Advertising Disclosure

pivotdebt.com is operated by Pivot Debt LLC ("Pivot Debt," "we," "us," or "our") and is a for-profit advertising and referral website. We are compensated by the debt relief companies and other partners we refer you to, typically in the form of referral fees. The amount of that compensation, along with other factors, may affect which partner or offer you are presented with, and where and how it appears on this site.

Because compensation influences our matching, the offer you receive may come from the partner that pays the most for your inquiry rather than the partner with the best rates, fees, or terms for your situation. We do not always present you with the lowest-cost option, and this website does not include every debt relief company or every offer available in the market.

Pivot Debt is not a lender, credit broker, debt settlement company, or law firm. We do not negotiate with creditors, make credit decisions, or provide legal, tax, or financial advice. Any figures shown on this site (including example payoff timelines, savings, and monthly payments) are illustrations based on industry averages and are not a promise of results. Settlement outcomes, program fees, timelines, and credit impact vary, and not all debts qualify.

You are under no obligation to use this website, to speak with any partner, or to enroll in any program. We encourage you to research all available options — including credit counseling, debt consolidation, and bankruptcy — before deciding whether debt settlement is right for you.

Questions about this disclosure can be sent to privacy@pivotdebt.com.