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Debt Settlement:
A Key Alternative to Bankruptcy

Let's move from making plans to Taking action

Manage communications with your creditors
Provide expert legal strategy if you get sued by a creditor
Advise you to reject an offer that is not in your interest
Advise you when to accept a highly-beneficial offer
Never charge exorbitant fees for our services

877-619-3999

GET STARTED TODAY

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We take your privacy seriously. By clicking "SUBMIT" I consent and agree by electronic signature to be contacted for credit-related offers by Debt Here and up to four participating partners by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by auto dialer, regardless of being on a state and/or federal Do Not Call List and by email. For SMS campaigns, Data & Msg. rates may apply. Text HELP for Help and STOP to opt-out ( Privacy Policy and Terms of Use ). Terms & Conditions / Privacy Policy Consent is not required to use this service.

Accessory’s Mission

Debthere Settlement consists of hard-working people on a mission to help others face their debt. We are proud to have resolved debts for thousands of clients and stay true to our mission.

Credit Card Debt Relief

Are you looking for credit card debt relief? There are a number of ways to manage your credit card debt when you’re facing financial hardship. Debthere is a structured program designed to negotiate lower interest rates and payments with your creditors.

Debt Management

Debt elimination, debt counseling, debt consolidation, debt negotiations, and debt management all seem to mean the same thing: Get Rid of Debt. However, they can vary widely in their meaning and method. We have worked in business debt relief since 2022. We know how to help you, and our experienced staff always ready to fight for your Debt Management— no matter how difficult or even the time of day.

Awesome Reviews

Aleksandr Filimonov

I had a great experience with Debthere. The most professional company I expect to find. They always made time to explain in great detail every step of the process.

Elroy Fernandes

It was great working with Debthere, firm they made this hard process much easier, very trustworthy. I recommend them 100%. Thank you, Debthere!

Andrew Witty

Debthere, helped me get a handle of a massive amount of credit card debt and reduced my interest rate by at least half! Customer service is very friendly and I highly recommend this place.

In accordance with AB 375 (California Consumer Protection Act of 2018), you have the right to:

Know what personal information is being collected;
Know whether your personal information has been sold and to whom—
including the categories and specific pieces of personal information the
business has collected;
Say no to the sale of your personal information (1798.120(a);
Access your personal information;
Receive equal service and price even if you exercise your privacy rights.

Your Rights

Deletion Requests Rights

Pursuant to 1798.105(a) you have the right to request that we delete any personal information that we have collected about you.

Pursuant to [1798.105 (d)(1)-(9)] we may deny your deletion request
if retaining the information is necessary for us, or our service
providers to:

Complete the transaction for which we collected the personal
information, provide a good or service that you requested, take actions
reasonably anticipated within the context of our ongoing business
relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive,
fraudulent, or illegal activity, or prosecute those responsible for such
activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to
exercise their free speech rights, or exercise another right provided
for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § seq.).
Engage in public or peer-reviewed scientific, historical, or
statistical research in the public interest that adheres to all other
applicable ethics and privacy laws, when the information’s deletion may
likely render impossible or seriously impair the research’s achievement,
if you previously provided informed consent.
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Access to Specific Information and Data Portability Rights

Pursuant to 1798.110(a)(1)-(5) you have the right to request that a
business that collects personal information about you disclose to you
the following:

The categories of personal information it has collected about you.
The categories of sources from which the personal information is collected.
The business or commercial purpose for collecting or selling personal information.
The categories of third parties with whom your personal information is shared.
The specific pieces of personal information that have been collected about you.

Pursuant to 1798.115(a)(1)-(3) you have the right to request that a
business that sells your personal information, or that discloses it for a
business purpose, disclose to you the following:

The categories of personal information that the business collected about you.
The categories of personal information that the business sold about
you and the categories of third parties to whom your personal
information was sold, by category or categories of personal information
for each third party to whom your personal information was sold.
The categories of personal information that the we disclosed about you for a business purpose

Pursuant to 1798.120 California residents also have the right, at any
time, to direct a business that sells personal information about the
consumer, to third parties, not to sell the consumer’s personal
information. This right is referred to as the right to opt out. Please
go to our “Do not sell my personal information” page to opt-out of having your personal information sold.

Non-Discrimination Rights

Pursuant to 1798.125(a)(1)(A)-(D) a business shall not discriminate
against you because you exercised any of your rights under this title,
including, but not limited to, by:

Denying you of goods or services.
Charging different prices or rates for goods or services, including
through the use of discounts or other benefits or imposing penalties.
Providing a different level or quality of goods or services to you, if you exercise your rights under this title.
Suggesting that you will receive a different price or rate for goods
or services or a different level or quality of goods or services.

