Terms & Conditions – Recitals
Important Disclosure: The services described and performed by LSLFDR on behalf of the Client for a
nominal fee can be conducted by the individual directly through the Department of Education (DOE)
without paying a fee. You may wish to attempt to complete the application and consolidate or change
your loan repayment plan for your student loan without incurring a fee this way. Your results may be the
same or they may vary significantly. LSLFDR offers its fee-based service to the Client which is
personalized, private, and secure. We perform an in-depth evaluation and review of the Client’s specific
situation and unique circumstances and analyze this data according to DOE web sites and applications,
locating all of the necessary documents required to consolidate and restructure the Client’s Federal
Student Loans. LSLFDR exercises due diligence in the evaluation of all Client documentation and
applies its proven expertise in the preparation of the application for restructuring and consolidating the
student loan. We stand behind our work with a guarantee (See Section 6). Using LSLFDR’s fee-based
service minimizes the risk of exposure to serious financial consequences of submitting an inaccurate
application package.
CONSIDERING LSLFDR’s business provides document processing services to persons with Federal
Student Loans, who seek consolidation of their loans through programs offered by the Department of
Education (DOE) and/or wish to change their existing repayment plan, solely at the Client’s request, to a
program that better meets the Client’s current situation; and
CONSIDERING CLIENT wishes LSLFDR to perform in good faith the following services
(SERVICES): a) research potential DOE programs that either are/or may be available to Client, b)
provide resulting available options to Client, c) Populate and process all DOE Consolidation
documentation selected from the available options delivered to, and d) submit completed Consolidation
and Repayment Plan Request documentation directly to DOE for the Client.
Respective of the foregoing and every term, condition, and covenant set forth herein, LSLFDR and
Client do hereby understand, convey, and agree to all of the following;
1. To Provide Complete and True Information. Client agrees expressly, represents, and warrants they
will at all times provide information to LSLFDR that is complete, accurate, and true to the best of their
knowledge and belief.
2. Service Performance. Upon receipt of all information and payment for services by Client, as
provided herein, LSLFDR will analyze all Client data and perform all necessary research at its sole
discretion; as fair and prudent to carry out its duty to service the Client’s student consolidation.
3.a Third Party Providers: Client understands and hereby agrees that as a matter of its sole discretion,
LSLFDR may utilize the services of a Third Party Provider to conduct its services. In such case, Third
Party Provider is required to conform to LSLFDR’s privacy policy.
3. Document Preparation Services and Fees. LSLFDR provides its document preparation services for
a nominal fee that will be established by one of our technical reps at the time of the initial interview/
application with the Client. The fee is variable, according to the complexity of the task and will be
quoted on a firm fixed price basis, all inclusive of research, compilation, and submission charges. The
total fee is not due in advance and will be payable in incremental amounts upon completion of specific
phases of the service process. Payment schedule will be individualized and agreed to by Client at the
time of signing. Performance phases are described as follows.
Phase 1. Including, but not limited to, Initial application counseling, review and research to
determine applicable Qualifying Federal Programs Available through Department of Education,
summarizing options for Client selection and recommendations, and submission of Forbearance On
eligible loans, as requested.
Phase 2. Including, but not limited to, compiling qualifying program documentation, analysis of
Client data and review, Populating applicable Documents, completion of document package, and
submission of package to Department of Education or servicer for Consolidation or Repayment
plan review.
LSLFDR will only bill after Client is approved for a qualified program by DOE, Servicer, or Collection
Agency. If the Client is not approved for a program 100% of any collected Client fees will be
reimbursed.
4. Legal and Tax Advice Disclaimer. LSLFDR does not purport to be nor is it a Law Firm or Tax
Accountancy. The Client acknowledges this and understands that NO LEGAL OR TAX ADVICE CAN
BE OR WILL BE PROVIDED BY LSLFDR UNDER THIS AGREEMENT.
5. Entirety, Severability, and Survival of Agreement. This contract constitutes the entire agreement
between LSLFDR and the Client respective of the document processing services to be provided
hereunder on behalf of the Client. No additional outside terms, express or otherwise, including
obligations, covenants, representations, statements, facts, or conditions shall be in any way material to or
party of this agreement. No modifications or variations of this agreement shall be deemed valid unless in
writing and signed by both parties. This section survives the termination of this agreement by either or
both parties. Client agrees to pay a service cost totaling $ . This includes $
6. Guarantee of Services. If at any time, up to the point of submission of the client’s application to the
Department of Education (DOE), the Client is not satisfied with the Services performed by LSLFDR, we
will reimburse 100% of the fees collected from the Client.
