Notice to Consumer

Dear Consumer,

In recent days, there has been flurry of news activity regarding unscrupulous practices in the debt settlement business. We would like to take this opportunity to help alleviate some concerns that you may have regarding your debt settlement program or your potential debt settlement program.

Debt Settlement is in no way an easy method of addressing your debt problems. Debt Settlement takes a commitment on both our parts to work together towards creating a debt settlement program, which works best with your specific financial situations. We make no guarantees, we only promise to put forth our best effort on your behalf. You, as the consumer, must put forth the effort to save according to your plan and, if possible, put extra money towards your savings.

Other companies may guarantee you a savings of up to 50% or more, but we do not. If it sounds too good to be true it probably is. No two financial situations are the same and thus we will not even attempt to give you a ballpark figure because the reality is: we simply won’t know what your creditors are willing to do until we start negotiating with them. We want our clients to know exactly what they should expect from the process and to that extent provide the fullest disclosure possible. So here is our full disclosure that other companies won't tell you. In a debt settlement program:

• you will receive collection calls as your debt settlement program is being negotiated
• you will incur late fees until a settlement with your creditor is reached
• you cards will still incur interest
• you could be subject to a lawsuit 
• and, any reduction in debt of over $600 could be subject to income tax

Again, Debt Settlement isn't easy and it isn't for everyone. It is, however, an alternative option to bankruptcy. If you can afford the payments of the program and put forth the effort to save extra money each month, then Debt Settlement may work for you. Again, we don't make guarantees. The road will be tough, but we are here to help you.

You will receive pressure from your creditors. They may tell you they don't work with us. They may tell you they haven't heard from us. They may even tell you to file a complaint against us. We can tell you directly, that we work with most creditors, and if we can't get some form of a settlement or payment plan with your creditor, we'll refund your fees for that account.

As for fees, we do charge a fee. Our fees are taken over the first half of your program. This is all explained in extreme detail in your enrollment paperwork and you will see a detailed accounting of how fees are taken. We incur significant expenses in working for you and employ a large staff of trained individuals, who specialize in debt settlement.

We look forward to working for and with you as you move towards attaining your financial goals. Please, challenge your sales representative. Ask the questions now, read the disclosures, and understand what you are signing up for. Debt settlement isn't for everyone. If you decide debt settlement may be the solution for you, then we will put forth our best effort for you each and every day of our partnership.

Individual results may vary and are dependent upon several factors including individual circumstances, creditors' willingness to settle, successful completion of the program and the ability to save funds. Creditors Relief Debt Settlement Program does not assume or pay any debt, nor does it provide legal advice or offer credit repair. Debt Settlement Program is not available in all states. Read and understand the terms of the contract before enrolling.

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