*DISCLAIMER: We are not a law firm or a substitute for an attorney or law firm. We cannot provide any kind of advice, explanation, opinion, or recommendation about possible legal rights, remedies, defenses, options, selection of forms or strategies. Consumers who are able to complete our program and get all of their debts settled realize approximate savings of 18%-25% and settle their debts within 12-48 months. Not all consumers complete the program for various reasons, including their ability to save sufficient funds. Not all creditors or debt collectors will accept a reduction in the balance of interest rates, or fees a debtor owes the creditor or debt collector. Estimates are based on prior results which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional or attorney to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Following our program guide will likely have a negative impact on your credit rating. DEBT SETTLEMENT LIKE BANKRUPTCY WILL NEGATIVELY IMPACT CREDIT SCORE. CREDIT COUNSELING PROGRAMS ARE OFTEN LESS AGGRESSIVE AND FOCUS ON FULL PRINCIPAL REPAYMENT IN CONJUNCTION WITH CREDITOR AGREEMENTS. FAILURE TO TIMELY PAY DEBT MAY RESULT IN A DECREASE IN CREDITWORTHINESS AND INCREASE IN DEBT OWED DUE TO INTEREST AND FEES.