Partner Programs can range from as little as 24-48 months. Estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. Partners do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Partners do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Partner services may not be available in all states, and fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. 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. Read and understand all program materials prior to enrolling.