Visitor Information & Disclaimers
The content provided by Hardship Department LLC, including contributions from our team, affiliates, writers, and partners (referred to as “we,” “us,” or “our”) on Hardship180.com (“the Site”) is intended for general informational purposes only. While we strive to provide accurate and timely information, all content is offered in good faith and without warranties of any kind—express or implied—regarding accuracy, completeness, availability, or reliability.
Use of this Site and any reliance on its content is at your own risk.
We assume no liability for any loss or damage arising directly or indirectly from your use of or reliance on any information presented on the Site.
Third-Party Links
Our Site may include links to external websites, content, or features provided by third parties, including banner ads and other promotional content. These links are not reviewed or endorsed by Hardship Department LLC. We make no guarantees as to their accuracy, reliability, or security, and we are not responsible for any interactions, transactions, or outcomes resulting from engagement with third-party websites or services.
Call Monitoring Notice
Please be aware that all calls with Hardship Department LLC may be recorded or monitored for quality assurance and training purposes.
Program Disclosures
Clients who successfully complete the program and settle all enrolled debts may experience estimated savings of approximately 46% before fees, or around 25% after fees, over a period of 24 to 48 months. These results are based on enrolled debts and may vary widely depending on individual circumstances.
Please note:
- Not all debts are eligible for enrollment
- Results are not guaranteed
- Not all clients complete the program due to varying personal and financial factors
- We do not assume your debts, make payments to creditors, or provide tax, legal, accounting, bankruptcy, or credit repair services
Our services are not available in all states. Consult a tax professional for guidance on potential tax consequences related to debt settlement. For bankruptcy-related questions, please consult with a qualified attorney. We may be able to refer you to a local tax or bankruptcy professional depending on your location.
We strongly encourage you to read and understand all program materials before enrolling. Participation may affect your credit score and overall credit profile.