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*Debt settlement is a negotation process and therefore it is not possible to predict exact savings. Not all clients complete our program for
various reasons, including their ability to save sufficient funds. Estimates 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. Not available
in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment,
including potential adverse impact on credit rating. For more details on our disclaimer click here.