7. Legal Authorization Form. This form serves as an acknowledgement that the Student Loan
Borrower, whose signature appears below, has authorized the company, LSLFDR to act on their behalf
to prepare the documentation package required to consolidate or restructure their Federal Student
Loan(s) in accordance with the Department of Education. The Client has been advised that upon
approval for the Federal Student Loan Consolidation, the Client will receive a grace period of sixty (60)
days before payments will begin. If you have any questions concerning the Federal Student Loan
Consolidation Program please contact ASFLDR customer service at one of the numbers listed or visit
our web site.
8. Limitations and Damages. LSLFDR’s liability under this agreement and/or relating to the Client’s
Participation, either directly or indirectly, in the Client Loan Application Process in this Agreement and
Expressly under any theoretical liability respective of any claim brought by or on behalf of the Client,
Shall in any and all cases be limited to the total amount of the fee paid by Client and received by
LSLFDR. Both parties hereby agree to be bound by such limits and agree not to demand or attempt to
Recover such an amount in excess of the stated limit herein.
9. Hold Harmless & Indemnification. For good and valuable consideration, the receipt of which is
acknowledged by all parties of this Agreement, the Client agrees to defend and hold harmless LSLFDR
from and against any and all claims and liability of any nature whatsoever, in connection with or arising
out of Client’s failure to timely provide requested information to LSLFDR, Client’s lack of authority or
ability to complete the terms of this Agreement, and all other claims arising from this Agreement or
relating to Client’s loans and other financial obligations. This Agreement constitutes the entire
agreement between the two parties (See Section 5). LSLFDR makes no warranty, express or otherwise,
as to the fitness of any recommendation given to the Client as a result of this Agreement. Except for due
cause, Client unconditionally waives any right of action against LSLFDR, its officers, agents,
employees, directors, brokers, or assignees, at law, equity, or any other cause of action for any reason
directly, indirectly, or proximately believed to arise out of this Agreement, for any damages of any
nature whatsoever that the Client may incur by reason of Client following any recommendations of
LSLFDR or Client’s failure to follow any recommendations of LSLFDR, whether any singular,
concurrent, or series of recommendations are acted upon or not acted upon in whole or in part by Client.
This section shall survive any and all termination of this Agreement.
10. Right of Servicing. Client understands and agrees that LSLFDR may use a third party support
servicer to assist in processing activities pursuant to this Agreement. LSLFDR may, at its discretion,
unilaterally assign, transfer, and/or sell the servicing, processing, and/or receivables relating to this
Agreement to an Independent Provider with reasonable advance written notice to the Client. In the event
of a partial or complete transfer, the terms and obligations of this Agreement shall remain in full force
and effect.
11. Privacy Policy. LSLFDR is committed to providing the highest level of privacy and security
concerning the collection and use of the Client’s personal information. Personal information may be
collected from your personal account application, any updated information that might be provided
periodically, and the banking transactions processed through your account. A description of our Privacy
Policy is provided below. Any questions concerning the privacy of your personal information may be
directed to customer service at one of the numbers listed below.
Collection and Use of Personal Information: Our collection of personal information is designed to
protect access to your account and to assist Us in providing you with the products and services that
you want and need. All personal information collected and stored by LSLFDR, or on Our behalf, is
used for a specific business purpose to protect and administer your account and subsequent
transactions; to comply with state And federal regulations; and to help us better understand your
unique situation and needs in order to develop and improve our products and Services. Additionally,
audit points have been implemented to further protect and safeguard your personal information.
These audit points Identify specific personnel who may have accessed and modified in any way, or
otherwise changed or altered your personal data. The Information we collect about you comes from
the following sources; Personal information we receive directly from you either written or verbally
Or in applications. Notwithstanding information about your transactions such as; credit account
balances, payment histories, account activity, And all other details that may be contained in your
credit card statements, collection agency reports; information related to payment histories,
Creditworthiness, annual income, and your general ability to satisfy financial obligations. We may,
at our discretion, obtain your personal credit Report.
