Last Updated: 11/6/2025

Quick Summary

  • KillDebt offers educational tools, templates, and AI-powered guidance through

  • KillDebt.com, KillDebt.ai, and ParkerGPT.

  • We are not your lawyers - this is not legal advice.

  • Memberships are personal-use only and non-refundable once billed.

  • Do not share or redistribute materials.

  • Be respectful in any community spaces.

  • Full legal terms follow below.



  1. Acceptance of Terms

By accessing or using KillDebt.com, KillDebt.ai, ParkerGPT, or any related websites, apps, memberships, or materials (collectively, the “Services”), you agree to these Terms of Service (“Terms”) and our Privacy Policy.
If you do not agree, do not use the Services.

CollectionStopperMembership, LLC (doing business as KillDebt.com and KillDebt.ai) (“Company,” “we,” “our,” or “us”) may modify these Terms at any time by posting updates. Continued use of the Services after updates constitutes acceptance of the revised Terms.

  1. Nature of Services & Legal Disclaimer (No Attorney–Client Relationship)

    Our Services are educational and informational only.
    Nothing in our videos, templates, forms, AI outputs (including ParkerGPT), courses, or communications constitutes legal advice. Your use of KillDebt or ParkerGPT does not create an attorney–client relationship.

    Although Brian Parker is a licensed attorney in Florida and Michigan, KillDebt and ParkerGPT are not law firms or attorney services. References to legal experience are for educational insight only.

    Use your own state- and court-specific laws, rules, and procedures when preparing filings or legal responses.

  2. Eligibility & Access

    Users must be at least 13 years old to access the Services and at least 18 to register, purchase, or upload content. You are responsible for compliance with all laws in your jurisdiction.

  3. Account Registration & Security

    You are responsible for:

    • Providing accurate and current account information,

    • Maintaining the confidentiality of your login credentials, and

    • All activity occurring under your account.

    Notify us immediately at support@killdebt.com of any unauthorized use.

  4. License; Personal Use & Anti-Redistribution

    All documents, videos, templates, forms, strategies, and other materials (“Materials”) are licensed to you for personal, non-commercial use in your own debt- or credit-related matters.

    You may not:

    • Share, sell, resell, sublicense, or publicly distribute any Materials;

    • Upload them to other websites or AI tools;

    • Use them to create competing products or services.

    We may monitor download activity to prevent misuse. If your activity exceeds ordinary personal use (“Excessive Download Activity”), we may require written assurance of compliance or suspend access without refund.

  5. Use of Services & Community Conduct

    Use the Services only for lawful purposes related to your membership.
    Prohibited conduct includes hacking, scraping, spam, AI-abuse, or using automation to distort usage data. Violations may result in suspension or termination.

    Community Guidelines:
    Be respectful in discussions. Harassment, spam, hate speech, or solicitation are prohibited and may result in removal.

  6. Payment, Subscriptions & Refunds

    Billing: Charges occur immediately upon purchase or renewal.
    Renewals: Memberships renew automatically unless canceled before the renewal date.
    Cancellation: You may cancel anytime through your account settings. Access remains active until the end of the billing period.
    Refunds: Due to the immediate access granted to digital materials, all sales are final and non-refundable, except where required by law or explicitly stated in a promotion.
    Pricing Changes: We may update prices with prior notice.

  7. AI & ParkerGPT

    Parts of the Service use artificial intelligence, including ParkerGPT, to analyze documents, generate responses, or create draft templates.
    While ParkerGPT is trained by attorney Brian Parker and designed for educational accuracy, AI outputs may contain errors or omissions.
    You agree to verify all content before relying on it and assume full responsibility for how you use AI-generated information.

  8. No Guarantee of Outcomes

    KillDebt and ParkerGPT provide tools and educational strategies that have helped many users successfully navigate debt and collection issues.
    However, results are not guaranteed.
    Outcomes depend on your individual facts, jurisdiction, filings, and compliance with applicable laws.

  9. Intellectual Property

    All content, software, trademarks, and branding - including KillDebt, KillDebt.ai, and ParkerGPT - are owned by CollectionStopperMembership, LLC and protected under U.S. and international intellectual property laws.

    You may not reproduce, modify, or distribute any portion of the Services or Materials without written permission. All rights not expressly granted are reserved.

  10. User Content & Uploaded Materials

    By uploading or submitting documents, text, or other materials, you represent that you have the right to do so and grant KillDebt a non-exclusive, royalty-free license to process and display the materials for the purpose of providing the Service. You may not upload illegal, defamatory, or infringing content.

  11. Software & Technical Terms

    If any part of the Service requires software or browser-based applications, we grant a limited, personal, non-transferable license for use solely with the Service. You may not reverse engineer, modify, or distribute such software.
    We may collect technical data for performance, security, or improvement purposes.

  12. Copyright & DMCA Notices

    If you believe material accessible through our Services infringes your copyright, please email support@killdebt.com with:

    1. Your physical or electronic signature;

    2. Identification of the copyrighted work claimed to be infringed;

    3. URL or location of the infringing material;

    4. Your contact information; and

    5. A good-faith statement, under penalty of perjury, that the notice is accurate.

    Knowingly submitting false claims may result in liability.
    Counter-notices must comply with applicable DMCA requirements.

  13. Disclaimer of Warranties

    The Services and Materials are provided “as is” and “as available”, without warranties of any kind, express or implied - including merchantability, fitness for a particular purpose, accuracy, or non-infringement.
    We do not guarantee uninterrupted operation or error-free access.

  14. Limitation of Liability

    To the fullest extent permitted by law, CollectionStopperMembership, LLC, its owners, officers, employees, and agents are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages - including loss of data, profits, goodwill, or other intangible losses - arising out of or related to your use of the Services.

    Our total liability for all claims shall not exceed the amount you paid (if any) for access to the Services in the 12 months preceding the claim.

  15. Indemnification

    You agree to defend, indemnify, and hold harmless CollectionStopperMembership, LLC, its affiliates, officers, employees, and agents from any claims, damages, or expenses (including attorneys’ fees) arising from your use of the Services, uploaded content, or violation of these Terms or applicable law.

  16. Termination

    We may suspend or terminate your access, with or without notice, for violation of these Terms, suspected misuse, or unlawful activity.
    Upon termination, your license ends immediately, and you must cease use of all Materials. No refunds are provided for terminated accounts.

  17. Changes to Terms & Services

    We may modify these Terms or any part of the Services at any time.
    Material updates will be posted on the website (and, if appropriate, emailed).
    Continued use after updates constitutes acceptance of the revised Terms.

  18. Communications

    By using the Services, you consent to receive transactional and administrative communications (such as receipts, billing notices, and service updates).
    You may opt out of marketing emails at any time.

  19. Governing Law & Venue

    These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes shall be resolved exclusively in the state or federal courts of Duval County, Florida, and you consent to their jurisdiction and venue.

  20. Miscellaneous

    Nothing in these Terms creates a partnership, employment, or agency relationship.
    If any provision is held invalid, the remainder remains in effect.
    Failure to enforce any term is not a waiver.
    You may not assign these Terms without our written consent.
    These Terms constitute the entire agreement between you and CollectionStopperMembership, LLC

  21. Contact Us