Cancellation & refund policy

What this policy covers

This policy covers the debt settlement services provided by Nereida & Wynn Financial Collective, including debt reviews, creditor negotiations, and hardship reviews. Your written service agreement and applicable law determine the cancellation and refund terms. There is no charge for an initial online inquiry.

Understanding service charges

We do not collect debt settlement fees ahead of time when the law prohibits doing so. For services covered by the federal Telemarketing Sales Rule, all three conditions must be met before a fee is collected:

1. A debt has been successfully settled or otherwise resolved.
2. You have approved the settlement in writing.
3. You have made at least one payment under that settlement.

When several debts are enrolled, fees must be earned in accordance with the law, without front-loading. Reviewing accounts, discussing options, assessing hardship, or completing administrative work alone does not bypass these restrictions.

Determining what can be refunded

Any legal cancellation period applies regardless of this policy. Give notice within that period using the method required by the applicable law; amounts due back under that right will be returned as required.

Outside such a cancellation right, we assess refunds under your agreement and applicable law. We may retain only fees that were lawfully earned and that your cancellation and refund rights allow us to keep. Unearned fees and improperly collected payments are subject to applicable refund requirements.

Sending a request

Send a written cancellation or refund request by email to nereidafinancialcollective@gmail.com, or by mail to:

Include your name, a way to contact you, and enough detail to identify your agreement or the charge in question. Leave out Social Security numbers, account numbers, and payment-card details. For help preparing your request, call (863) 733-5396.

These instructions do not reduce a legal cancellation right or change its notice requirements or deadlines.

Review and return of payments

We check your service agreement and payment history to establish any refund due. Our review must not delay a refund beyond a legal deadline. You can contact us for the status of your request and the method of return; posting times depend on the bank.

Payments toward a creditor settlement are separate from our service charges. Cancelling our services or requesting a refund does not amend an agreement you have made with a creditor.

Money in a dedicated account

If services covered by the federal Telemarketing Sales Rule require a dedicated account, the money in that account belongs to you. You may leave the services without a penalty. Remaining funds, minus fees lawfully earned under the Rule, must be returned within seven business days of your request. This right does not depend on our approval.

Questions about a charge

Use the contact details below for billing or refund support. You remain free to contact your bank, dispute a charge, or pursue other legal remedies; contacting us does not limit those rights.