This Legal Disclosure is provided by One Debt Solution to ensure full transparency about the nature of our services, our legal status, the limitations of our platform, and the rights and responsibilities of all parties.
Last updated: July 24, 2026One Debt Solution is a privately held debt relief referral and marketing services company incorporated and operating in the United States. Our registered business address is:
One Debt Solution, 5900 Balcones Drive STE 100, Austin, Texas, 78731, USA. Email: partners@onedebtsolution.com. Website: onedebtsolution.com
What we are: One Debt Solution is a referral and marketing company that operates an advertising-supported platform at onedebtsolution.com. Our business consists of collecting inquiries from consumers seeking debt relief and providing that information to third-party debt relief service providers, who compensate us in connection with those referrals.
What we are not:
One Debt Solution provides a free online platform that allows consumers to submit inquiries about debt relief options. Upon receiving an inquiry, we process the consumer's information and provide it to third-party providers in our partner network, who compensate us in connection with those referrals.
Our services are limited to: receiving and processing consumer inquiries, providing consumer information to third-party debt relief providers in exchange for compensation, publishing general informational content about debt relief options, and directing consumers to educational resources.
We do not: negotiate with creditors on behalf of consumers; provide debt settlement, debt consolidation, or debt management services directly; issue loans, extend credit, or hold consumer funds; provide legal representation in any legal or regulatory proceeding; make decisions about creditworthiness or loan eligibility; or guarantee enrollment with any specific provider or program.
The services ultimately provided to any consumer are delivered entirely by the third-party providers they are connected with, under separate agreements between the consumer and those providers. One Debt Solution is not a party to those agreements and assumes no responsibility for the services, outcomes, or conduct of third-party providers.
Nothing on this website, in any communication from One Debt Solution, or in any content published by One Debt Solution constitutes legal advice or creates an attorney-client relationship. One Debt Solution does not employ licensed attorneys in a capacity that creates any advisory relationship with consumers.
If you have questions of a legal nature, including questions about creditor rights, debt collection laws, bankruptcy eligibility, IRS disputes, or any other legal matter, we strongly encourage you to consult a licensed attorney in your state who specializes in the relevant area of law.
Nothing on this website constitutes personalized financial advice. One Debt Solution does not employ licensed financial advisors, certified financial planners, certified public accountants, enrolled agents, or other licensed financial professionals in a capacity that creates any advisory relationship with consumers.
The content on our website is for general informational purposes only. It does not take into account your individual financial situation, goals, risk tolerance, tax position, or other personal circumstances.
Before making any significant financial decision, including enrolling in a debt relief program, filing for bankruptcy, or making large financial transactions, we strongly encourage you to consult with a qualified and licensed financial professional.
The following disclosures are required by the Federal Trade Commission's (FTC) Telemarketing Sales Rule (TSR) for companies marketing debt relief services:
One Debt Solution does not charge consumers any upfront fees for use of our platform or matching service. Our service is provided free of charge to consumers. Fees charged by third-party providers to whom we refer consumers are separate from our service and are governed by the terms of the consumer's agreement with those providers.
We do not guarantee that any consumer will be able to settle, reduce, renegotiate, or otherwise resolve their debt through any program or provider connected through our platform. Debt relief outcomes are determined by individual creditors and are not within the control of One Debt Solution or, in many cases, the providers we connect consumers with.
We do not guarantee that any debt relief program will improve or maintain a consumer's credit score. Debt relief programs may have a negative impact on credit scores. See Section 6 below for full credit score disclosure.
Not all consumers who enroll in debt relief programs complete them. Consumers who do not complete programs may not achieve the outcomes described in program marketing materials or in testimonials on this website.
Debt relief programs typically take between 24 and 48 months to complete. Individual program duration depends on the total amount of debt enrolled, the number of creditors involved, and the consumer's ability to make consistent program payments.
Participating in a debt settlement program may have a significant negative impact on your credit score. This impact typically occurs because:
The severity and duration of the credit score impact varies based on your starting credit score, the number of accounts enrolled, the length of the program, and how your individual creditors report to credit bureaus. Debt settlement is generally most appropriate for consumers who are already experiencing significant financial hardship. If maintaining a good credit score is a primary concern, you should carefully consider all available options, including debt consolidation loans and nonprofit credit counseling, before enrolling in a debt settlement program.
