DISCLAIMER: Read and understand the program before enrollment. The Financial Wellness Debt Relief (FWDR) program is unavailable in all states and fees may vary from state-to-state. We do not guarantee your debts will be resolved within a specific time or for a particular amount or percentage. However, negotiated settlements that we obtain will resolve the entire account, including all accrued fees and interest. Clients who end up making all of their monthly program deposits will pay approximately 65-75% of their original enrolled debts over 18 to 60 months. Not all clients are able to finish their program for various reasons, including an inability to save enough funds. Estimates are based on actual prior results, which will always vary depending on your specific circumstance, including your enrolled creditors and program terms. Using debt relief services will likely adversely affect your credit, may subject you to collections or lawsuits by creditors or collectors, and may increase the overall balances of your enrolled accounts due to accrued interest and fees. FWDR does not assume your debts or make monthly payments to your creditors. We do not provide tax, bankruptcy, accounting, legal advice or credit repair services. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution.