Disclosures Program fees are calculated within the program’s payments and depend on the amount of debt entered in the program. Payment and settlement figures are calculated based on most recent program completion information. 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. Although credit is typically being negatively affected prior to entering the program, credit will be effected in the program as well. We do not assume consumer debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting, or legal advice. Please ask your debt settlement counselor about the effects of the program and how the program will benefit you compared to other debt resolution programs available. Our goal is to help clients improve their credit worthiness, and save the most amount of money and time in reaching the ultimate goal of becoming debt free. Non-Serviced States: Colorado, Connecticut, Idaho, Illinois, Kansas, North Carolina, Ohio, Oregon, South Carolina, Washington State, West Virginia, Wisconsin