LEGAL & TRANSPARENCY

Advertising Disclosure

One Debt Solution is committed to full transparency about how our business works, how we make money, and how that may affect the information and options you see on our website.

Last Updated: June 22, 2026

1. Who We Are

One Debt Solution operates onedebtsolution.com as a referral and marketing platform in the debt relief industry. We help individuals experiencing financial hardship explore their debt relief options. Our business model involves collecting qualified inquiries and providing that information to third-party debt relief providers, who compensate us in connection with those referrals.

We are not a debt settlement company, debt consolidation lender, credit counseling agency, law firm, bank, or any other type of licensed financial institution. We do not directly provide debt relief services. Our role is to receive your inquiry, review your information, and provide it to one or more third-party providers in our network in exchange for compensation.

Our headquarters: 5900 Balcones Drive STE 100, Austin, Texas, 78731, USA. Contact: partners@onedebtsolution.com

2. How We Make Money

How we make money: One Debt Solution does not charge any fees directly to users. Our service is free to you. We are compensated by the third-party debt relief providers, financial service companies, and marketing partners in our network.

This compensation takes one or more of the following forms:

  • Per-lead fees: We receive payment when we deliver a qualified inquiry to a partner provider, regardless of whether you ultimately enroll in their program.
  • Per-enrollment fees: Some partners pay us when a user they were referred to by us enrolls in their debt relief program.
  • Revenue sharing: In some arrangements, we receive a share of revenue generated from users we refer to partner providers.
  • Flat advertising fees: Some partners pay a fixed fee to appear in our network or be presented to users matching certain criteria.

The amount we are compensated varies by partner, the type of debt involved, your state of residence, and other factors. We do not disclose the specific compensation amount we receive from individual partners.

3. How Compensation Affects What You See

Our compensation arrangements may influence:

  • Which providers you are matched with: Partners who compensate us at higher rates may be more likely to be presented to you, even if other providers not in our network might offer comparable or better terms.
  • The order in which options are presented: Higher-compensating partners may appear more prominently in our matching results.
  • Which types of debt relief are highlighted: We may emphasize services or programs where we have active partner relationships and receive compensation.
What this means for you: the options presented to you through One Debt Solution represent a subset of the debt relief market, specifically the providers and programs in our partner network. We do not represent all debt relief providers operating in the United States.

We present the options available to us in good faith and work to match you with partners who are likely to be able to help you. However, we strongly encourage you to conduct independent research and compare multiple sources before making any financial decisions.

4. What We Are Not

To avoid any confusion, One Debt Solution is explicitly not:

  • A law firm: We do not provide legal advice or legal representation. Nothing on our website constitutes legal counsel.
  • A licensed financial advisor: We do not provide personalized financial advice. Our content is for general informational purposes only.
  • A debt settlement company: We do not negotiate directly with your creditors. Negotiation is performed by the third-party providers you are connected with.
  • A credit repair organization: We do not dispute items on your credit report or repair your credit score.
  • A lender or bank: We do not issue loans, extend credit, or hold your funds at any point.
  • A nonprofit credit counseling agency: We are a for-profit marketing company. Nonprofit credit counseling agencies offer different services and fee structures.
  • A government agency: We have no affiliation with the IRS, any state tax authority, the FTC, the CFPB, or any other government body.

5. Our Partner Network

Our partner network includes third-party debt relief providers, debt consolidators, financial service companies, and marketing intermediaries. When you submit a form on our website, your information may be shared with:

  • Tier 1 partners: Direct debt settlement and debt consolidation companies who review your information and may contact you directly with an offer.
  • Tier 2 marketing partners: Additional marketing companies and aggregators in the debt relief space who may further distribute your information to their own networks of providers.

By submitting a form on our website, you understand and consent to your information being shared with both Tier 1 and Tier 2 partners. Multiple companies may contact you as a result of a single form submission.

All partners in our network are required to comply with applicable federal and state laws, including the FTC's Telemarketing Sales Rule, the Telephone Consumer Protection Act (TCPA), and all applicable state debt relief regulations.

6. How We Share Your Information

When you submit a form on our website, the information you provide, including your name, contact information, debt type, and approximate debt amount, is shared with partners in our network for the purpose of matching you with debt relief options.

Your information may be shared with multiple partners simultaneously. Each partner independently reviews your information and decides whether to contact you with an offer.

We do not sell your personal information to data brokers for purposes unrelated to debt relief. We share your information only with partners and service providers for the purposes described in this disclosure and in our Privacy Policy.

8. No Guarantee of Results

One Debt Solution does not guarantee any specific outcome, savings amount, debt reduction, or resolution timeframe. The debt relief results described on our website, including client stories, testimonials, and statistics, reflect individual experiences and are not a guarantee of future results.

Key disclosures required by the FTC and applicable state laws:

  • Not all clients complete debt relief programs. Debt relief programs typically take 24–48 months to complete, and clients who do not complete the program may not achieve the described results.
  • Debt relief may negatively impact your credit score. Enrolling in a debt settlement program typically involves stopping payments to creditors, which may cause accounts to become delinquent and negatively affect your credit rating.
  • Forgiven debt may be taxable. The IRS generally treats forgiven debt as taxable income in the year it is forgiven. You may receive a 1099-C form from your creditor and may owe taxes on the forgiven amount. Consult a qualified tax professional for guidance specific to your situation.
  • Creditors are not required to negotiate. Debt settlement depends on the willingness of your individual creditors to accept reduced settlement offers. Not all creditors participate, and results vary by creditor.
  • Legal action remains possible. While in a debt relief program, creditors retain the right to pursue legal action, including lawsuits and judgments, to collect the debt.

9. Independent Research Encouraged

We strongly encourage all users to conduct independent research before selecting a debt relief provider or enrolling in any debt relief program. Resources we recommend:

  • Consumer Financial Protection Bureau (CFPB): consumerfinance.gov — independent information on debt relief options, creditor rights, and consumer protections.
  • Federal Trade Commission (FTC): consumer.ftc.gov — guidance on avoiding debt relief scams and understanding your rights.
  • National Foundation for Credit Counseling (NFCC): nfcc.org — nonprofit credit counseling referrals.
  • Better Business Bureau (BBB): bbb.org — check the accreditation and complaint history of any debt relief company before enrolling.

Comparing multiple providers and reading independent reviews is always in your best interest before making any financial decision.

10. Debt Relief Industry Disclosures

The following disclosures are required by the FTC's Telemarketing Sales Rule (TSR) for debt relief services marketed via telephone or online:

  • We do not charge any upfront fees before we provide services.
  • We do not guarantee that we can settle, reduce, or otherwise change the terms of any debt.
  • We do not guarantee that our service will result in a positive change to your credit rating or credit score.
  • Debt settlement programs may have tax consequences. Consult a tax professional regarding your specific situation.
  • Not all debt is eligible for enrollment. Secured debts, student loans, and certain other debt types are typically not eligible for debt settlement programs.

11. State-Specific Notices

Debt relief services are regulated at the state level, and specific disclosures and restrictions apply in many states. Some states require debt relief providers to be licensed. Not all services described on this website are available in all states.

If you are a resident of California, Colorado, Connecticut, Florida, Georgia, Illinois, Maryland, Mississippi, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, Tennessee, Texas, Washington, or Wisconsin, additional state-specific protections and regulations may apply to any debt relief services you engage with.

We encourage residents of all states to verify that any debt relief provider they engage with is properly licensed or registered in their state where required.

12. Your Rights

You have the right to:

  • Receive a copy of any contract or agreement before signing or enrolling in any program
  • Cancel any debt relief services contract within three business days of signing, without penalty, under the FTC's Cooling-Off Rule
  • Request that we remove your information from our system and stop contacting you
  • File a complaint with the CFPB, FTC, or your state Attorney General if you believe your rights have been violated

13. Contact Us

If you have questions about this Advertising Disclosure or about how our service works, please contact us:

Email: partners@onedebtsolution.com

Mail: 5900 Balcones Drive STE 100, Austin, Texas, 78731, USA

Website: onedebtsolution.com/contact

We are committed to full transparency and are happy to answer any questions about our business model, partner relationships, or data practices.

This Advertising Disclosure is incorporated by reference into our Terms and Conditions and Privacy Policy. Use of this website constitutes acceptance of this disclosure and all associated policies.