12. Disclosure of All Privacy Policies. The security and privacy of your personal information is is our
primary concern. For more information on our Privacy Policy, contact our customer service
representatives at one of the numbers listed.
13. Limited Access to Personal Information. Access to your personal information is restricted to a
“need to know” basis to appropriate level personnel of the company. Our representatives know the
importance of confidentiality and make customer privacy a top priority. Access to personal data is secure
available to the outside world. No confidential information is broadcast or exchanged over the Internet.
The Client is advised to avoid password sharing or transmitting of sensitive data over the Internet.
14. Third Party Disclosure Restrictions. LSLFDR follows strict privacy policies and procedures in
safeguarding your personal information in a secure environment. We also require any third party
contracted at our discretion to adhere to these same practices. Your information may, at our sole
discretion, be supplied to such a third party for the purpose of processing a transaction that you
authorized, or, if disclosure is required by law (such as exchange of information with reputable agencies,
by subpoena, the investigation of fraudulent activity, etc.). LSLFDR prohibits the sale or transfer of
personal information to non-affiliated entities for their use without giving you the opportunity to opt out.
We may disclose such information in order to effect or carry out any transaction that you have tasked us
with, or as necessary to fulfill our obligations to you contractually. We may also share your information
with service providers contracted by LSLFDR to act on our behalf, but only as permitted and/or required
by law, such as in response to a subpoena or to protect from fraud. While administering our services and
servicing your account, we may disclose you information, as necessary, and as permitted by law, to your
creditors, credit card assigns, collection agencies, banks, other entities, and individuals.
15. You will receive information and documentation from LSLFDR concerning the recertification of
your forgiveness agreement. Recertification of the agreement is required annually and can be provided
by LSLFDR for a nominal charge of $/monthly for the 120-month or 240-month period, as applicable,
with your authorization.
16. Contact Us. Liberty Student Loan Forgiveness & Debt Relief 333 City Blvd. West 17th Floor
Orange, CA 92868
nominal fee can be conducted by the individual directly through the Department of Education (DOE)
without paying a fee. You may wish to attempt to complete the application and consolidate or change
your loan repayment plan for your student loan without incurring a fee this way. Your results may be the
same or they may vary significantly. LSLFDR offers its fee-based service to the Client which is
personalized, private, and secure. We perform an in-depth evaluation and review of the Client’s specific
situation and unique circumstances and analyze this data according to DOE web sites and applications,
locating all of the necessary documents required to consolidate and restructure the Client’s Federal
Student Loans. LSLFDR exercises due diligence in the evaluation of all Client documentation and
applies its proven expertise in the preparation of the application for restructuring and consolidating the
student loan. We stand behind our work with a guarantee (See Section 6). Using LSLFDR’s fee-based
service minimizes the risk of exposure to serious financial consequences of submitting an inaccurate
application package.
CONSIDERING LSLFDR’s business provides document processing services to persons with Federal
Student Loans, who seek consolidation of their loans through programs offered by the Department of
Education (DOE) and/or wish to change their existing repayment plan, solely at the Client’s request, to a
program that better meets the Client’s current situation; and
CONSIDERING CLIENT wishes LSLFDR to perform in good faith the following services
(SERVICES): a) research potential DOE programs that either are/or may be available to Client, b)
provide resulting available options to Client, c) Populate and process all DOE Consolidation
documentation selected from the available options delivered to, and d) submit completed Consolidation
and Repayment Plan Request documentation directly to DOE for the Client.
Respective of the foregoing and every term, condition, and covenant set forth herein, LSLFDR and
Client do hereby understand, convey, and agree to all of the following;
1. To Provide Complete and True Information. Client agrees expressly, represents, and warrants they
will at all times provide information to LSLFDR that is complete, accurate, and true to the best of their
knowledge and belief.
2. Service Performance. Upon receipt of all information and payment for services by Client, as
provided herein, LSLFDR will analyze all Client data and perform all necessary research at its sole
discretion; as fair and prudent to carry out its duty to service the Client’s student consolidation.
3.a Third Party Providers: Client understands and hereby agrees that as a matter of its sole discretion,
LSLFDR may utilize the services of a Third Party Provider to conduct its services. In such case, Third
Party Provider is required to conform to LSLFDR’s privacy policy.
