt Solutions and its affiliates (the “Site”). The Site isthe property of First National Debt Solutions (“First National Debt Solutions”)and its licensors. BY USING THE SITE, YOU AGREE TO THESE TERMS OF USE; IF YOUDO NOT AGREE, DO NOT USE THE SITE.

First National DebtSolutions reserves the right, at its sole discretion, to change, modify, add orremove portions of these Terms of Use at any time. It is your responsibility tocheck these Terms of Use periodically for changes. Your continued use of theSite following the posting of changes will mean that you accept and agree tothe changes. As long as you comply with these Terms of Use, First National DebtSolutions grants you a personal, non-exclusive, non-transferable, limitedprivilege to enter and use the Site.

First National DebtSolutions provides “The User” with access to its content, resources, tools forcommunication, public forums, commerce platforms and other services through itsnetwork of websites, “The Service.” First National Debt Solutions provides itsservice to The User, subject to the following Terms of Service.

First National DebtSolutions is not responsible for providing you access facilities or equipment(in any form) to its service. You, “The User”, also comprehends and concur that“The Service” may include advertisements and sponsorships and that these arenecessary for First National Debt Solutions to provide “The Service.” You alsocomprehend and agree that First National Debt Solutions makes no submissionabout the suitability, reliability, availability, timeliness, and accuracy ofthe information, products, services and related graphics contained within “TheService” for any purpose. “The Service” is provided “as is” without warranty ofany kind. First National Debt Solutions hereby disclaim all warranties andconditions with regard to “The Service”.



“The Service” is providedto you, “The User,” under the terms and conditions, and any amendments thereto,and any operating rules or policies that may be published from time to time by FirstNational Debt Solutions as part of the Terms of Service/Legal Disclaimer, andrelated disclosures which are cumulatively included herein by reference. The FirstNational Debt Solutions Terms of Service comprises the entire agreement between“The User” and First National Debt Solutions and supersedes any prioragreements pertaining to the subject matter contained herein. BY COMPLETING THEREGISTRATION PROCESS AND CLICKING THE “SUBMIT” BUTTON, YOU ARE AGREEING TO BEBOUND BY THE First National Debt Solutions Terms of Service, Legal Disclaimerand applicable terms of the Retainer Agreement.


First National DebtSolutions reserves the right to change any of the terms, conditions, andnotices under which “The Services” are offered. You are responsible forregularly reviewing these terms and conditions, includingchanges/modifications, if any, incorporated by us from time to time. Yourcontinued use of “The Service” constitutes your agreement to all such terms,conditions, and notices.


First National DebtSolutions reserves the right to modify or discontinue, temporarily orpermanently, “The Service” (or any part of “The Service”), with or withoutnotice, to “The User” at any time and from time to time. “The User” agrees thatFirst National Debt Solutions shall not be liable to “The User” or any thirdparty for any modification or discontinuance of The Service.


“The Service” may includee-mail services, message boards, chat areas, newsgroups, forums, communitiesand/or other message or communication facilities designed to enable you tocommunicate with others (collectively, “Tools for Communication”). You agree touse the Tools for Communication only to post, send and receive messages andmaterial that are proper and, when applicable, related to the particular toolfor Communication. You also hereby agree that you shall not make use of “TheService” for any commercial purpose, including reselling and/or co-branding/privatelabeling.

As a condition of your useof “The Service,” you, “The User,” agree to provide: (a) true, accurate,current and complete information about yourself as required by “The Service’s”registration form (such data being the “Registration Information, and RetainerAgreement”); (b) maintain and promptly update the Registration Information tokeep it accurate, current and complete. If you provide any information that isuntrue, inaccurate, not current or incomplete, First National Debt Solutions hasthe right to terminate the user account and refuse any and all current orfuture use of “The Service”; and (c) First National Debt Solutions has theright to use / disclose the aggregate registration information to third partiesin connection with marketing of services, subject to the privacy policy. Youhave also given First National Debt Solutions the right to use yourregistration information to customize the content you see, to fulfill yourrequests for certain products and services and to contact/inform you throughe-mail or otherwise about special offers or new products.


