Short version: you have 7 days to ask for your money back, and you do not have to explain why.
If you are not satisfied with your purchase, write to us within 7 days of your order and we refund you in full. No questions asked, no form to fill in, no reason required.
The 7 days run from the date and time of your payment, which is the date on your order confirmation email.
We do not ask you to prove anything, delete the file, or justify your decision. If you tell us it was not for you, that is enough.
After the 7 days have passed, all sales are final. Our products are digital and are delivered in full immediately after payment, so beyond that window we do not offer refunds, exchanges or cancellations.
Your bank or card issuer decides how quickly the money appears on your statement. That part is outside our control, and it commonly takes a few business days.
Consumer law in the EU and the UK gives you a 14-day right of withdrawal on a distance purchase. We do not ask you to waive it.
If you are buying from the EU or the UK, you have 14 days instead of 7, on the same terms: write to us, no reason required, and we refund you in full.
Nothing in this policy limits your statutory rights in the case of faulty, misdescribed or undelivered content.
A delivery failure is not a refund matter. It is our problem to fix, and we fix it.
If your file has not arrived, first check your spam, promotions and junk folders, since automated emails often land there. If it is still missing, write to us with the email address you used at checkout and we will resend it. There is no time limit on this and no cost to you.
If you were charged twice for the same product, or charged an amount that does not match the price shown at checkout, that is a billing error and it is not subject to any time window.
Write to us and we will correct it. Send the date of the charge, the amount, and the email address used at checkout, and we will look it up and return anything charged in error.
If something is wrong with your order, please write to us first. Almost everything we are asked about is a refund request, a delivery issue or a billing error, and all three are handled above, usually faster than a bank dispute would take.
Opening a dispute before contacting us means we never get the chance to fix the thing you are unhappy about. We answer every message we receive.
This site is operated by Antonino Maisano, Via Benaco 26, 25017 Lonato del Garda (BS), Italy, trading as Crush-Debt.
These Terms apply to crush-debt.com and to every product sold through it. They work together with the Refund Policy above and with our Privacy Policy, which form part of this agreement.
By using this site or completing an order, you accept these Terms. If you do not accept them, please do not buy.
Crush-Debt is an educational publisher. We write and sell written material about debt, budgeting and consumer rights. That is the entire nature of our business.
We are not a debt relief company, a debt settlement company, a credit repair organisation, a law firm, a licensed financial adviser or a credit counselling agency. We do not act on your behalf in any capacity.
Specifically, and without exception:
Our material is general information. Rules on debt collection, wage garnishment, limitation periods, exemptions, eviction, foreclosure and repossession are set largely at state level and change over time. What is accurate in one state may be wrong in another. Before you act on anything you read, check the rules that apply where you live, and check that the information is current.
You may buy from us only if you are at least 18 years old and able to enter into a binding contract where you live.
By ordering you confirm that the payment method you use is yours, or that you have permission from its owner to use it.
Prices are shown on the page in US dollars and are the total you pay. There is no subscription, no recurring charge and no automatic renewal on any product on this site. Each purchase is a single one-time payment.
Your order is accepted when payment is confirmed by our payment provider. If payment fails, no contract is formed.
If a price is displayed in obvious error, we may decline the order and refund you in full rather than supply at that price. We will tell you if this happens.
Payments are handled by Stripe and PayPal. We never receive or store your card number, as explained in our Privacy Policy.
All our products are digital. After payment they are sent by email to the address you enter at checkout, normally within minutes. There is no account to create, no app to install and no login to remember.
It is your responsibility to enter that address correctly. If nothing arrives, see Section 4 above.
By completing your order you confirm that:
When you buy a product, we grant you a personal, non-exclusive, non-transferable licence to use it. You do not buy the material itself, you buy the right to use it.
Quoting a short passage with credit to Crush-Debt, in a review or a discussion, is fine and always has been.
All text, layout, graphics, worksheets and the Crush-Debt name remain our property or that of our licensors, and are protected by copyright and trademark law.
Nothing in these Terms transfers ownership of anything to you.
You agree not to:
We make no promise about any outcome. We do not guarantee that any debt will be reduced, settled, removed or made more manageable, that any credit score will change, that any collector will stop calling, or that any legal action will be avoided.
What you get from our material depends entirely on your own circumstances, on the accuracy of the information you have about your own situation, and on what you choose to do. Any example or scenario we publish is an illustration, not a prediction and not a typical result.
If the material is not what you wanted, that is what the 7-day window in Section 1 is for. Dissatisfaction with the results you obtain is not a basis for a refund outside that window.
The examples and scenarios in our materials are composites, written to make a pattern clear. The names in them are invented, and they are not accounts of identified customers.
If we ever publish a genuine customer testimonial, we will say so, we will hold substantiation for it, and we will disclose any material connection between us and the person giving it.
Some situations are beyond the scope of educational material, and we will not pretend otherwise.
Consult a qualified professional in your state without delay if you have been served with a lawsuit or a court summons, if wage garnishment has begun or been threatened under a court order, if you have received an eviction or foreclosure notice, or if a vehicle repossession is scheduled.
Deadlines in those situations are short, and missing one has lasting consequences. Free and low cost help exists in every state through legal aid services and nonprofit credit counselling agencies.
We take care to be accurate and to keep our materials current, but we do not warrant that everything is complete, current or free of error.
If you spot something that looks wrong, write to info@crush-debt.com and we will look into it. We would rather be corrected than be wrong in print.
Our material may point you to independent organisations and public resources, such as non-profit credit counselling agencies, legal aid directories and government information services.
We mention them because they exist and are useful. We do not control them, are not paid by them, and are not responsible for what they do or for the accuracy of what they publish. Any dealing you have with them is between you and them.
The site and its content are provided as they are. To the fullest extent the law allows, we exclude implied warranties about the site's availability, accuracy or fitness for a particular purpose.
We are responsible for loss you suffer that is a foreseeable result of our breaking this contract or failing to use reasonable care. We are not responsible for loss that was not foreseeable, or for business losses.
Where liability can lawfully be limited, our total liability to you is limited to the amount you paid us for the product concerned.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence, for fraud, or under mandatory consumer protection law in the country where you live. If you are a consumer, you keep every statutory right you have.
We may suspend or withdraw access to the site at any time, for maintenance or for any other reason, and we will try to give notice where we reasonably can.
If you breach Section 12 or Section 14, we may end your licence to use the material. That does not affect any order already delivered and paid for, or any refund you are entitled to.
These Terms are governed by Italian law.
If you are a consumer, this does not deprive you of the protection of the mandatory rules of the country where you live, and you may bring proceedings in the courts of that country. Consumers in the European Union may also use the European Commission's online dispute resolution platform.
Antonino Maisano
Via Benaco 26
25017 Lonato del Garda (BS), Italy
Email: info@crush-debt.com
Write to us for refunds, delivery problems, billing questions and anything about these Terms. Include the email address you used at checkout so we can find your order.
Last updated: August 2026. This page applies to crush-debt.com and to every product sold through it.