"When we negotiate your credit card debt, an offer in compromise for less than you owe is received on your credit card balances."

Enrollment of debts in the Program may have an adverse effect on Client’s credit rating, credit report and credit worthiness. Upon completion of the Program, a debt settled for less than the full amount owed may result in a negative notation on Client’s credit report. If Client fails to make minimum monthly payments to creditors while participating in the Program, Client’s accounts will likely incur late charges, interest, and other penalties, and account balances will increase. Also, creditors will make collection efforts during the Program, which may include harassing telephone calls, letters, lawsuits, and garnishments.Our clients who make all their monthly program payments pay approximately 42% of their enrolled balance before fees, or 56% including fees, over 24 to 48 months. Not all of our clients are able to complete their program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your 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 their 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 your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. This site is owned and operated by National Settlement Services.