We may record or monitor calls for quality assurance and training. Clients who stick with the program and settle their debts can save about 46% before fees, or 25% including our fees, over 24 to 48 months. Results are based on debts enrolled; not all debts qualify. Some clients may not finish the program due to various reasons, like their ability to save enough money. These are estimates based on past results, which can differ depending on individual circumstances. We can't promise a specific reduction in your debts or that you will be debt-free in a specific timeframe. We do not take on consumer debt, make payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. Our services may not be available in all states. Please consult a tax professional about the potential tax implications of settlement, and discuss bankruptcy with a bankruptcy attorney. Depending on your location, we might recommend a local tax expert and/or bankruptcy attorney. Make sure to read and understand all program materials before enrolling, especially regarding any possible effects on your credit score. This website uses "cookies" to improve your browsing experience and for marketing and tracking. By continuing to use our site, you agree to this. For more details, see our Terms and Privacy Policy.