accs free info kit

2 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday

ameriCanCreditCardsolutions

importantinformationaboutthisKit

Pleasenotethattheinformationcontainedhereinissolelyintendedforeducationalandinformational

purposes.itisnotintendedtobereliedonaslegaladvice,orbeusedinamannerspecifictoany

personalsituation.Byacceptingandreviewingthisinformation,thereaderagreesnottorelyonsuch

foranythingotherthangeneralinformationabouthowcertainprogramswork,andagreesthatno

relationshiporobligation,eitherexpressorimplied,arisesbetweenthepublisher,distributorandthe

reader.thereaderisexpresslyencouragedtoseekprofessionalguidancespecifictotheirsituation

priortomakinganydecisionaboutprogramsorsuitabilityofsuch.thispacketofinformationisnot

legaladvice,anddoesnotprovidebankruptcyadviceorcounseling,butifsuchisrequiredthereader

shouldconsultwithanattorneylicensedintheirjurisdiction.

allinformationcontainedhereiniscopyrighted

©2010americanCreditCardsolutions,d/b/aProdebtco,llC

allrightsreserved.reprint,republicationordistributioninwholeorpartprohibited.

HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 3

introduCtoryPaCKage

American Credit Card

Solutions takes a

consultative approach

in helping people find

the best solution to their

debt problem. For this

reason, we have offered

this free Information Kit

for those seeking help.

Get the help you deserve

to pick the best available

option. Learn how to free

yourself of credit card

debt once and for all.

We will complete a

creditor and budget

analysis for absolutely

free. Once completed, we

will clearly explain your

options and give you the

information you need

to make an educated

decision.

No Hard Sell

No Pressure

Just the Facts

Table of ConTenTsintroduction 4

lawfirmlossmitigationProgram 5

debtmanagementProgram 7

debtConsolidationloan 9

Bankruptcy 11

maintainminimummonthlyPayments 13

5stepstosuccess 15

BudgetWorksheet 16

notes 17

4 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 5


Congratulations and thank you for calling American Credit Card Solutions for your Debt Relief Information Kit.

Take the First Step!

Call today!1-866-895-6419

InTroduCTIon

Congratulations on taking the first step towards solving your credit card and/or other unsecured debt problem.

thisfreeinformationkitprovidesyouwiththebasicinformationyouneedtoselectthebestavailable

optiontoimproveyourpersonalfinancialsituation.

formostconsumersfacingfinancialhardshipcompoundedbysignificantcreditcarddebt,medicalbills,

orotherunsecureddebts,thereareseveraloptionsavailable:

• lawfirmlossmitigationProgram

• debtmanagementorConsumerCreditCounselingProgram

• debtConsolidationloan

• maintainminimummonthlyPayments

• Bankruptcy

therearemanyfactorstoconsiderwhendecidingwhichmethodofdebtresolutionisthebestforyou.

identifyingthebestapproachtoresolvingyourdebtcrisisdependsonthefollowing:

• typeofdebt • Creditorsowed

• amountofdebt • debthistory

• abilitytopay • valueofyourassetsandliabilities

Withsomanyvariables,decidingwhichprogramisbestforyoursituationcanbedifficult,ifnot

overwhelming.thisfeelingofbeingoverwhelmedoftenleadstoasenseofhelplessness.don’tallow

yourselftobeavictimof“paralysisbyanalysis”.encourageyourselftomethodicallyreadandstudythe

factspresentedinthisinformationKit.then,justasyouwouldwithanyimportantdecision,enrolla

trustedresourcetotalkthroughtheprosandconsofeachoption.inthedecision-makingprocess,there

isnosubstituteforhealthydiscussionwithsomeonewhotrulycaresaboutyoursituation.

DiD you know?Penalty fees from credit cards will add up to about $20.5 billion

in 2009, according to R. K. Hammer, a consultant to the credit card

industry. (Source: New York Times, September 2009)


introduCtoryPaCKage


Solutions takes a













We will complete a

creditor and budget






to make an educated

decision.

No Hard Sell

No Pressure

Just the Facts

law fIrm loss mITIgaTIon Program

This program is designed for people who are overwhelmed with credit card or other unsecured debt.

inthisprogram,youwouldbereferredtoalawfirmtoactonyourbehalftonegotiatewitheachofyour

creditorstosettleorforgiveaportionofyourdebt.thisdebtreliefoptioncanbringpowerfulresultsfor

qualifiedcandidateswhocompletetheprogram.

Benefits

•Paysignificantlyless(savingsmaybeashighas60%)*

•lowmonthlyprogrampayment

•termsavailablefrom12to48months

How it Works

Step 1: Approval:Candidatesfortheprogramarerequiredtomeetthelawfirm’scriteriaforhardship,

includingacreditorandbudgetreview.thelawfirmmustrevieweachsituationandacceptyouasa

client.

