Website & Services Disclaimer

1. Who We Are — Consulting and Referral Only

64 Squares Consulting LLC d/b/a Thrive Consumer Debt Solutions is an independent financial consulting and advisory firm. Our sole function is to:

• Educate consumers about all available debt relief options
• Review your individual financial situation at no cost to you
• Match and refer you to licensed, accredited third-party debt relief service providers

We are NOT any of the following:

• A debt settlement company
• A credit counseling agency
• A law firm or attorney
• A debt collector or creditor
• A mortgage or loan company
• A bankruptcy trustee or administrator

We do not take custody of, manage, or negotiate any consumer debt. Any actual debt relief services are performed exclusively by the licensed third-party providers to whom you may be referred.

2. No Guarantee of Results

Any case results, statistics, testimonials, or examples displayed on this website or in our marketing materials represent individual client experiences achieved through third-party service providers. These outcomes:

• Are not typical and should not be interpreted as an average or expected result
• Were achieved under specific financial circumstances that may not apply to you
• Depend heavily on the type and amount of debt, the creditors involved, the consumer's financial situation, and the solution enrolled in
• Were obtained through third-party providers and are not solely attributable to our consulting services

There is no guarantee that you will qualify for any particular debt relief program, that any creditor will negotiate with a settlement provider, or that any specific outcome will be achieved.

3. We Present All Options — Not Just Debt Settlement

We are committed to presenting every available debt relief option to each consumer we serve. Depending on your specific financial situation, the most appropriate solution for you may be one of the following:

Debt Settlement

A negotiation process in which a creditor agrees to accept less than the full amount owed. Typically best for consumers with significant unsecured debt who are experiencing genuine financial hardship and cannot afford minimum payments.

Debt Management Plan (DMP)

A structured repayment plan administered by a non-profit credit counseling agency. You make one monthly payment to the agency, which distributes it to your creditors. Interest rates are often reduced. Best for consumers with steady income who can afford a monthly payment.

Credit Counseling

Free or low-cost guidance from a non-profit agency to help you create a budget, manage your finances, and understand your options. Often the first step before enrolling in any formal program.

Debt Consolidation

Taking out a new loan to pay off multiple debts, leaving you with a single monthly payment, ideally at a lower interest rate. Best for consumers with good enough credit to qualify for a favorable consolidation loan.

Bankruptcy

A legal process that may allow you to discharge or restructure debts under federal court supervision. Chapter 7 eliminates most unsecured debts; Chapter 13 creates a repayment plan. Bankruptcy has significant long-term credit consequences and should be considered carefully with a licensed bankruptcy attorney.

Debt Validation (Attorney-Led Program)

An attorney-led program in which a licensed law firm challenges third-party debt collectors under the Fair Debt Collection Practices Act (FDCPA) to prove that a debt is valid, accurately stated, and legally collectible. If a collector cannot provide adequate documentation, the collection attempt may be discontinued. Important: consumers in these programs typically stop paying creditors and redirect funds toward attorney fees, which will likely damage their credit score. Creditors may also escalate collection efforts or file lawsuits during the process. Debt validation is most appropriate for disputed debts being actively collected by third-party agencies, not original creditors.

During your consultation, we will review all options relevant to your situation and help you understand the pros, cons, and likely outcomes of each before making any referral.

4. Debt Relief Risk Disclosures

4.1 Credit Score Impact

Consumers enrolled in debt settlement programs are typically advised to stop making payments to creditors, which will result in delinquencies reported to credit bureaus and a substantial decrease in credit score. This impact can last for several years. Other debt relief options, such as DMPs administered through credit counseling agencies, may have a lesser impact on your credit if payments are made consistently.

4.2 Creditor Lawsuits

Creditors are not obligated to negotiate and may pursue legal action against you for unpaid balances. If a creditor obtains a judgment against you, they may be able to garnish wages or bank accounts, depending on applicable state law. Enrollment in a debt relief program does not prevent creditors from taking legal action.

4.3 Tax Consequences

Under IRS rules, when a creditor forgives $600 or more of debt, they are generally required to report it on Form 1099-C, and you may be required to include that amount as income on your tax return. There are exceptions for insolvency and bankruptcy. We strongly recommend consulting a qualified tax professional before and during any debt relief program.

4.4 Program Duration

Debt relief programs take time. Debt settlement programs typically range from 24 to 48 months or longer depending on the total debt enrolled and the rate at which funds accumulate. There is no guarantee of completion within any specific timeframe.

4.5 Fees Charged by Third-Party Providers

While our consulting and matching services are free to you, the third-party service providers to whom you may be referred charge fees for their services. Debt settlement companies are required by the FTC's Telemarketing Sales Rule (TSR) to charge fees only after a debt has been successfully settled. You should carefully review any fee agreement before enrolling with a provider.

5. Not Legal, Tax, or Financial Advice

The information provided on this website and during our consultations is for general educational and informational purposes only. It does not constitute and should not be relied upon as legal advice, tax advice, financial advice, or investment advice.

We are not licensed attorneys, certified public accountants, certified financial planners, or investment advisors. Nothing we say or provide creates an attorney-client relationship, a fiduciary duty, or any professional advisory relationship.

You should consult with qualified, licensed professionals — including an attorney, CPA, or CFP — before making any decisions about your financial situation, debt, or enrollment in any debt relief program.

6. Third-Party Provider Disclaimer

When we refer you to a third-party debt relief service provider, we are not responsible for:

• The quality, accuracy, or outcome of the services provided by that third party
• Any representations, promises, or guarantees made by the third-party provider
• Any fees, charges, or costs associated with the third-party provider's services
• Any legal, financial, or credit consequences resulting from enrolling in a third-party program

We conduct reasonable due diligence on the providers in our network and refer only to providers we believe are reputable and appropriately licensed. However, we cannot guarantee the performance or conduct of any third party. You are encouraged to independently verify any provider's credentials, licensing, and Better Business Bureau (BBB) rating before enrolling.

We may receive compensation from third-party providers for successful referrals. This compensation does not influence the objectivity of our assessment of your situation or the options we present to you.

7. Website Content Accuracy

We strive to keep the information on this website accurate and up to date. However, we make no representations or warranties of any kind regarding the completeness, accuracy, reliability, suitability, or availability of any information on this website. Laws, regulations, and industry practices in the debt relief space change frequently, and content may not reflect the most current legal or regulatory developments.

Any reliance you place on information from this website is strictly at your own risk. We encourage you to verify important information with a licensed professional before taking action.

8. State Availability

Our consulting and referral services may not be available in all states. Consumers in certain states may have additional protections under state law. We refer consumers only to providers that are appropriately licensed or registered in the consumer's state of residence.

If you have questions about availability or applicable state protections in your state, please contact us at info@thrivecds.com.

9. Testimonials and Case Results

Testimonials displayed on this website are from real clients who have consented to share their experiences. However:

• Individual experiences are not typical and results will vary
• Testimonials may not reflect the experience of all clients
• No compensation was provided to clients in exchange for testimonials unless explicitly disclosed
• Case outcome documents are displayed with the express consent of the client and have been reviewed and redacted by legal counsel to remove all personally identifying information

The display of case outcomes is intended to demonstrate that debt relief results are achievable — not to imply that every consumer will achieve similar results.

10. Questions and Contact

If you have any questions about this disclaimer or our services, please contact us:

64 Squares Consulting LLC d/b/a Thrive Consumer Debt Solutions

25 SE 2nd Avenue, Suite 923, Miami, FL 33131

Phone: (786) 206-7575

Email: info@thrivecds.com

Website: www.thrivecds.com

This disclaimer is effective as of April 8, 2026 and supersedes all prior versions. It is not a substitute for individualized legal, tax, or financial advice. Please consult a licensed professional for guidance specific to your situation.