Delancey Street is a debt-relief company, not a law firm. Our fee is a percentage of your total enrolled debt, disclosed in writing before you enroll. Settlement results vary and are not guaranteed. Disputes are resolved by arbitration in New York.
1. Acceptance of Terms
These Terms of Service ("Terms") are a binding agreement between you and Delancey Street Debt Relief, Inc. ("Delancey Street," "we," "us," or "our"). By accessing delanceystreet.com (the "Site"), submitting a consultation request, communicating with our team, or enrolling in any service offered by Delancey Street (collectively, the "Services"), you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site or our Services.
2. Eligibility
You must be at least 18 years old, a United States resident, and authorized to act on behalf of any business whose debts you are seeking to address. By using the Services, you represent and warrant that you meet these requirements and that all information you provide is true, accurate, and complete.
3. Nature of Services, Important Disclosures
Delancey Street is a private debt-relief company. Delancey Street is not a law firm, and your engagement with Delancey Street does not by itself create an attorney-client relationship with us. Where legal representation is necessary or appropriate, we may refer you to attorneys in our affiliated network; any attorney-client relationship that results is between you and that attorney directly.
Our Services consist primarily of negotiating with creditors on your behalf, structuring settlement programs, and providing administrative support. We do not provide tax, accounting, bankruptcy, or investment advice. You should consult independent professionals where appropriate.
In compliance with the FTC Telemarketing Sales Rule (16 C.F.R. § 310), Delancey Street does not collect any fee for debt-relief services until (a) we have renegotiated, settled, reduced, or otherwise altered the terms of at least one of your debts; (b) you have made at least one payment under that altered debt obligation; and (c) the fee is consistent with the proportion or percentage method permitted under the rule.
4. No Guarantee of Outcome
Settlement results vary based on creditor, debt type, balance, account history, your financial condition, and many other factors. We do not, and cannot, guarantee that your debts will be reduced by a specific amount or percentage, that any particular creditor will negotiate, that you will avoid lawsuits or judgments, or that you will become debt-free in any specific timeframe. Estimates and case studies on the Site reflect prior results and are not predictions of your outcome.
5. Your Responsibilities
When enrolled in any Service, you agree to:
- Provide accurate informationSubmit truthful and complete documentation, including bank statements, contracts, and correspondence with creditors.
- CooperateRespond promptly to requests from your case team for documents, signatures, or strategic decisions.
- Make program depositsFund your dedicated program account on schedule, where applicable.
- CommunicateNotify us of any new lawsuits, judgments, levies, or material changes to your business or financial condition.
- Forward creditor communicationsForward all collection calls, letters, and legal notices to us within 24 hours.
- Avoid new debtRefrain from incurring new merchant cash advances or business debt during the program without our consent.
6. Fees & Billing
Specific fees, payment schedules, and program terms are set forth in your individual Client Service Agreement. Our fee is calculated as a percentage of your total enrolled debt and disclosed in writing before enrollment. We do not charge upfront fees for debt-relief services beyond what is permitted by federal and state law. By enrolling, you authorize Delancey Street and its banking partners to debit your designated account for fees and program deposits as specified in your Agreement.
7. Credit Impact & Other Risks
Participation in a debt-settlement program may have adverse effects on your credit, including delinquency reporting and reductions in your credit score. Creditors may continue collection activity, file lawsuits, or report defaults during the program. Settled debts may be reported as "settled for less than full balance," which may negatively affect your credit profile. Forgiven debt of $600 or more may be treated as taxable income (Form 1099-C) under the Internal Revenue Code; consult your tax advisor.
You acknowledge that you have read, understood, and accepted these risks before enrolling.
8. Communications & Recording
By providing your phone number and email, you consent to receive calls, text messages, and emails from Delancey Street and its agents regarding your case, including via auto-dialer technology where applicable. Standard messaging rates may apply. You may opt out of marketing communications at any time by replying STOP to texts or unsubscribing from emails. Calls to and from Delancey Street may be recorded for quality assurance, training, and compliance purposes.
9. Intellectual Property
The Site and all content, including text, graphics, logos, software, the "Delancey Street" mark, and the "d:" symbol, are the property of Delancey Street Debt Relief, Inc. or its licensors and are protected by U.S. and international intellectual property laws. You may view and download Site content for personal, non-commercial reference only. You may not copy, modify, distribute, sell, or create derivative works without our written permission.
10. User Content
When you submit information, documents, testimonials, or other content to us, you grant Delancey Street a non-exclusive, royalty-free, worldwide license to use that content as necessary to provide the Services and, where you separately consent, to use anonymized testimonials and case studies in marketing materials.
11. Third-Party Links & Services
The Site may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of any third-party site, and we do not endorse them. Your use of third-party services is at your own risk and subject to those parties' terms.
12. Disclaimer of Warranties
THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, DELANCEY STREET DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
13. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DELANCEY STREET, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR IN CONNECTION WITH THE TERMS, THE SITE, OR THE SERVICES. OUR AGGREGATE LIABILITY UNDER THESE TERMS WILL NOT EXCEED THE FEES YOU PAID TO DELANCEY STREET IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
14. Indemnification
You agree to indemnify, defend, and hold harmless Delancey Street and its affiliates from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of your breach of these Terms, your misuse of the Services, your violation of law, or your violation of the rights of any third party.
15. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of New York, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Services will be resolved exclusively by binding arbitration in New York, NY administered by the American Arbitration Association under its Commercial Arbitration Rules, except that either party may seek injunctive relief in court for intellectual property infringement. YOU AND DELANCEY STREET WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. If arbitration is held to be unenforceable, the parties consent to exclusive jurisdiction in the state and federal courts located in New York County, New York.
16. Termination
You may terminate your engagement at any time, subject to the cancellation provisions in your Client Service Agreement. We may terminate or suspend your access to the Site or Services for any breach of these Terms or your Agreement, or for any conduct that we determine, in our sole discretion, to be unlawful or harmful. Provisions that by their nature should survive termination, including disclaimers, limitations of liability, indemnification, and dispute resolution, will survive.
17. Modifications
We may update these Terms from time to time. The "Last Updated" date below reflects the most recent changes. Material changes will be communicated via email or a prominent Site notice. Your continued use of the Site or Services after the effective date of changes constitutes acceptance of the updated Terms.
18. Severability & Entire Agreement
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force. These Terms, together with your Client Service Agreement and our Privacy Policy, constitute the entire agreement between you and Delancey Street regarding the Site and Services and supersede all prior agreements on those subjects.
19. Contact
Questions about these Terms? Contact us:
- Emaillegal@delanceystreet.com
- Phone212-210-1851
- MailDelancey Street Debt Relief, Inc., Attn: Legal Department, New York, NY
Last Updated: April 14, 2026 Back to top