Step 2: Monthly Payments: onceaccepted,theprogramrequiresyoutomakeamonthlypaymentwhich

isplacedintoasavingsaccountinyourname.

Step 3: negotiate Settlements:onceyouhavebuiltupenoughfundsinyoursavingsaccount,thelaw

firmwillnegotiatewithyourcreditorstoforgiveaportionofyourdebtandobtainsettlementoffers.

Whenasettlementofferissecured,thelawfirmwouldcontactyouforapproval.

Step 4: offer Approval/Creditor Paid in Full:onceyouapprovetheoffer,youauthorizethefundstobe

usedtosettletheaccounttoazerobalanceandthecreditorwillsupplywrittenconfirmation.Process

steps2-4repeatuntileachcreditorispaid.

Drawbacks

debtnegotiationofferedthoughalawfirmoccurswhenthecreditorsareencouragedtoacceptlesson

thetotalamountowed.manycreditorsareopentosuchaplanasitisfarmorefavorablethanhaving

theentiredebtdischargedthroughbankruptcy.forconsumers,suchaplanofferstheopportunityto





Call today!1-866-895-6419

simplypayofftheircreditcards,onebyone,andbegintorebuildtheirfinanciallives.althoughenrolling

intoalawfirmlossmitigationprogrammaynotaffectyourcreditlikeabankruptcy,itwillhavea

negativeimpact.youmayalsoexperiencecreditorphonecallsandpossiblecreditorlawsuits.Creditors

arenotobligatedtoacceptsettlementoffers.forthesereasons,itisimportanttoenrollwithalawfirm

thatprovideslegalserviceswhenconsideringthistypeofprogram.

Do the Math

Whenanalyzingyoursituationyoushouldreviewyouroptionsand“dothemath”.takeacloselookat

theinterestrates,payments,andchartsonyourcurrentcreditcardstatements.Howlongwillittake

youtopayoffyourbalancesmakingminimumpayments?

forexample,ifyouowe$30,000tocreditcardcompanieswitha19%interestrate,andmakeminimum

paymentsonly,itwouldtakeyouapproximately40yearsandatotalof$81,000topayoffyourbalance.

ifyouenrollthesamedebtof$30,000intoalawfirmlossmitigationProgramandselectathreeyear

planwithanapproximatepaymentof$500amonth,yourpayoff,withdebtforgivenessfromyour

creditors(includinglegalfees),wouldbeapproximately$18,000.This option would save you $63,000

and 37 years!

*Individual results may vary based on consumer’s specific engagement with law firm, willingness of creditors to negotiate, ability to save funds, and types of debts. Law firms charge fees. Programs not available in all states. The chart below is for illustration purposes only, limited to a potential (not guaranteed or actual) result. It is not intended to compare the options between the bars, and instead simply to show one of many possible considerations for this type of program in each program. Other considerations and risks may exist, so review all program materials carefully and speak with the appropriate law firm representative to answer any questions.


introduCtoryPaCKage


Solutions takes a













We will complete a

creditor and budget






to make an educated

decision.

No Hard Sell

No Pressure

Just the Facts

debT managemenT

A Debt Management Program offers consolidation into one monthly payment by setting up a plan that could lower interest rates and end penalty fees.

However,unlikealawfirmlossmitigationprogram,thereisnoprincipalreductioninvolvedinadebt

managementProgram.youarerequiredtopay100percentofwhatyouowe.

ontheotherhand,becauseyouaremakinganefforttopayoffyourfulldebtbyenrollinginalicensed

debtmanagementprogram(ratherthantryingtonegotiatealowerpayoffamount,asinalawfirm

lossmitigationProgram),yourcreditorsmaybeabletoreduceyourinterestratesallowingmoreofyour

paymenttobeappliedtoprincipleandnotinterest.Byloweringtheinterestrates,youwouldbeableto

getoutofdebtfastermakingasimilarminimumpaymenttotheoneyouarerequiredtomakenow.if

youcannotaffordyourcurrentminimummonthlypayments,pleaselookatthelawfirmlossmitigation

ProgramorBankruptcyoptions.

Benefits

•Consolidatetoonemonthlypayment •interest-ratereductions

•nolatefees •noover-the-limitfees

•re-agingyouraccountstoacurrentstatus •reductionincreditorharassment

How it Works

Step 1: Approval: seekalicenseddebtmanagementProgramtoapply.Candidateswillberequiredto

qualifybycompletingacreditorandbudgetanalysis.

Step 2: Creditor Review: learnhowlowyourcreditorswillreduceyourinterestrates.