Information We Collect

We collect information that identifies, relates to, describes,
references, is capable of being associated with, or could reasonably be
linked, directly or indirectly, with a particular consumer or device
(“personal information”). In particular, we have collected the following
categories of personal information from consumers within the last
twelve (12) months:

Category	Examples	Collected
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.	YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	YES
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	YES
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	NO
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	NO
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.	YES
G. Geolocation data.	Physical location or movements.	YES
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	NO
I. Professional or employment-related information.	Current or past job history or performance evaluations.	YES
J. Non-public education information (per the Family Educational Rights and Privacy Act)	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
K. Inferences drawn from other personal information.	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	YES

Personal information does not include:

Publicly available information from government records.
De-identified or aggregated consumer information.
Information excluded from the CCPA’s scope, like:
- health or medical information covered by the Health Insurance
  Portability and Accountability Act of 1996 (HIPAA) and the California
  Confidentiality of Medical Information Act (CMIA) or clinical trial
  data;
- personal information covered by certain sector-specific privacy
  laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-
  Bliley Act (GLBA) or California Financial Information Privacy Act
  (FIPA), and the Driver’s Privacy Protection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

Directly and indirectly from activity on our website(s). For
example, from consumers submitting forms on our websites or website
usage details collected automatically.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

To provide you with information, products or services that you request from us.
To provide you with email alerts, and/or SMS messages that may
interest you—providing that you opted in to receive those messages while
using our website(s).
To improve our website and present its contents to you.
As necessary or appropriate to protect the rights, property or safety of us, our clients, or others.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring,
reorganization, dissolution, or other sale or transfer of some or all of
our assets, whether as a going concern or as part of bankruptcy,
liquidation, or similar proceeding, in which personal information held
by us is among the assets transferred.

We will not collect additional categories of personal information or
use the personal information we collected for materially different,
unrelated, or incompatible purposes without providing you notice.

Disclosing/Sharing Personal Information

We may share and/or sell information that we collect about you in
many ways and for numerous different purposes—for which we may be
compensated—including the following.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A: Identifiers.

Category B: California Customer Records personal information categories.

Category C: Protected classification characteristics under California or federal law.

Category I: Professional or employment-related information.

We disclose your personal information for a business purpose to the following categories of third parties:

With our vendors that assist us with delivery of email and/or SMS messaging
With one or more vendors who provide independent verification of consent, including verification of consent under TCPA;
Third parties to whom you or your agents authorize us to disclose
your personal information in connection with products or services we
provide to you;
Third party vendors that assist us in storing and/or processing of your data;
Third party vendors that assist us in identifying site issues, observing user behavior, and tracking page performance.

In the preceding twelve (12) months, we have sold the following categories of consumers’ personal information:

Category A: Identifiers.

Category B: California Customer Records personal information categories.

Category C: Protected classification characteristics under California or federal law.

Category I: Professional or employment-related information.

We have sold consumers’ personal information for a business purpose to the following categories of third parties:

Our affiliates and/or other;
Third parties to whom you or your agents authorize us to disclose
your personal information in connection with products or services we
provide to you.

Exercising Access, Data Portability, and Deletion Rights

Contact Information

If you have any questions or comments about this notice, our Privacy
Statement, the ways in which we collect and use your personal
information, your choices and rights regarding such use, or wish to
exercise your rights under California law, please do not hesitate to
contact us. Only you or a person registered with the California
Secretary of State that you authorize to act on your behalf, may make a
verifiable consumer request related to your personal information. You
may also make a verifiable consumer request on behalf of your minor
child. You can submit a verified request by either:

Calling us at: 561-203-9748
Emailing us at: info@refiapply.com (please write CCPA Request in the subject line)
Submiting request at:https://refiapply.com/ccpa-form/

Response Timing and Format

After receiving a verified request we will deliver the information to
you within 45 days. In certain instances where it is reasonably
necessary, it could take up to 90 days. In those instances you will be
notified within the first 45 days of our intent to use the 45-day
extension as set forth in 1798.130(a)(2)

You may only make a verifiable consumer request for access or data
portability twice within a 12-month period. The verifiable consumer
request must:

Provide sufficient information that allows us to reasonably verify
you are the person about whom we collected personal information or an
authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal
information if we cannot verify your identity or authority to make the
request and confirm the personal information relates to you. Making a
verifiable consumer request does not require you to create an account
with us. We will only use personal information provided in a verifiable
consumer request to verify the requestor’s identity or authority to make
the request.

Debt Settlement:A Key Alternative to Bankruptcy