Effective date: October 17, 2025
These Terms & Conditions ("Terms") govern your access to and use of services provided by MyCC LLC ("we", "us", "our"). By accessing or using any of our services (including our website, SMS/text services, and any customer communications), you agree to be bound by these Terms.
We are the nation's leading experts in negotiating reduced settlements on private student loans. We provide debt negotiation, counseling, and related communications (including SMS/text messages and email) as described on our site and in our service agreements.
By providing a mobile phone number and opting into SMS communications, you consent to receive text messages from MyCC LLC related to account updates, appointment reminders, confirmations, and promotional or transactional messages where permitted by law. Message frequency varies.
SMS Opt-Out: You can cancel the SMS service at any time. Simply text "STOP" to the shortcode. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.
Help: If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or contact us directly at andrew@mycreditcounselor.net.
Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for messages sent to you from us and to us from you. For questions about your text or data plan, contact your wireless provider.
By using our services you represent that you are at least 18 years old and have the right and authority to enter into these Terms.
Any fees for services will be set out in a separate service agreement or order form. Unless otherwise stated, all fees are non-refundable, due per the invoice schedule, and payable in U.S. dollars.
We make reasonable efforts to provide accurate and up-to-date information, but we do not guarantee outcomes of negotiations or make promises about specific debt settlement results. TO THE MAXIMUM EXTENT PERMITTED BY LAW, MYCC LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED.
IN NO EVENT WILL MYCC LLC BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO YOUR USE OF OUR SERVICES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE.
These Terms are governed by the laws of the State of Ohio, United States, without regard to conflict-of-law principles. Any dispute will first be addressed through good-faith negotiation. If unresolved, disputes will be resolved by binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by applicable law.
We may modify these Terms from time to time. If we make material changes, we will notify you by email or via a notice on our site prior to the change taking effect. Continued use of our services after changes constitutes acceptance of the modified Terms.
If you have questions about these Terms, please contact us at:
MyCC LLC
470 W Broad St
Columbus, Ohio, USA
Email: andrew@mycreditcounselor.net
Website: mycreditcounselor.net