Our disclosure
Friendly Debt Relief, a division of First Mover, LLC, is a marketing service that connects qualifying consumers with licensed third-party debt relief providers. We are compensated by those providers when we refer a qualified consumer who enrolls in their program.
This disclosure is provided in accordance with the Federal Trade Commission's Endorsement Guides (16 C.F.R. Part 255) and related guidance on affiliate relationships.
How our compensation works
When a consumer completes our eligibility check and we match them with a provider in our network, the provider may pay us a referral fee if the consumer enrolls in the provider's program. The fee is paid by the provider, not by the consumer. The consumer pays nothing to Friendly Debt Relief, before, during, or after enrollment.
Referral fees vary by provider. Some providers pay a flat fee per enrolled consumer. Others pay a percentage of the consumer's enrolled debt amount. Fee arrangements are confidential commercial terms and are not disclosed on a provider-by-provider basis.
How compensation affects recommendations
We match consumers with providers based on state eligibility, debt profile, and program fit, not based on which provider pays us the highest referral fee. We believe long-term relationships with consumers and providers depend on accurate matching, not on maximizing individual referral payouts.
We do not accept providers into our network who charge upfront fees, lack required state licensing, or fail our vetting process. We do not receive compensation for displaying any provider's information on our site independent of an actual consumer enrollment.
Providers in our network
Our network of providers changes as we onboard new partners and as state regulations evolve. Providers are screened for Better Business Bureau accreditation or application, Association for Consumer Debt Relief (ACDR) membership or equivalent, state licensing where required, and publicly available customer reviews.
Editorial independence
Our editorial content, including articles, FAQ entries, and explanatory pages, is produced independently of any individual provider's compensation. See our Editorial Policy for details on how we maintain content integrity.
Questions
Questions about our compensation model or advertiser relationships can be directed to support@friendlydebtrelief.loans.