By completing your purchase, you acknowledge and agree to the following:
1. Educational Use Only – Not Legal Advice
Second Chance Credit & Consulting is not a law firm and we do not employ attorneys. All content provided is for educational purposes only to help you understand your rights and options under Louisiana law. Nothing in this product should be considered legal advice or a substitute for professional legal counsel.
We do not guarantee any particular outcome and do not represent you in court. If you need legal advice, please contact a licensed attorney in your area.
2. Intended Use – For Debt Collectors Only
This product is intended solely for individuals who are being sued or garnished by third-party debt collectors—not by original creditors, government agencies, or the IRS.
Our materials are not to be used:
Against the IRS
Against any government agency
Against original creditors (e.g., credit card companies, banks, loan providers)
In child support cases
This course was built specifically to address judgments and garnishments pursued by debt collectors, which are non-government companies that purchase debts and attempt to collect on them.
If you’re unsure who is suing or garnishing you, please visit our homepage at www.secondchancecreditconsulting.com and click the blue chat bubble to get assistance before using the product.
3. No Liability for Your Use
By purchasing this product, you accept full responsibility for how you choose to use the information provided. Second Chance Credit & Consulting is not legally liable for the actions you take, the documents you file, or the results of any legal proceedings that may follow.
We provide the tools and educational support—you control the decisions and actions.
4. No Copying or Redistribution
All content, templates, course material, videos, and strategies included in this purchase are trademarked and copyrighted by Second Chance Credit & Consulting. This material is for your personal use only.
You are not permitted to copy, share, sell, distribute, or reproduce any part of this product in any form—digitally, physically, publicly, or privately.
Violation of this policy may result in legal action.
5. All Sales Are Final
Due to the instant access to digital materials, all sales are final. We do not offer refunds or exchanges under any circumstances.
By completing your purchase, you confirm that you:
Understand this is for educational use only and not legal advice
Acknowledge this product is only for use against debt collectors
Accept full responsibility for your own legal actions and filings
Agree not to copy, distribute, or resell any content
Agree that all sales are final