Estimates are based on prior results. We do not assume consumer debt, make monthly payments to creditors, provide tax or legal advice or credit repair services. Read and understand all program terms prior to enrollment including potential tax consequences. Failing to make monthly payments to creditors may result in an adverse credit rating impact, increased interest rates and fees added to balance owed and increased collection efforts including potential legal action by creditors. We do not guarantee that your debts will be lowered by a specific amount or that you will be debt free within a specific time. Individual results vary and not all clients successfully complete programs due to individual circumstances and ability to save sufficient funds. Not all creditors may negotiate or provide settlement offers and full program participation is required. "Live Debt Free" refers to our company belief that consumers should live without debt and does not imply any guarantee. Services not available in all states. Website content does not apply to Canadians. Debt Point Canada can be reached at 888-705-3328 or www.debtpoint.ca