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Not everyone is qualified for the services offered, and services are not available in all states. Your individual situation will determine: 1) which service (if any) you should choose; 2) whether you will successfully complete that service; 3) whether any creditor will file a lawsuit to collect a debt from you; and 4) when any settlement agreement will be reached. Read and understand all contract terms before signing. We will not assume your debts, make monthly payments to your creditors, or repair your credit. There may be adverse tax consequences resulting from debt forgiveness; please consult a tax professional—we do not provide tax advice. We are not a law firm and do not provide legal advice. Testimonials are from actual clients and to protect our clients’ privacy all photos are representative. All estimates provided are based on past results; creditors may change their rules or policies at any time, therefore we cannot provide any guarantees of future results or expectations of performance.