Our estimates are based on pior results, which will vary depending on your specific enrolled creditors and your individual program terms. We do not gaurantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, according or legal advice or credit repaire services. We do not offer debt settlement services in all states and fee may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthness, may result in your being subject to collections or being sused by creditors and may increase the outstanding balances of all your enrolled accounts due to the accrual of fees and interst. However, negotiated settlements we obtain on your befalf resolve the entire account, including all accured fees and interest.