Terms & Conditions

 

Last Updated: 5/20/2025

These Short Code Terms of Service (“Short Code Terms”) govern participation in the DebtWave Credit Counseling SMS messaging program. By opting in to receive SMS messages from DebtWave Credit Counseling (“DebtWave”, “we”, “our”, or “us”), you agree to these Terms.

1. Program Description

DebtWave offers SMS messaging programs to provide consumers with information related to:

  • Credit counseling services

  • Debt management program updates

  • Appointment reminders

  • Account notifications

  • Educational financial content

  • Customer support communications

Message frequency varies depending on your interaction with DebtWave services.

2. Opt-In

Consumers may opt into the SMS messaging program by:

  • Submitting a form on our website

  • Providing consent during enrollment in DebtWave services

  • Sending a keyword to a designated short code

  • Providing consent through customer service representatives

By opting in, you confirm that:

  • You are the account holder or authorized user of the mobile number provided.

  • You consent to receive automated and non-automated SMS messages from DebtWave.

Consent to receive messages is not a condition of purchasing services.

3. Message Frequency

Message frequency may vary. You may receive multiple messages per month depending on:

  • Program participation

  • Account activity

  • Customer service communications

  • Appointment reminders or notifications

4. Message and Data Rates

Message and data rates may apply depending on your mobile carrier plan.

DebtWave is not responsible for any SMS charges incurred from your mobile carrier.

5. Supported Carriers

Supported carriers may include, but are not limited to:

  • AT&T

  • Verizon

  • T-Mobile

  • Sprint

  • U.S. Cellular

  • Other participating carriers

Carriers are not liable for delayed or undelivered messages.

6. Opt-Out

You may opt out of receiving SMS messages at any time.

To stop receiving messages, reply:

STOP

After sending STOP, you will receive a confirmation message confirming your opt-out. You will no longer receive SMS messages from that program unless you opt in again.

7. Help

For assistance, reply:

HELP

You may also contact DebtWave customer support:

Website: https://www.debtwave.org
Phone: 858-751-2600
Email: info@debtwave.org

8. Privacy

Your privacy is important to us.

Information collected through SMS interactions is handled in accordance with our Privacy Policy.

Please review our Privacy Policy

DebtWave does not sell or share SMS consent with third parties or affiliates for marketing purposes.

9. Eligibility

By participating in the SMS program, you represent that:

  • You are at least 18 years old

  • You are the authorized user of the mobile phone number used to opt in

  • You will comply with all applicable laws and regulations

10. Changes to Terms

DebtWave may modify these Short Code Terms at any time. Updates will be posted on our website with the updated effective date.

Continued participation in the SMS program constitutes acceptance of any revised terms.

11. Disclaimer of Liability

DebtWave is not responsible for:

  • Delayed or undelivered messages

  • Mobile carrier network issues

  • Service interruptions

  • Message delivery failures outside our control

12. Contact Information

Principal Address
DebtWave Credit Counseling, Inc.
500 La Terraza Blvd, Suite 150
Escondido, CA 92025

Mailing Address
1835A S. Centre City Parkway, #508
Escondido, CA 92025

Phone: 858-751-2600
Website: https://www.debtwave.org