Under the Internal Revenue Code, forgiven or cancelled debt is generally considered taxable income in the year it is forgiven. If a creditor agrees to settle your debt for less than the full amount owed, the forgiven portion may be reported to the IRS on a Form 1099-C, and you may owe federal and state income taxes on that amount.
There are exceptions to this rule, including the insolvency exception, which may apply if your total liabilities exceeded your total assets at the time the debt was forgiven. However, the applicability of any exception depends on your individual financial circumstances and must be evaluated by a qualified tax professional.
One Debt Solution strongly encourages all consumers to consult with a licensed tax professional or certified public accountant before enrolling in any debt settlement program to fully understand the potential tax consequences of debt forgiveness.
Debt relief services are regulated at the state level, and the laws governing debt settlement companies, credit counselors, and related services vary significantly by state. Some states require debt relief companies to be licensed, bonded, or registered before offering services to residents.
One Debt Solution operates as a marketing and referral platform and does not itself provide debt settlement services that require state licensing. However, the third-party providers we connect consumers with may be subject to state licensing requirements in your state.
We do not represent that all third-party providers in our network are licensed in every state where they operate. We encourage consumers to independently verify the licensing status of any provider they engage with through their state's attorney general office or consumer protection division.
Services available through our platform may not be available in all states. Availability varies based on state law and the providers active in our network.
One Debt Solution is an advertising-supported platform. We receive financial compensation from the third-party providers and marketing partners in our network. This compensation is the source of our revenue and allows us to provide our matching service at no direct cost to consumers.
This compensation may create a conflict of interest in that: we may be more likely to present providers who compensate us at higher rates; the order in which providers are presented to consumers may be influenced by compensation levels; and we may not present all available debt relief options, only those from providers in our current partner network.
We disclose this conflict in the interest of full transparency. For full details on our compensation model, please see our Advertising Disclosure.
The third-party debt relief providers connected through One Debt Solution's platform are independent companies operating under their own licenses, terms, and business models. One Debt Solution does not control, supervise, or guarantee the services, conduct, or outcomes of any partner provider.
Your relationship with any provider you engage with through our platform is governed solely by the terms and agreements you enter into directly with that provider. One Debt Solution is not a party to those agreements and assumes no responsibility for any provider's services, conduct, fees, representations, or results.
Before enrolling in any program with a third-party provider, we strongly encourage you to:
Testimonials, case studies, and statistics referenced on onedebtsolution.com reflect the individual experiences of specific consumers and do not constitute a representation that any other consumer will achieve similar results.
Debt relief outcomes vary significantly based on the type and amount of debt enrolled, the specific creditors involved, the consumer's financial situation, and many other factors outside of our control. The results described in any testimonial or case study on this site are not typical and should not be interpreted as average or expected outcomes.
Statistics referenced on this site, including the number of Americans helped and total debt negotiated, represent aggregate figures across our partner network and are updated periodically. These figures do not guarantee similar outcomes for new consumers.
The content published on onedebtsolution.com, including articles, guides, FAQs, blog posts, and educational materials, is provided for general informational purposes only. While we strive to ensure accuracy, we make no warranty that our content is current, complete, accurate, or free from error.
Debt relief laws, IRS programs, credit reporting regulations, and financial industry practices change frequently. Content on this site may not reflect the most recent legal or regulatory developments. Always verify critical information with a qualified professional before acting on it.
As a consumer seeking debt relief services, you have important rights under federal and state law, including:
If you have a complaint about One Debt Solution or about a provider you were connected with through our platform, please contact us first:
Email: partners@onedebtsolution.com
Mail: 5900 Balcones Drive STE 100, Austin, Texas, 78731, USA
We take consumer complaints seriously and will respond within five business days. If your complaint is about a third-party provider, we will assist in escalating your concern to the appropriate party.
You may also file complaints directly with:
One Debt Solution's marketing and referral activities are subject to oversight by the following regulatory bodies:
We are committed to full compliance with all applicable federal and state laws and regulations governing our activities.
For questions about this Legal Disclosure or any other legal matter relating to One Debt Solution, please contact us:
Email: partners@onedebtsolution.com
Mail: 5900 Balcones Drive STE 100, Austin, Texas, 78731, USA
Website: onedebtsolution.com/contact
This Legal Disclosure is incorporated by reference into our Terms and Conditions, Privacy Policy, and Advertising Disclosure. Together, these documents constitute the complete legal framework governing your use of the One Debt Solution website and services.