Important Disclaimer

No Guarantees of Specific Results

IMPORTANT: Reddington Global Debt Relief (RG Debt Relief) cannot and does not guarantee:

  • Specific debt reduction amounts or percentages
  • That all creditors will accept settlement offers
  • Elimination of all debt or specific timeframes
  • Prevention of lawsuits, garnishments, or collection activities
  • That you will qualify for any specific program

Results vary based on individual circumstances, creditor willingness to negotiate, program compliance, and other factors beyond our control.

Credit Score Impact

DEBT RELIEF PROGRAMS MAY NEGATIVELY IMPACT YOUR CREDIT SCORE

Enrolling in a debt relief or debt settlement program typically involves:

  • Stopping payments to creditors - This will result in late payment marks on your credit report
  • Account delinquency - Accounts may be reported as 30, 60, 90+ days past due
  • Settled accounts notation - "Settled for less than full balance" appears on credit reports
  • Collection accounts - Creditors may send accounts to collections or charge them off
  • Significant credit score decrease - Your credit score may drop substantially (100+ points)

Negative impacts can remain on your credit report for up to 7 years. Consider consulting with a financial advisor or credit counselor before enrolling.

Risks & Potential Consequences

Before enrolling in any debt relief program, understand these risks:

  • Lawsuits: Creditors may sue you for unpaid debts, resulting in judgments, wage garnishment, or bank account levies
  • Tax Consequences: Forgiven debt over $600 may be considered taxable income by the IRS
  • Collection Calls: You may receive increased calls and letters from creditors and collection agencies
  • Program Duration: Programs typically last 24-48 months; early withdrawal may result in fees
  • Not All Debts Qualify: Secured debts, student loans, tax debt, and some other debts cannot be settled
  • Creditor Refusal: Creditors are not obligated to negotiate or accept settlement offers

Fees & Program Costs

RG Debt Relief charges fees for our services, which may include:

  • Service Fees: Typically 15-25% of enrolled debt amount
  • Performance-Based Fees: Fees are charged only after a settlement is reached and you approve it
  • Account Maintenance Fees: Monthly fees for dedicated savings account management (varies by state)

All fees will be clearly disclosed before you enroll. You have the right to review and understand all costs before committing to any program.

We do not charge upfront fees before services are rendered (in compliance with FTC regulations).

Alternative Options

Debt settlement is not the only option. Consider these alternatives:

  • Credit Counseling: Non-profit agencies may offer free or low-cost counseling and debt management plans
  • Debt Consolidation Loans: Combine debts into a single loan with potentially lower interest rates
  • Balance Transfer Credit Cards: Transfer high-interest debt to cards with 0% introductory rates
  • Bankruptcy: May provide legal debt discharge protection (consult a bankruptcy attorney)
  • DIY Negotiation: Contact creditors directly to negotiate payment plans or settlements

Legal Notice

RG Debt Relief is not a lender, credit repair organization, or credit counseling service. We are a debt settlement company that negotiates with creditors on your behalf.

We are not attorneys and do not provide legal advice. If you face legal action, consult with a licensed attorney in your state.

Services may not be available in all states. Specific terms, conditions, and fees vary by state law.

By using our services, you acknowledge that you have read, understood, and agree to this disclaimer.

Questions or Concerns?

If you have questions about any of the information in this disclaimer, please contact us:

Phone: +1-949-841-2454

Email: debtsettlement@reddingtonglobal.com

Website: https://rgdebtrelief.com

Last Updated: January 28, 2026

This disclaimer is subject to change. Please review periodically for updates.