Privacy Policy & Terms of Use

Terms and Conditions

No Professional-Client Relationship

The information on this website is for general informational purposes only and does not constitute legal or financial advice. Your use of this website — including submitting forms or scheduling a Strategy Session — does not create an attorney-client, CPA-client, or Enrolled Agent-client relationship. Such a relationship is only established through a written engagement agreement signed by an authorized representative of SBA Problem Solver.

Authorization & Power of Attorney

To provide representation services — including communicating with the SBA, the U.S. Treasury's Bureau of Fiscal Service, or any assigned Private Collection Agency on your behalf — we require a properly executed SBA-authorized Power of Attorney (Form 2848 or equivalent SBA authorization form, as applicable). Execution of authorization documents grants SBA Problem Solver the authority to represent you before the relevant government agencies. Authority to sign documents on your behalf requires a separately executed Power of Attorney.

AI Technology Disclosure

In accordance with our commitment to transparency, this website utilizes AI technology. This includes, but is not limited to, the generation of certain imagery, video content, and initial data analysis tools. AI-generated content is for illustrative and efficiency purposes and is reviewed by our professional staff before use.

Limitation of Liability

SBA Problem Solver is not liable for any damages arising out of the use or inability to use the materials on this site. While we strive for accuracy, SBA regulations, Treasury collection policies, and applicable laws change frequently. We do not warrant that materials on this website are current or error-free.

Privacy Policy

Information We Collect

We collect information you provide directly to us, including:

• Contact Information: Name, email address, and phone number.
• Business & Financial Data: SBA or EIDL loan amounts, loan numbers, default notices, Treasury or Bureau of Fiscal Service correspondence, and financial history relevant to your SBA debt situation.
• Authorization Data: Information required to execute a Power of Attorney or SBA authorization form, which may include your Social Security Number, Taxpayer Identification Number (TIN), or Employer Identification Number (EIN).

Use of Your Information

We use your information to:

• Conduct initial SBA Case Reviews and Financial Account Reviews (FAR).
• Communicate with the SBA, U.S. Treasury, Bureau of Fiscal Service, and assigned Private Collection Agencies on your behalf once authorized via Power of Attorney.
• Develop your personalized SBA Debt Resolution Strategy.

Security of Sensitive Data

Due to the sensitive nature of SBA debt resolution, we handle highly sensitive data — including loan account numbers, financial statements, and personal identifiers — with industry-standard encryption and secure server protocols. Access to your personal information is strictly limited to team members who require it to perform their professional duties.

Third-Party Sharing

We do not sell, trade, or rent your personal information to third parties. We only share information with the SBA, U.S. Treasury, Bureau of Fiscal Service, or assigned Private Collection Agencies as authorized by you through executed Power of Attorney or equivalent SBA authorization documents, or with secure third-party service providers (such as CRM or billing platforms) necessary for our operations.

Contacting Us

If you have any questions or concerns regarding these Terms and Conditions or our Privacy Policy, please contact us immediately. You may reach a member of our team by dialing any phone number listed on this website.

Attorney Advertising Disclaimer

SBA Problem Solver provides legal and strategic representation through its founding attorney, Larry Heinkel, J.D., LL.M. References to case outcomes, resolved loan amounts, or client results on this website and in our marketing materials are provided for illustrative purposes only and do not represent a guarantee or prediction of results in any other case.

Regulatory & Compliance Disclosure

Overview of Compliance

In accordance with applicable regulations governing attorney conduct and enrolled agent standards, we are required to inform you that any legal or tax-related advice contained in this communication — including any attachments — is not intended or written to be used, and cannot be used, for the purpose of:

• Avoiding penalties that may be imposed under the Internal Revenue Code; or
• Promoting, marketing, or recommending to another party any transaction or matter addressed herein.

Scope of Information

The information provided by SBA Problem Solver through this website, email, or marketing materials is for general educational purposes. SBA regulations, Treasury collection policies, and applicable laws are subject to frequent change and varying interpretations by the SBA, the Bureau of Fiscal Service, and other relevant authorities.

Authorization & Representation

Until such time as a formal engagement letter is signed and a Power of Attorney or equivalent SBA authorization is executed and accepted, SBA Problem Solver does not represent you. Any Strategy Session or initial Case Review results are preliminary and based solely on the information provided by you at the time of intake.