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This company does not actually provide any debt settlement, debt consolidation, or other credit counseling services. We ONLY refer you to companies that want to provide some or all of those services. On average, consumers who successfully complete a debt relief program see average savings of 40% to 60% of their enrolled debt load before program fees. Program fees are calculated based on a percentage of your enrolled debt and typically range from 14% to 27%. Programs are not available in all states, and fees may vary by state. Programs typically run from 24 to 48 months, depending on a consumer's debt load and individual circumstances. Consumers must save at least 25% of the total amount of each enrolled debt before a debt relief company can make a bona fide settlement offer to a consumer's creditors. Settlements typically occur every 3 to 6 months, with clients receiving their first settlement within 4 to 7 months of enrollment. Although we cannot guarantee specific results, we work closely with consumers to ensure they are connected with a debt relief provider that can achieve their best possible outcomes. We do not assume clients' debts, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. Please contact a tax professional to discuss the tax consequences of debt relief and a bankruptcy attorney for more information on bankruptcy. Please note that using debt relief services will likely have an adverse effect on your credit, and you may face collections or lawsuits from creditors or collectors. Additionally, your outstanding debt may increase due to the accrual of fees and interest. Before enrolling, it is essential to read and understand all of your program terms, conditions, and materials. Please note that certain types of debts may not be eligible for enrollment. Also, some creditors may not be eligible for enrollment because they do not negotiate with debt relief companies. Card Member Services Financial Group and/or its affiliates operate under various state licenses and registrations.