Estimates are based on prior results. Individual results will vary and are based on circumstances including your ability to save funds. Settlement percentages exclude program fees. We do not guarantee that your debts will be lowered by a specific amount or that you will be debt free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors, provide tax or legal advice or credit repair services. Read and understand all program terms prior to enrollment including potential tax consequences and adverse credit rating impact. Not all clients successfully complete settlement programs due to individual circumstances and ability to fund the program.