3. Document Preparation Services and Fees. LSLFDR provides its document preparation services for
a nominal fee that will be established by one of our technical reps at the time of the initial interview/
application with the Client. The fee is variable, according to the complexity of the task and will be
quoted on a firm fixed price basis, all inclusive of research, compilation, and submission charges. The
total fee is not due in advance and will be payable in incremental amounts upon completion of specific
phases of the service process. Payment schedule will be individualized and agreed to by Client at the
time of signing. Performance phases are described as follows.
Phase 1. Including, but not limited to, Initial application counseling, review and research to
determine applicable Qualifying Federal Programs Available through Department of Education,
summarizing options for Client selection and recommendations, and submission of Forbearance On
eligible loans, as requested.
Phase 2. Including, but not limited to, compiling qualifying program documentation, analysis of
Client data and review, Populating applicable Documents, completion of document package, and
submission of package to Department of Education or servicer for Consolidation or Repayment
plan review.
LSLFDR will only bill after Client is approved for a qualified program by DOE, Servicer, or Collection
Agency. If the Client is not approved for a program 100% of any collected Client fees will be
reimbursed.
4. Legal and Tax Advice Disclaimer. LSLFDR does not purport to be nor is it a Law Firm or Tax
Accountancy. The Client acknowledges this and understands that NO LEGAL OR TAX ADVICE CAN
BE OR WILL BE PROVIDED BY LSLFDR UNDER THIS AGREEMENT.
5. Entirety, Severability, and Survival of Agreement. This contract constitutes the entire agreement
between LSLFDR and the Client respective of the document processing services to be provided
hereunder on behalf of the Client. No additional outside terms, express or otherwise, including
obligations, covenants, representations, statements, facts, or conditions shall be in any way material to or
party of this agreement. No modifications or variations of this agreement shall be deemed valid unless in
writing and signed by both parties. This section survives the termination of this agreement by either or
both parties. Client agrees to pay a service cost totaling $ . This includes $
6. Guarantee of Services. If at any time, up to the point of submission of the client’s application to the
Department of Education (DOE), the Client is not satisfied with the Services performed by LSLFDR, we
will reimburse 100% of the fees collected from the Client.
7. Legal Authorization Form. This form serves as an acknowledgement that the Student Loan
Borrower, whose signature appears below, has authorized the company, LSLFDR to act on their behalf
to prepare the documentation package required to consolidate or restructure their Federal Student
Loan(s) in accordance with the Department of Education. The Client has been advised that upon
approval for the Federal Student Loan Consolidation, the Client will receive a grace period of sixty (60)
days before payments will begin. If you have any questions concerning the Federal Student Loan
Consolidation Program please contact ASFLDR customer service at one of the numbers listed or visit
our web site.
8. Limitations and Damages. LSLFDR’s liability under this agreement and/or relating to the Client’s
Participation, either directly or indirectly, in the Client Loan Application Process in this Agreement and
Expressly under any theoretical liability respective of any claim brought by or on behalf of the Client,
Shall in any and all cases be limited to the total amount of the fee paid by Client and received by
LSLFDR. Both parties hereby agree to be bound by such limits and agree not to demand or attempt to
Recover such an amount in excess of the stated limit herein.
9. Hold Harmless & Indemnification. For good and valuable consideration, the receipt of which is
acknowledged by all parties of this Agreement, the Client agrees to defend and hold harmless LSLFDR
from and against any and all claims and liability of any nature whatsoever, in connection with or arising
out of Client’s failure to timely provide requested information to LSLFDR, Client’s lack of authority or
ability to complete the terms of this Agreement, and all other claims arising from this Agreement or
relating to Client’s loans and other financial obligations. This Agreement constitutes the entire
agreement between the two parties (See Section 5). LSLFDR makes no warranty, express or otherwise,
as to the fitness of any recommendation given to the Client as a result of this Agreement. Except for due
cause, Client unconditionally waives any right of action against LSLFDR, its officers, agents,
employees, directors, brokers, or assignees, at law, equity, or any other cause of action for any reason
directly, indirectly, or proximately believed to arise out of this Agreement, for any damages of any
nature whatsoever that the Client may incur by reason of Client following any recommendations of
LSLFDR or Client’s failure to follow any recommendations of LSLFDR, whether any singular,
concurrent, or series of recommendations are acted upon or not acted upon in whole or in part by Client.
