⚠️ Disclaimers and Compliance Disclosures

Please read these disclaimers and disclosures carefully before using any services offered by Prosperity Solutions Company. These disclosures ensure compliance with the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and other applicable regulations.

1️⃣ Not a Credit Repair Company

Prosperity Solutions is a document preparation service only. We do not provide credit repair services, guarantee credit improvement, or remove accurate information from your credit report. You have the right to dispute inaccurate information on your credit report directly with credit bureaus at no cost under the FCRA (15 U.S.C. § 1681i).

2️⃣ Not a Law Firm

Prosperity Solutions is not a law firm and does not provide legal advice or representation. If you require legal advice, consult a licensed attorney.

3️⃣ Document Preparation Services Only

We prepare and mail documents, such as debt validation letters, credit bureau dispute letters, student loan filings, utility dispute letters, and court response documents, based solely on the information you provide. We do not negotiate with creditors, credit bureaus, or third parties on your behalf.

4️⃣ No Guaranteed Outcomes

Results of any documents prepared by Prosperity Solutions depend on decisions by credit bureaus, creditors, or courts and are not guaranteed. We do not promise debt elimination, debt reduction, or credit score improvements.

5️⃣ Court Filing Support

If you are sued by a creditor, we may prepare response documents for filing through a third-party service using standardized templates. This is not legal representation and is not performed by attorneys affiliated with Prosperity Solutions.

6️⃣ Arbitration Guidance

Where applicable, we may include arbitration clauses in prepared documents. We do not guarantee the enforceability of arbitration clauses and are not responsible for outcomes in arbitration or court proceedings.

7️⃣ Testimonials Are Not Typical

All testimonials are from real clients but are not typical. Individual results vary, and no credit improvement or debt elimination is guaranteed.

8️⃣ Client Responsibility

You are responsible for providing accurate and complete information for all documents. Prosperity Solutions is not responsible for outcomes resulting from inaccurate or incomplete information.

9️⃣ Consumer Rights Under Federal Law

You have the right to:

• Dispute inaccurate information on your credit report directly with credit bureaus at no cost (FCRA, 15 U.S.C. § 1681i).

• Cancel any agreement with Prosperity Solutions within 3 business days without penalty (CROA, 15 U.S.C. § 1679b).

• Request debt validation from creditors under the FDCPA (15 U.S.C. § 1692g).

• Request income-based repayment plans through federal student loan servicers (U.S. Department of Education programs)

• Receive protection under the Electronic Funds Transfer Act and federal student aid laws if applicable

🔟 Authorization

By engaging our services, you authorize Prosperity Solutions to prepare and mail documents on your behalf using your name and return address.

For more information on your rights, visit:

• Consumer Financial Protection Bureau (CFPB)

• Federal Trade Commission (FTC)