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In accordance with relevant law, you pay no upfront fees and owe nothing until your debt is resolved. “Resolved” means that our partners have negotiated with creditors to settle your debt. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 20% including fees. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. 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. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be able to recommend a local tax professional and/or bankruptcy attorney. Not all creditors will negotiate debt resolution with third parties and some creditors will only negotiate under certain circumstances, such as a charge-off. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.  To determine the offers you may be eligible, we may conduct a soft credit pull” This pull is similar to what other financial services companies do prior to making initial offers.