Terms & Conditions

Effective Date: September 30, 2023

Company Address: 62 Walnut Ave, Unit 65457, Hampton VA 23665

Email Contact: [email protected]

Website: https://www.bankruptcybegone.com

Acknowledgment

By submitting payment or enrolling in any Bankruptcy Be Gone LLC service plan, you acknowledge that you have read, understood, and agree to all Terms & Conditions contained herein.

Scope of Service

Bankruptcy Be Gone LLC provides AI-assisted document preparation and administrative dispute support designed to help consumers identify and challenge inaccurate bankruptcy reporting with Experian, Equifax, and TransUnion.

We are not attorneys, do not provide legal or tax advice, and do not file bankruptcy petitions.

Our services are limited to documentation and credit-report dispute support under the Fair Credit Reporting Act (FCRA).

Service Packages & Pricing

Premium Chapter 7 Removal — $695

Enhanced Chapter 7 Removal w/ AU Boost — $995

VIP Chapter 7 Elite Package — $1,495

Each package includes varying levels of support and credit-rebuilding resources as described on our website.

Prices may change, but confirmed purchases lock the rate at the time of order.

Payment Plans

Clients may enroll using an approved payment plan:

50% deposit due at signup

Remaining balance split into two equal installments auto-billed through Stripe

If any payment fails or is canceled, service may pause until balance is restored.

Refund eligibility applies only after full payment has been received.

Refund Policy

If Bankruptcy Be Gone LLC cannot remove the bankruptcy after completing the full dispute process, the client is eligible for a full refund minus postage and administrative costs. A $9 deduction per certified letter sent will be applied to cover mailing expenses.

To qualify for a refund:

Client must provide all requested documentation.

Client must not file separate disputes with bureaus during our process.

Refund request must be emailed to [email protected].

Refunds are processed only after all dispute cycles are complete.

At the company’s discretion, goodwill refunds may be issued to maintain reputation or customer satisfaction.

Estimated Timelines

Average completion: 6 – 12 months, depending on bureau response times, regulatory backlog, and client cooperation.

No fixed completion date is guaranteed.

Authorized User Tradelines & Partners

Some plans include authorized-user (AU) tradelines through our partner HopOnMyCreditCard.com.

Availability, pricing, and posting times are managed independently by that provider.

Adding AU tradelines does not guarantee a specific credit-score increase.

Results Disclaimer

Results vary per individual credit file.

We do not guarantee removal of all negative items, specific score increases, loan approvals, or

financial outcomes.

Client Responsibilities

Clients agree to:

Provide accurate, truthful information.

Respond promptly to document requests.

Avoid duplicate disputes with bureaus.

Keep contact information current.

Failure to cooperate may delay results or void refund eligibility.

No Legal Advice & No Attorney-Client Relationship

All information provided by Bankruptcy Be Gone LLC is for educational purposes only and should not be interpreted as legal advice. If legal counsel is needed, clients should consult a licensed attorney.

Limitation of Liability

Bankruptcy Be Gone LLC, its owners, employees, and affiliates are not liable for any indirect, incidental, consequential, or punitive damages, including lost income or opportunities. Total liability shall never exceed the amount the client paid for services.

Waiver of Class Action & Jury Trial

By purchasing any service, the client waives the right to:

Participate in any class or collective action;

Pursue punitive damages;

A trial by jury.

All disputes shall be resolved exclusively through binding arbitration as detailed below.

Arbitration Agreement

Any dispute, claim, or controversy arising from these Terms or services shall be resolved solely through binding arbitration in Hampton, Virginia, under the rules of the American Arbitration Association.

Each party bears its own costs unless otherwise decided by the arbitrator. Judgment on the arbitration award may be entered in any court of competent jurisdiction. No small-claims or jury proceedings are permitted.

Communication Consent

By using our services, you consent to receive communications via email regarding updates, requests, and notices.

You may unsubscribe from promotional emails at any time.

Confidentiality & Data Security

All client information is confidential, encrypted, and used only for credit-dispute processing.

We never share or sell personal data.

Governing Law

This Agreement and all disputes hereunder shall be governed by and construed under the laws of the Commonwealth of Virginia.

Modification of Terms

Bankruptcy Be Gone LLC may update these Terms & Conditions at any time.

Revisions take effect upon posting to our website.

Continued use of services constitutes acceptance of updated terms.

Client Acknowledgment

By ordering or paying for any service from Bankruptcy Be Gone LLC, you acknowledge and agree to these Terms & Conditions in full.