Read and understand the program before enrollment. Our program is unavailable in all states and fees may vary from state-to-state. We do not guarantee your debts will be resolved within a specific time or for a particular amount or percentage. Not all clients are able to finish their program for various reasons, including an inability to save enough funds. Estimates are based on actual prior results, which will always vary depending on your specific circumstance, including your enrolled creditors and program terms. Using debt settlement services will likely adversely affect your credit, may subject you to collections or lawsuits by creditors or collectors, and may increase the overall balances of your enrolled accounts due to accrued interest and fees. We do not assume your debts or make monthly payments to your creditors. We do not provide tax, bankruptcy, accounting, legal advice or credit repair services. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution.