Last updated: 2026
Your Debt Advocate is not a law firm and does not provide legal advice or legal services. Nothing on this website should be interpreted as legal advice for any specific situation.
Information on this website is for general consumer education only. Consumer debt situations are case-specific and depend on the consumer's debts, income, state, and individual circumstances. For legal advice on a specific situation, consult a licensed attorney in your state. The National Association of Consumer Advocates (NACA.net) maintains a directory of consumer protection attorneys, many of whom take cases on contingency.
Your Debt Advocate is not a debt collection agency. We do not collect debts on behalf of any creditor. We do not buy or own debt portfolios.
Your Debt Advocate is not a credit repair organization. We do not promise to "fix" credit scores, remove accurate negative items from credit reports, or guarantee any specific credit outcome.
The content on this website — including articles, frequently asked questions, comparisons, and other materials — is provided for general consumer education and informational purposes. While we make reasonable efforts to ensure information is accurate and current as of the date of publication, laws, regulations, industry practices, and case outcomes change. We make no warranty that any specific information on this site is current, complete, or applicable to any individual reader's situation.
Where statistics, case citations, and regulatory references appear in our content, we cite the source. Readers relying on specific information for important decisions should verify current authoritative sources or consult qualified counsel.
By submitting your information through the Free Debt Relief Assessment form or any other contact form on this website, you consent to be contacted at the phone number(s) and email address(es) you provide regarding your debt situation. You acknowledge and agree that:
You may revoke this consent at any time by replying "STOP" to any text message, by clicking the "unsubscribe" link in any email, or by notifying us in writing at the mailing address below.
The Free Debt Relief Assessment and the senior debt specialist services connected through this website are not available to residents of the following states:
Residents of these three states may continue to use the educational content on this website but cannot be matched to enrollment through our partner network. For consumers in these states seeking debt resolution options, we recommend consulting a state-licensed consumer protection attorney or bankruptcy attorney directly.
Your Debt Advocate makes no promises or guarantees about specific outcomes. Every consumer's debt situation is different. Specific results depend on the consumer's debts, income, creditors, state of residence, and individual circumstances.
Where the Free Debt Relief Assessment connects a consumer with a senior debt specialist, the senior specialist's role is to provide professional debt resolution services. The senior specialist does not guarantee:
Average outcomes vary. Individual outcomes vary more.
Debt resolution programs typically run 24 to 48 months. Specific case timing depends on debt amount, monthly settlement-savings capacity, creditor responsiveness, and other factors. Faster outcomes are possible. Longer timelines are also possible.
Senior debt specialists connected through Your Debt Advocate operate in compliance with the Federal Trade Commission's Telemarketing Sales Rule (16 C.F.R. Part 310), which prohibits charging upfront fees on telemarketed debt relief services before delivering at least one settlement. Specialist fees are paid as settlements close, not in advance.
Settlement savings are held in accounts in the consumer's name, FDIC-insured, and under the consumer's control. Senior specialists do not take possession of consumer funds.
Forgiven amounts of $600 or more on consumer debt may be reported by the creditor on Internal Revenue Service Form 1099-C. The IRS treats forgiven debt as potentially taxable income, subject to specific exclusions including the insolvency exclusion under Internal Revenue Code Section 108.
Your Debt Advocate is not a tax preparer. For tax-specific advice, consult a qualified tax professional. The insolvency exclusion is claimed by filing IRS Form 982 with the consumer's tax return for the year of the discharge.
Your Debt Advocate
435 Merchant Walk Square, Ste 300-616
Charlottesville, VA 22902
For consumer questions, compliance correspondence, opt-out requests, or any other matters, contact us at the mailing address above.
These disclaimers may be updated periodically to reflect changes in law, our business operations, or industry standards. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of this website after updates constitutes acceptance of the revised disclaimers.
For specific questions about your debt situation, take the Free Debt Relief Assessment. A senior specialist will review your numbers and walk you through what realistic resolution options look like for your circumstances. No cost. No obligation.