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Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on a customer's specific circumstances. Due to each individual creditor's policies that a customer is indebted with, we do not guarantee that any customer's debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume customer's debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees 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 a customer's creditworthiness, may result in the customer being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of the enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on the customer's behalf, resolves the entire account, including all accrued fees and interest.