This section shall survive any and all termination of this Agreement.
10. Right of Servicing. Client understands and agrees that LSLFDR may use a third party support
servicer to assist in processing activities pursuant to this Agreement. LSLFDR may, at its discretion,
unilaterally assign, transfer, and/or sell the servicing, processing, and/or receivables relating to this
Agreement to an Independent Provider with reasonable advance written notice to the Client. In the event
of a partial or complete transfer, the terms and obligations of this Agreement shall remain in full force
and effect.
11. Privacy Policy. LSLFDR is committed to providing the highest level of privacy and security
concerning the collection and use of the Client’s personal information. Personal information may be
collected from your personal account application, any updated information that might be provided
periodically, and the banking transactions processed through your account. A description of our Privacy
Policy is provided below. Any questions concerning the privacy of your personal information may be
directed to customer service at one of the numbers listed below.
Collection and Use of Personal Information: Our collection of personal information is designed to
protect access to your account and to assist Us in providing you with the products and services that
you want and need. All personal information collected and stored by LSLFDR, or on Our behalf, is
used for a specific business purpose to protect and administer your account and subsequent
transactions; to comply with state And federal regulations; and to help us better understand your
unique situation and needs in order to develop and improve our products and Services. Additionally,
audit points have been implemented to further protect and safeguard your personal information.
These audit points Identify specific personnel who may have accessed and modified in any way, or
otherwise changed or altered your personal data. The Information we collect about you comes from
the following sources; Personal information we receive directly from you either written or verbally
Or in applications. Notwithstanding information about your transactions such as; credit account
balances, payment histories, account activity, And all other details that may be contained in your
credit card statements, collection agency reports; information related to payment histories,
Creditworthiness, annual income, and your general ability to satisfy financial obligations. We may,
at our discretion, obtain your personal credit Report.
12. Disclosure of All Privacy Policies. The security and privacy of your personal information is is our
primary concern. For more information on our Privacy Policy, contact our customer service
representatives at one of the numbers listed.
13. Limited Access to Personal Information. Access to your personal information is restricted to a
“need to know” basis to appropriate level personnel of the company. Our representatives know the
importance of confidentiality and make customer privacy a top priority. Access to personal data is secure
available to the outside world. No confidential information is broadcast or exchanged over the Internet.
The Client is advised to avoid password sharing or transmitting of sensitive data over the Internet.
14. Third Party Disclosure Restrictions. LSLFDR follows strict privacy policies and procedures in
safeguarding your personal information in a secure environment. We also require any third party
contracted at our discretion to adhere to these same practices. Your information may, at our sole
discretion, be supplied to such a third party for the purpose of processing a transaction that you
authorized, or, if disclosure is required by law (such as exchange of information with reputable agencies,
by subpoena, the investigation of fraudulent activity, etc.). LSLFDR prohibits the sale or transfer of
personal information to non-affiliated entities for their use without giving you the opportunity to opt out.
We may disclose such information in order to effect or carry out any transaction that you have tasked us
with, or as necessary to fulfill our obligations to you contractually. We may also share your information
with service providers contracted by LSLFDR to act on our behalf, but only as permitted and/or required
by law, such as in response to a subpoena or to protect from fraud. While administering our services and
servicing your account, we may disclose you information, as necessary, and as permitted by law, to your
creditors, credit card assigns, collection agencies, banks, other entities, and individuals.
15. You will receive information and documentation from LSLFDR concerning the recertification of
your forgiveness agreement. Recertification of the agreement is required annually and can be provided
by LSLFDR for a nominal charge of $/monthly for the 120-month or 240-month period, as applicable,
with your authorization.
16. Contact Us. Liberty Student Loan Forgiveness & Debt Relief 333 City Blvd. West 17th Floor
Orange, CA 92868
Liberty Document Processing is a private company and is NOT AFFILIATED WITH THE DEPT. OF EDUCATION. The services described and performed on behalf of the Client for a nominal fee can be conducted by the individual directly through the Dept. of Education without paying a fee. You may wish to attempt to complete the application and consolidate or change your loan repayment plan for your student loan without incurring a fee this way. Your results may be the same or they may vary significantly
