HelpForDebtors.com (“HFD” or “we”) encourages an open exchange of information and ideas. But, if you become a nuisance while using these forums, we reserve the right (but assume no obligation) to remove your posts and/or comment(s) and/or ban you from this forum.

Offending posts and/or comments include, but are not limited to those that are:

• potentially libelous (slanderous);
• defamatory, abusive, obscene, racist, or otherwise hateful;
• pointless, excessively foul and/or vulgar language;
• inappropriately sexual;
• baseless personal attacks or otherwise threatening;
• illegal material or material that infringes on the rights of others;
• commercial postings attempting to sell a product/item;
• personal or business URLs that could be viewed as an attempt to solicit business;
• or any other material that infringes on the ability of others to enjoy our forums.

By participating in our forum, you expressly agree not post such material.  Posts and/or comments that are off-topic and are borderline removable may be removed; posts and/or comments that are on-topic will be given more latitude.  However, we have the absolute final say in such matters.  In addition, HFD undertakes no affirmative duty whatsoever to actively monitor the forums and/or remove any content or posts.

By participating in our forums, you agree not to have multiple personalities or avatars on our boards.  Each reader may have only one log-in/screen name.  If you want to change your screen name, please e-mail HFD using our contact form. [1] Usage of multiple screen names may result in our removing your posting privileges under any screen name.  We also reserve the right to pull postings from screen names which themselves might be considered objectionable or insulting to another person.

Also, you agree not to impersonate someone else.  It's perfectly fine with us for you not to use your real name as your message board handle.  But under no circumstances are you to knowingly use the name, identity or screen name of another person, whether that is another user on these particular forums, a public figure, celebrity, elected official, your sworn enemy, etc.

This also means that you will not knowingly give out any personal information of other individuals, including participants of these forums.

In our quest to provide diverse voices from the community and encourage an open dialogue, we assume as little control over comments as possible.  The opinions expressed on these forums and in reader-posted comments are not necessarily the opinions of HFD’s website or the National Financial Awareness Network, Inc.  

It is important to know that we cannot and DO NOT review every single comment on our forums. Please, avoid engaging in “flame wars” or other inappropriate online discussions. As a member of the HFD online community, please feel free to report violations of this User Agreement by using the HFD contact form. [2]

We do not endorse or guarantee the accuracy of any posting, regardless of whether the posting comes from an outside third-party or from a reader/user of this site.  Postings to the forum and information on the website should under no circumstances be relied upon as sound legal or financial advice.  If you need legal assistance or advice, you should contact an attorney licensed to practice law in your state. Responsibility for what is posted on our forums lies with the relevant participant alone.  You alone are responsible for the material you post.

We expect that you will not use our forums to violate anyone's rights in copyrights, trademarks, or other intellectual property.

By posting comments here, you are representing that you are the owner of the material, or are making your submission with the explicit consent of the owner.  Submitting material that is the property of another without the specific consent of its owner is not only a violation of this user agreement, but may also subject you to legal liability for infringement of copyright, trademark, or other intellectual property rights.

Please be aware that once you post a comment to this site, you will no longer have control over it.  We cannot feasibly manage requests for everything from a typo correction to removal of comments.  It is also possible that we may include your comment — in part or in its entirety — in one of our company’s publications and/or presentation.

By participating in our forums, you agree to abide by the terms of this agreement.

We expressly reserve the right to change this agreement at any time.

-HelpForDebtors.com