As a condition of your useof “The Service,” you will not use “The Service” for any illegal purposes. Youwill be solely responsible for the contents of transmissions made by youthrough “The Service.” You agree not to use “The Service” to: (a) Obstruct orhinder the use and enjoyment of “The Service” by other users; (b) Violate anyapplicable local, state, national, and international laws and regulations; (c)Impersonate any person or entity, or falsely state or otherwise misrepresentyour affiliation with a person or entity; (d) Interfere with or disrupt “TheService” or servers or networks connected to “The Service”, or defy anyrequirements, regulations or guidelines of networks connected to “The Service”;(e) Transmit or otherwise make available any material in connection withsurveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, orany duplicative or unsolicited messages (commercial or otherwise); (f) Upload,post, e-mail, transmit or otherwise make available any content that isunlawful, damaging, intimidating, hostile, offensive, harassing, defamatory,improper, obscene, vulgar, invasive of another’s privacy, caste related,ethnically or otherwise objectionable; (g) Upload, post, e-mail, transmit orotherwise make available any content protected by any patent, trademark,copyright or other intellectual proprietary laws unless you own or control therights thereto or have received all necessary consents to do the same; (h)Upload files that contain viruses, worms, corrupted files or any other similarsoftware or programs designed to disrupt, damage or limit the operation of anycomputer or telecommunications equipment or property of another; (i) “Stalk” orotherwise harass other users; collect or store personal data about other users;(j) Advertise, promote or offer to sell or buy any goods or services for anybusiness purpose unless “The Service” specifically allows such messages ortransactions; (k) Reproduce, duplicate, copy, sell, resell or exploit for anycommercial purposes, any portion, use or access of “The Service”; (l) Violatethe Fair Credit Reporting Act, the Fair Debt Collection Practices Act or anyother law, (m) Conduct any activity that would aid or assist terrorism orrelated activity or would endanger U.S. military personnel.

First National DebtSolutions has no obligation to observe and monitor “The Service.” However, FirstNational Debt Solutions reserves the right to review materials posted and toremove any materials. First National Debt Solutions also reserves the right toterminate your access to any or all of “The Services”, at any time, withoutnotice, for any reason whatsoever.

First National DebtSolutions reserves the right, subject to attorney-client privilege to theextent applicable, and to the extent the same is not waived through theseprovisions, at all times to divulge any information as it considers necessaryto satisfy any applicable law, regulation, legal process or governmentalrequest, or to edit, refuse to post or to remove any information or materials,in whole or in part. These would be more applicable to the publicly accessibleareas of “The Service” that are intended to be available to the general public.For example, publicly accessible areas of “The Service” would include messageboards and chat rooms that are open to both registered users and visitors.

In view of the globalnature of the World Wide Web, “The User” understands and agrees that technicalprocessing of tools of communication is (and may be) required to send andreceive messages, to correspond/conform to the technical requirements ofconnecting networks, to correspond/conform to the limitations of “The Service”,or to correspond/conform to other, similar technical requirements.


Registration informationand certain other information about you are subject to our Privacy Policy. Formore information, see our Privacy Policy.


You expressly understandand agree that to the extent permitted under the RPC, First National DebtSolutions shall not be liable for any direct, indirect, incidental, special,consequential or exemplary damages, including but not limited to, damages forloss of profits, goodwill, use, data or other intangible losses (even if FirstNational Debt Solutions has been advised of the possibility of such damages),resulting from: (i) the use or the inability to use The Service; (ii) the costof procurement of substitute goods and services resulting from any goods, data,information or services purchased or obtained or messages received ortransactions entered into through or from The Service; (iii) unauthorizedaccess to or alteration of your transmissions or data; (iv) statements orconduct of any third party on The Service; or (v) any other matter relating toThe Service.


First National DebtSolutions does not claim ownership of the “content” (in the form of data, text,software, music, sound, photographs, graphics, video, messages or othermaterials) you provide to First National Debt Solutions (including feedback andsuggestions) or post, upload, privately transmit, input or submit to any FirstNational Debt Solutions site or service for review by the general public.However, by posting, uploading, or making available content or any othermaterial, you grant First National Debt Solutions and its affiliate sitespermission to use your submission in connection with the operation of theirInternet businesses, including, without limitation, the rights to copy,distribute, transmit, publicly display, publicly perform, reproduce, edit,translate and reformat your submission, and to publish your name in connectionwith your submission.

If you have questions aboutthe Terms of Use employed at First National Debt Solutions, please contact:

First National DebtSolutions
300 McGaw Drive
Edison, NJ 08837