Terms of Use
Last updated: February 2026
Welcome to GetOutOfDebt.org. I’m Steve Rhode — the Get Out of Debt Guy. This site is owned and operated by Flight Systems LLC. These terms explain how the site works, what you can expect from me, and what I expect from you. I’ve tried to keep this readable because nobody should need a law degree to understand terms of use.
What This Site Is
GetOutOfDebt.org provides free information, education, and my personal opinions about debt, credit, and financial issues. I research and write about debt relief companies, consumer protection topics, and strategies for getting out of debt. My goal is to help people make informed decisions about their financial situation.
This site is completely free to use. I do not run ads, sell products, or have affiliate relationships with any company. I do not charge for the help I give, the articles I write, or the investigative research I publish.
I Am Not Your Lawyer, Accountant, or Financial Advisor
I am not a lawyer, accountant, tax advisor, or licensed financial professional. While some of what I write may touch on legal or financial topics, nothing on this site is legal advice, tax advice, or professional financial advice. It’s information and my opinion.
If you need advice specific to your situation, please consult a licensed professional — a bankruptcy attorney, CPA, or financial advisor in your state. I can help you understand your options, but only a licensed professional can give you advice you should rely on for important decisions.
My Opinions Are My Own
Much of what I write is a combination of sourced facts and my personal opinion based on 30+ years of experience in the debt relief space. I am entitled to my opinions and I share them openly. When I review a company, I base my review on publicly available information, my research, and my professional judgment. My reviews and articles reflect my honest assessment.
The Advice I Give
When I answer questions, I’m working with limited information — whatever someone has shared with me. My responses are general guidance, not a detailed prescription for your specific circumstances. Think of it as an informed starting point, not a final answer. Evaluate what I share and decide what applies to your situation.
Free Tools and Calculators
This site offers free interactive tools — calculators, quizzes, scam checkers, and other resources. A few things to understand about them:
- Educational only. These tools provide general educational information, not personalized financial, legal, or tax advice. The results are starting points for understanding your situation, not a plan of action. Always consult a licensed professional before making financial decisions.
- AI-generated results. Several tools use artificial intelligence to generate results based on your inputs. AI can make mistakes. The calculations and analysis provided are estimates based on general assumptions (like historical market returns) and may not reflect your actual situation. Do not rely solely on these results for important financial decisions.
- Anonymous data collection. When you use a tool, your inputs and results are stored anonymously on my server. No personally identifying information is collected — see my Privacy Policy for details. I use this anonymous data in aggregate to understand what readers are dealing with and to improve the site’s content.
- No guarantees. I make no warranty that the tools will be available at all times, that results will be error-free, or that the information generated will be applicable to your specific circumstances.
Your Privacy
I respect your privacy. Here’s how I handle your information:
- I will not share your email address without your permission unless required by law.
- If you ask a question that I publish on the site, I may use your first name. I will never publish your email address.
- If you use the site’s contact forms, your information stays with me unless you’ve asked to be connected with a specific type of help (like a bankruptcy attorney), in which case I may forward your request to an appropriate professional.
- If I have reason to believe the site is being used for unauthorized or illegal purposes, I reserve the right to share relevant information with law enforcement.
- I will comply with any valid legal request for visitor information.
The site may use cookies for basic functionality. If you have questions about this policy, contact me here.
Comments and User Content
If you post a comment, ask a question, or submit content to this site, a few things to keep in mind:
- Once posted, it stays posted. I generally do not delete published comments or questions. Think before you post.
- You are responsible for what you write. I don’t verify the accuracy of every user comment, and user content does not reflect my views.
- I may moderate or remove comments that are abusive, spam, or violate these terms — but I don’t pre-screen comments.
- If you need to correct something you said, post a follow-up comment with your correction. I’m happy to publish corrections.
As an interactive computer service provider under the Communications Decency Act (47 U.S.C. § 230), I am not liable for content posted by users of this site.
Using My Content
You’re welcome to quote a small portion of my content, but you must link back to the original article and keep any existing links intact. Do not republish my articles in full or scrape my RSS feed. If you do, I will file a DMCA complaint.
My Company and Site Review Policy
I write reviews and articles about debt relief companies as a public service to help consumers make informed decisions. Here’s how I approach this:
- My reviews are based on publicly available information, court records, government databases, and my professional research and opinion.
- I have no vendetta against any person or company. I write about companies because readers ask about them or because something caught my attention.
- Every factual claim in my reviews is sourced. If I got something wrong, I want to know — tell me and I’ll correct it.
- I welcome companies to respond in the comments or contact me directly with their perspective. I believe both sides of a story make for better journalism.
I Don’t Accept Money to Remove Articles
I’ve been offered money to take down articles. I’ve never accepted and I never will. My credibility depends on it. If something I published is factually wrong, I will correct it — for free. But truthful, accurate reporting is not for sale.
If I got something wrong about you or your company, use this form to report the error. I take accuracy seriously.
Threats Don’t Work Either
Threatening letters from attorneys tend to make me look harder at whatever I originally wrote. If you believe I made an error, a straightforward conversation will get you much further than a legal threat. I’m reasonable. Start here.
The Legal Part
These Terms are governed by the laws of the State of North Carolina. Any legal action related to this site must be brought in the State or Federal Courts located in Wake County, North Carolina.
This site is owned and operated by Flight Systems LLC. Any action related to these Terms or the site shall be subject to the jurisdiction of said courts.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FLIGHT SYSTEMS LLC, GETOUTOFDEBT.ORG, AND STEVE RHODE SHALL NOT BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THIS SITE, THE CONTENT PROVIDED, OR ANY INFORMATION OBTAINED THROUGH THIS SITE. TOTAL LIABILITY SHALL NOT EXCEED $100.
I AM NOT LIABLE FOR USER-GENERATED CONTENT OR THE CONDUCT OF ANY THIRD PARTY ON THIS SITE. THE RISK OF RELYING ON USER-GENERATED CONTENT RESTS ENTIRELY WITH YOU.
ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THIS SITE MUST BE FILED WITHIN ONE (1) YEAR AFTER IT ACCRUES. OTHERWISE, IT IS PERMANENTLY BARRED.
If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full effect.
Copyright Concerns
If you believe content on this site infringes your copyright, you may submit a DMCA notice to:
Flight Systems LLC
Contact form
A valid DMCA notice must include: identification of the copyrighted work, identification of the infringing material, your contact information, a good faith statement that the use is not authorized, and a statement that the information in the notice is accurate.
Questions?
If you have questions about these terms, contact me. I’m a real person and I’ll respond.
