Disclaimer

Effective Date: 09/17/2026 Last Updated: 09/17/2026

Please read this Disclaimer carefully. It applies to all content on renegadecreditstrategies.com (the "Site") and to any interactions you have with Renegade Credit Strategies, owned and operated by Juan C Walker Trust ("Company," "we," "us," or "our"), prior to entering into a signed written service agreement.

1. General Information Only

The information provided on this Site — including service descriptions, blog content, founder and team biographies, and any client stories — is for general informational and educational purposes only. It is not intended to be, and should not be relied upon as, legal, tax, financial, credit counseling, or investment advice specific to your situation.

2. Not a Law Firm; Not a Credit Counseling Agency

Renegade Credit Strategies is not a law firm and does not provide legal representation or legal advice. We are not a licensed credit counseling agency, a consumer reporting agency, a lender, or a debt collector. Nothing on this Site or communicated by our team should be construed as legal advice. If you need legal advice, please consult a licensed attorney in your state.

3. No Guarantee of Results

Credit outcomes vary by individual. Your credit history, the accuracy of information reported to the credit bureaus, the policies of your specific creditors, applicable state and federal law, and your overall financial circumstances all affect what is achievable in your case. We do not and cannot guarantee:

- That any specific item will be removed from your credit report;

- Any specific increase in your credit score, or any timeframe for improvement;

- Any specific debt settlement amount, percentage, or timeline;

- Any particular outcome in a creditor lawsuit or collection matter;

That any asset protection strategy will fully shield a given asset from every possible creditor claim, particularly with respect to debts incurred through fraud or in violation of law, or transfers made in an attempt to defraud existing creditors.

Accurate information cannot be removed. Federal law does not permit the removal of accurate, complete, and timely information from a credit report simply because a consumer requests it or because doing so would be beneficial. Our credit restoration services focus on identifying and disputing information that is inaccurate, incomplete, outdated, or unverifiable.

4. Founder's Story Is Personal, Not Representative

References on this Site to the personal credit and financial history of our founder, Juan C. Walker — including specific credit scores, debts resolved, and the absence of bankruptcy, asset loss, or wage garnishment in his personal experience — describe his individual history over a period of years under his specific circumstances. This history is shared to illustrate our philosophy and experience. It is not a representation, prediction, promise, or guarantee of the outcome any client will achieve, and it should not be relied upon as such. Your circumstances are your own, and your results will depend on factors unique to your situation.

5. Client Stories and Testimonials

Any client stories, testimonials, or case studies featured on this Site reflect the specific, individual experiences of those clients. They are not necessarily representative of what any other client has experienced or will experience. Past results do not predict or guarantee future results for you or any other individual.

6. Your Right to Dispute Credit Information Yourself

You have the right, under the Fair Credit Reporting Act, to dispute inaccurate or incomplete information directly with the credit bureaus (Equifax, Experian, and TransUnion) and with the furnishers of that information, at no cost to you. You are not required to hire a third party to exercise this right.

7. Debt Settlement Considerations

Negotiating and settling debts for less than the full balance owed may have consequences you should understand before proceeding, including but not limited to:

- Forgiven debt may be considered taxable income by the IRS and reportable via Form 1099-C;

- Settlement activity may negatively affect your credit in the short term;

- Creditors are not obligated to accept a settlement offer or to negotiate at all;

Some creditors may continue collection efforts, including litigation, during a settlement process.

We encourage you to consult a qualified tax professional and, where appropriate, an attorney before pursuing debt settlement.

8. Asset Protection Planning Considerations

Asset protection planning uses lawful legal structures — such as trusts, business entities, and titling strategies — established as part of prudent, forward-looking financial planning. Asset protection planning is not a means of evading valid debts, hiding assets from a court, or defrauding existing or reasonably foreseeable creditors, and transfers made with fraudulent intent may be unwound by a court (including under the Uniform Fraudulent Transfer Act or Uniform Voidable Transactions Act as adopted in your state), regardless of the structure used. The effectiveness and legality of any asset protection strategy depends heavily on timing, your existing creditor exposure, and applicable state and federal law. We strongly encourage independent legal counsel review of any asset protection strategy before implementation.

9. No Attorney-Client or Fiduciary Relationship

Your use of this Site, and general communications with our team prior to signing a written service agreement, do not create an attorney-client relationship, a fiduciary relationship, or any other professional relationship. A service relationship with Renegade Credit Strategies begins only upon execution of a written agreement setting forth the specific services, fees, and terms applicable to your engagement.

10. Consumer Rights Notice

If you engage our services, applicable law (including the federal Credit Repair Organizations Act and Florida's Credit Service Organizations Act, where applicable) entitles you to specific protections, which will be set out in your written service contract, including but not limited to:

- A written contract describing the services to be performed;

- The right to cancel your contract without penalty or obligation within three business days of signing;

- The right not to be charged for services until those services have actually been performed;

A written notice of your credit file rights under state and federal law, provided prior to signing.

11. Changes to This Disclaimer

We may revise this Disclaimer from time to time. The "Last Updated" date above reflects the most recent revision.

12. Contact Us

Renegade Credit Strategies, 3190 Southfork Drive Pace, FL 32571, Phone: (850) 332-4106‬, Email: [email protected]