TERMS AND CONDITIONS
Solid Ground Help
Effective Date: September 25, 2026
Last Updated: September 25, 2026
---
1. ABOUT SOLID GROUND HELP
Solid Ground Help ("we," "us," or "our") is a federally recognized
501(c)(3) nonprofit credit counseling agency. We are approved and
licensed by the U.S. Department of Justice, Executive Office for
United States Trustees (EOUST), Agency No. 1125-CC-02422R, to provide
credit counseling services.
EIN: 85-1214291
Address: 4000 Hollywood Blvd, Suite 635S, Hollywood, FL 33021
Website: www.solidgroundhelp.com
Email: [email protected]
---
2. SERVICES OFFERED
Solid Ground Help provides nonprofit credit counseling, debt
management education, telephone counseling consultations, and
financial literacy services. We do not provide loans, legal advice, or
bankruptcy filing services.
Services include but are not limited to:
- Telephone and online credit counseling consultations
- Payday loan debt consolidation assistance
- Debt management program (DMP) referrals and enrollment
- Bankruptcy pre-filing counseling (where licensed)
- Financial literacy education
---
3. FEES AND COST DISCLOSURES
No Upfront Fees: Solid Ground Help does not charge upfront fees for
initial consultations or counseling sessions.
Telephone Counseling Fees: Fees for telephone counseling sessions,
where applicable, are determined based on federal and state poverty
guidelines. Clients who meet federal poverty income thresholds may
qualify for reduced or waived fees.
Current Federal Poverty Guidelines:
https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines
Debt Management Program Fees: If you enroll in a debt management
program, monthly administration fees may apply. Fees vary by state and
individual circumstances and will be fully disclosed before
enrollment. No fee is charged without your express written consent.
---
4. INTEREST RATE (APR) DISCLOSURE
Solid Ground Help does not lend money and does not set interest rates.
We do not charge interest on any service.
If you enroll in a debt management program, we may work with your
creditors on your behalf. Negotiated creditor interest rates through a
debt management program typically range from 0% to 9.9% APR, depending
on the creditor, account type, and individual circumstances. Not all
creditors participate, and rate reductions are not guaranteed.
---
5. REPAYMENT PERIOD DISCLOSURE
Program lengths vary based on total enrolled debt, creditor
participation, your monthly budget, and the terms of any program for
which you qualify.
Estimated program duration: 18 to 60 months.
A credit counselor will provide you with an estimated timeline
specific to your situation before you enroll in any program.
---
6. REPRESENTATIVE COST EXAMPLE
The following is a general example for illustrative purposes only.
Individual results will vary.
Example: A client with ,000 in payday loan or unsecured debt enrolled
in a 36-month debt management program at a negotiated creditor rate of
6% APR would make estimated monthly payments of approximately 52, for
an estimated total repayment of approximately ,472 including any
applicable monthly administration fees.
This example is not a guarantee of results, payment amounts, interest
rates, or program availability. Actual terms depend on your individual
financial situation, creditor participation, and program eligibility.
---
7. NO GUARANTEE OF RESULTS
Solid Ground Help makes no guarantee of any specific financial
outcome. Results depend on each client's unique financial situation,
creditor cooperation, program compliance, and other individual
factors.
No specific interest rate reduction, fee waiver, debt settlement,
credit score improvement, or creditor response is guaranteed. Debt
relief options may have tax implications. Consult a qualified tax
professional for advice specific to your situation.
---
8. CREDIT IMPACT DISCLOSURE
Enrolling in a debt management program may affect your credit profile.
During the program, creditors may close or restrict your accounts.
These changes may be reflected in your credit report. The impact on
your credit score depends on your overall credit profile, payment
history, and other factors.
Before enrolling, ask your counselor how the specific program may
affect your accounts and credit reporting.
---
9. ELIGIBILITY
Services are available to individuals who meet program eligibility
requirements. Eligibility for specific programs depends on the type
and amount of debt, creditor participation, income, and state of
residence. Not all programs are available in all states.
Solid Ground Help is currently licensed to provide services in the
following jurisdictions as approved by the EOUST: AK, AZ, AR, CA, CO,
FL, and PA-E. Additional states may apply. Contact us for current
availability.
---
10. PRIVACY POLICY
We are committed to protecting your personal information. Information
collected through our website or counseling sessions is used solely to
provide services and comply with legal requirements. We do not sell or
share your personal information with third parties for marketing
purposes.
For questions about how your information is used, contact us at
[email protected].
---
11. SMS / TEXT COMMUNICATION CONSENT
By submitting a form on our website and providing your phone number,
you authorize Solid Ground Help to contact you by SMS/text message
regarding your inquiry and our services. Message and data rates may
apply. You may opt out at any time by replying STOP.
---
12. THIRD-PARTY SERVICES
Our website may contain links to third-party websites. Solid Ground
Help is not responsible for the content, accuracy, or practices of any
third-party sites. Links are provided for informational purposes only.
---
13. LIMITATION OF LIABILITY
To the fullest extent permitted by law, Solid Ground Help shall not be
liable for any indirect, incidental, consequential, or punitive
damages arising from your use of our services or website. Our total
liability for any claim shall not exceed the fees paid by you for the
specific service giving rise to the claim.
---
14. GOVERNING LAW
These Terms and Conditions are governed by the laws of the State of
Florida. Any disputes arising under these terms shall be resolved in
the courts of Broward County, Florida.
---
15. CHANGES TO THESE TERMS
We reserve the right to update these Terms and Conditions at any time.
Changes will be posted on this page with an updated effective date.
Continued use of our services after changes are posted constitutes
your acceptance of the revised terms.
---
16. CONTACT US
Solid Ground Help
4000 Hollywood Blvd, Suite 635S
Hollywood, FL 33021
Email: [email protected]
Website: www.solidgroundhelp.com
Solid Ground Help is a nonprofit 501(c)(3) organization. EIN:
85-1214291. DOJ/EOUST Credit Counseling License No. 1125-CC-02422R.