(A) There is no guarantee that any particular debt or all of your enrolled debt will be reduced, eliminated, or otherwise settled.

(B) The deposits made by the user of these services will not be distributed to the creditor until a settlement is obtained. This may take months to achieve.

(C) If you stop paying any creditor, any of the following may occur:

1. The creditors may still try and collect.
2. The creditors may sue.
3. If a creditor obtains a judgment against you, the creditor may garnish your wages or levy you bank account or accounts.
4. Your credit score or credit rating may be negatively impacted.

(D) Failing to pay debts on time may adversely affect your credit rating or credit scores.

(E) Specific results cannot be predicted or guaranteed, and MyDebtRelief cannot require a creditor to negotiate or settle a debt.

(F) You may cancel the debt settlement and related services at any time without any penalty.

(G) Debt settlement services may not be suitable for all individuals.

(H) Bankruptcy may provide an alternative to debt settlement.

(I) Canceled debt may be counted as income under federal tax law, and you may have to pay income taxes on the amount of forgiven or reduced debt.

(J) Many sources of income may be protected from debt collections. Common sources of protected income include disability insurance benefits, life insurance benefits, military benefits, pension plans, retirement benefits, public assistance, social security benefits, supplemental security income (SSI), unemployment benefits, veterans benefits, workers compensation, and student aid. See form E3-155 from the Judicial Council for a complete list.

(K) There is no way to estimate the number of months it will take to completely resolve your debts when you the user are going at your own pace.

(L) While settlement guidelines differ widely among credtitors, in our experience an accumulation of 25% of the then current balance of the debt will normally enable you to make a good faith offer to settle that debt. Further, in our experience, it typically takes approximately 120-180 days before reaching the stage at which we can begin reaching out to creditors or collectors and achieve your first settlement. If you have multiple debts, we typically will make a settlement offer to the next creditor within 3 - 6 months of the prior debt being settled. and after you have saved at least 25% of the debt due to that next Creditor. This is just an estimate based on past results, and is not intended, nor is it possible, to apply to every case. Individual circumstances will necessary cause some variation as to when this can occur.

(M) myDebtRelief does not receive affiliate referral fees.