Cancellation & refund policy

1. Send your request

Email carsonfinancialassociates@gmail.com or mail your request to the address below. Include your name, contact details, and enough information to identify the service agreement or billing concern. Do not include account numbers, Social Security numbers, or payment-card details.

Call 321-265-7725 for help. This process does not limit legal cancellation rights or deadlines.

2. Cancellation and refund eligibility

This policy applies to Carson’s debt settlement program, including account review, strategy, negotiation, and hardship evaluation. Read it with your written service agreement. Initial online inquiries are free.

If applicable law provides a cancellation period, give notice in the required manner within that period. Payments due back under that right will be refunded as the law requires.

Otherwise, the agreement and applicable law determine any refund. Only lawfully earned fees may be retained, subject to your cancellation and refund rights. Unearned or improperly collected amounts remain subject to refund requirements.

3. When fees are earned

No debt settlement service fee is collected in advance where prohibited by law. Where the federal Telemarketing Sales Rule applies, a fee is collected only after:

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

Fees for multiple debts are earned according to applicable law and are not front-loaded.

A consultation, account review, hardship evaluation, or administrative task alone does not override debt settlement fee restrictions.

4. Refund timing and creditor funds

We review your agreement and payment records to determine the amount due. Required refunds must meet applicable legal deadlines; internal review does not extend them. Contact us for the status and return method. Bank posting times may vary.

Creditor payments are separate from Carson’s service fees. This policy does not change your settlement agreement with a creditor.

If a dedicated account is required for services covered by the federal Telemarketing Sales Rule, its funds belong to you. You may withdraw from services without penalty. Remaining funds, less fees lawfully earned under the Rule, must be returned within seven business days of your request. Company approval is not required for that right.

5. Refund and billing questions

Contact us about a charge or refund. Doing so does not restrict your right to contact your bank, dispute a charge, or use other legal remedies.