By providing your contact information, you agree to receive return telephone calls, emails or other communications from us and/or our affiliates and expressly waive any “No Call” preference or registration. Clients who make monthly program payments generally experience approximatly a 50% reduction of their enrolled balance before fees, or approximately a 35% reduction after payment of settlement fees over a 24-48 month period, not including optional additional services such as FDCPA protection provided by a law firm. Individual results may vary based on ability to save sufficient funds and complete the program and the creditors enrolled. Statements made are examples of past performance and are not intended to be a guarantee that your debt balances will be lowered by a specific amount or percentage, that you will be debt free within a specific time period, or a guarantee of future settlement results. Settlement fees are not charged until a debt is reduced and payment has been made to creditor. While our programs work aggressively to reduce your debt balances and creditors usually settle, they are under no contractual obligation to accept settlement offers. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice and we do not provide credit repair services. Legal advice and services are provided by affilated attorneys. Please contact a tax professional to discuss any possible tax consequences of paying less than the full balance. Programs not available in all states. Read and understand all program materials prior to your enrollment.