* 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. Neither we nor FDR guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. FDR does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. 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. C.P.D. Reg. No. T.S.12-03825. This service is not available in all states, including New Jersey, and fees may vary from state to state. Clients pay no fees until a debt is negotiated. Clients will know when fees are charged because they will approve every deal. Once a settlement is reached with a creditor, FDR immediately contacts the client for authorization. After the client authorizes the settlement, the fee associated with the debt is processed. All fees associated with the program are included in the monthly savings quoted to you by a debt consultant. The fees usually range from 15% to 25%, but the rate may vary depending on your state of residency.