Rich’s Enterprises, LLC, which owns and operates Debt-n-Credit Letters.com, is not a debt collection company or a credit repair organization. 

Debt-n-Credit Letters.com is a self-help site that offers free information to help consumers become educated about their debt and credit rights. All information contained herein is designed specifically for consumers who through their own efforts wish to better understand the debt collection process and how to properly dispute debts and credit issues. 

Legal information is NOT the same as legal advice. 

CAUTION: The use of any information contained herein, including letters, instructions, scripts, opinions, suggestions, advice, and other similar content including the downloadable eGuide are at the user’s own risk. You are strongly encouraged to consult with legal and financial professionals prior to making any decision that could have legal or financial consequences to you. 

The information provided on Debt-n-Credit Letters is provided for educational and informational purposes only and/or any advice or comments made by any agent or employee of Rich’s Enterprises, LLC. are intended only to educate and assist visitors in their own self-help efforts when dealing with debt and credit management issues. 

Access to this web site and all information contained herein is free with the understanding that the authors and publishers are not engaged in rendering legal or financial advice or providing credit repair services. As such, the information provided on this site should not be used as a substitute for professional counseling and advice from certified legal or financial professionals.

While we have made every attempt to ensure the information contained in this web site is accurate and from reliable sources, we are not responsible for any errors or omissions, or for the results obtained from the use of this information.