The rules that apply when you use this site, speak to us, or enroll in a program.
Effective date: July 28, 2026
These Terms and Conditions ("Terms") govern your use of the Mad Debt website and of any service you obtain through us. By using this website, by calling us, or by enrolling in a program through us, you agree to be bound by these Terms. If you do not agree with them, please do not use our services.
Mad Debt is a debt resolution company based in Irvine, California. Throughout these Terms, "we", "us" and "our" mean Mad Debt, and "you" means the person using this website or our services.
We review a person's unsecured debt situation and, where a debt resolution program is a sensible fit, we arrange for enrolled accounts to be negotiated with creditors so they can be settled for less than the full balance owed. Where borrowing would serve you better than settling, we introduce you to third-party lenders instead.
We are not a law firm, a bank, a lender, a credit repair organization or a tax adviser. Nothing on this website and nothing said to you by us is legal, tax, bankruptcy or accounting advice.
You must be at least 18 years old and legally able to enter into a binding contract in order to use our services. Our services are not available in every state, and the terms and fees that apply may differ from one state to another. We will tell you before you enroll whether the program is available where you live.
We do not settle secured debts such as mortgages or vehicle loans. We do not lend money, fund loans, set interest rates or decide who a lender approves. We do not take on your debts as our own, and we do not pay your creditors out of our own funds. We do not provide legal representation, and we cannot appear for you if a creditor takes you to court.
No creditor is under any obligation to negotiate with anyone or to accept any settlement offer. We do not guarantee that any debt will be resolved, that it will be resolved for any particular amount or percentage, or that it will be resolved within any particular period of time.
Taking part in a debt resolution program is likely to have a negative effect on your credit. Creditors and collection agencies may continue to contact you, may charge further interest and fees, and may commence legal action. Balances on enrolled accounts can increase while they are being worked. You should read every program document in full, and be satisfied that you understand it, before you enroll in anything.
There is no charge for speaking with us and no charge for having your situation reviewed. No fee of any kind becomes payable until an enrolled account has been settled and you have approved that settlement. The fees that apply to you, stated as figures, will be set out in writing in your program agreement before you enroll. If a figure in your paperwork does not match what you have been told, do not sign it.
Where we introduce you to a third-party lender, we act only as a referral partner. We are not the lender and we are not a party to any loan you take. The lender decides whether to approve you and on what terms, and the lender's own agreement and disclosures govern that loan. We may receive compensation from a lender or partner for making an introduction. Whether you apply is entirely your decision.
You agree to give us accurate and complete information, to keep it up to date, to make any deposits you have agreed to make, to forward correspondence from creditors when asked, and to tell us promptly if your circumstances change. Our ability to help depends on the accuracy of what you tell us.
By providing your telephone number you agree that we and the partners working on your file may contact you at that number about your enquiry or your program, including by telephone call, text message and email. Consent to receive marketing calls or texts is not a condition of purchasing any service from us. Message and data rates may apply. You may withdraw consent at any time by telling us on a call, by replying STOP to a text message, or by emailing info@maddebt.com.
Delivering the service may involve third parties, including the provider that administers the account holding your funds, the provider that negotiates enrolled accounts, and any lender to whom you are referred. Those parties operate under their own agreements and their own terms apply to the work they do. We are not responsible for the acts or omissions of a third party.
The text, images, logos, design and layout of this website belong to Mad Debt or to those who license them to us, and are protected by intellectual property law. You may not copy, reproduce or reuse any of it without our written permission.
Our Privacy Policy explains what personal information we collect, how we use it, and who we share it with. By using our services you agree to the practices described there.
These Terms apply for as long as you use our services. You may stop using them at any time. We may suspend or end your access to our services at any time, including where we believe these Terms have been breached or where information given to us has been inaccurate. Ending a program does not by itself cancel any obligation that has already arisen under a separate program agreement.
This website is provided as it is. We do not warrant that it will be uninterrupted, error free or secure, and we make no warranty as to the accuracy or completeness of general information published on it.
To the fullest extent the law permits, we are not liable for indirect, incidental, special or consequential losses arising out of your use of this website or of our services. Nothing in these Terms limits any liability that cannot lawfully be limited.
You agree to indemnify and hold harmless Mad Debt and its officers, employees and agents against any claim, loss or expense, including reasonable legal fees, arising out of your use of our services, your breach of these Terms, or your breach of any law or of anyone else's rights.
These Terms are governed by the laws of the State of California, without regard to its conflict of law rules. We would always rather resolve a complaint directly, so please contact us first and give us a fair opportunity to put things right. Any dispute that cannot be resolved that way shall be resolved by binding arbitration administered by the American Arbitration Association under its consumer arbitration rules, and judgment on the award may be entered in any court of competent jurisdiction. Either party may still bring an individual claim in small claims court.
We may update these Terms from time to time. When we do, we will post the revised version on this page and change the effective date at the top. Continuing to use our services after a change means you accept the revised Terms.
Mad Debt
Irvine, California
Phone: (800) 709-1212
Email: info@maddebt.com