Step 3: Monthly Payments: onceaccepted,yourindividualmonthlypaymentsonyourqualifying

unsecureddebtwillbeconsolidatedintoasinglemonthlypayment.

Step 4: Re-distribute your Payment: yourmonthlypaymentwillbere-distributedtoyourcreditorson

yourbehalf.

Step 5: Creditor Statements: youwillcontinuetoreceiveyourmonthlystatementsfromyourcreditors

evidencingreceiptofyourpayments,andconfirmingyournewlowerinterestrates.

Drawbacks

Whenyouenrollinadebtmanagementprogram,proposalswillbesentouttoyourcreditorstorequest

yourbenefits.onceaccepted,thecreditorswillrequiretheaccountstobeclosed.Creditorsmayalso





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reportyourenrollmenttothecreditreportingagencies.accordingtomyfiCo.Com,enrollmentalone

willnotaffectyourcreditscore.However,thecreditorsmayplaceanotationonyourcreditreport

signifyingyouhaveenrolledinadebtmanagementprogram.thecreditorsmaybewillingtolower

yourinterestratesinthisprogrambuttheydonotwanttoseeconsumersaddingtotheirdebtswhile

receivingthesebenefits.

Do the Math

analyzeyoursituationandbudget.ifyourcreditorsarecharginghighinterestrates,butyoucan

affordyourcurrentminimumpayments,thendebtmanagementmaybethebestoptionforyou.if

yourinterestratesare15%orhigher,mostofyourminimumpaymentsareappliedtointerest,not

principleowed.reviewyourcreditcardstatements.theCreditCardreformactrequirescreditcard

companiestodisclosehowlongitwilltakeyoutopayoffyourbalancemakingminimumpayments.if

youhavehighinterestrates,theamountoftimeandmoneytopayoffthebalanceisexorbitant.debt

managementProgramscanofferlowerinterestrates,allowingyoutopayoffyourbalancesin3.5to

4.5years,insteadof15ormoreyears.takesomeonewith$30,000ofcreditcarddebtatanaverage

interestrateof19%,makingminimumpaymentsonly.itcouldtake40yearsandatotalof$81,000to

payoffthebalance.now,enrollthesamedebtof$30,000intoadebtmanagementProgramandyour

interestratesareloweredtoanaverageof6%.makethesimilarminimumpaymentrequiredfromyour

creditorstothedebtmanagementProgramandyourtotalpayoffwouldbe$33,500overapproximately

fouryears.thatwouldsaveyou$47,500and36years!



introduCtoryPaCKage


Solutions takes a













We will complete a

creditor and budget






to make an educated

decision.

No Hard Sell

No Pressure

Just the Facts

debT ConsolIdaTIon loan

Debt consolidation requires that you take out a single loan, which you use to pay off all of your debts.

debtconsolidationcanbeatemptingchoicewhenyouareahighlydisciplinedborrowerthathasalot

ofmonthlybills,severaldifferentcreditors,andmultipleinterestrates,becausetheendresultisone

monthlypaymenttoonecreditoratasingleinterestrate.

Benefits

•Consolidatetoonemonthlypayment

•singleinterestrate

•interestmaybetaxdeductable(ifloanisamortgage)

How it Works

Contactyourlocalbank,creditunion,ormortgageloanofficertoapply.typically,theywillperforma

creditcheckandrequireincomedocumentation.

Drawbacks

There is a risk of losing personal assets.debtconsolidationloansareusuallysecured,whichmeans

youarerequiredtouseyourhome,car,orotherpersonalassetsascollateral.Collateralisbasicallyyour

lender’sinsuranceonyourpromisetopay.ifyoumissyourpaymentsonyourdebtconsolidationloan,

youcouldloseyourhome,car,orothercollateraltoyourlender(youdonothavethissameriskwith

creditcarddebtsinceitisunsecured-meaningnopersonalassetscanbeseizedtosatisfythedebt).

you may be fueling bad habits.debtconsolidationloansfeeduponthehabitsthatgotyouintodebt

troubleinthefirstplace.often,consumersusetheseloanstosatisfyexistingcreditcardbalanceswhich

resultinahighermortgagebalance,andthentheycontinuetooverspendontheircreditcards.this

placestheminanevenmoreprecariouspositionthanwheretheystartedbecausetheyhavetakenon

yetanothercreditorwithsignificantlymoredebt.

Approval may be difficult. intoday’stightcreditenvironment,itisincreasinglydifficulttogetapproved

forthistypeofloan.similarly,unlessyouhavemaintainedastellarcreditrating,chancesareyouwill

notgetapprovedforthelowinterestratesyouseeadvertised,andthuswillpaysignificantlymoreover

thetermoftheloan.





Call today!1-866-895-6419

Do the Math

ifyouqualify,reviewthetermsofyourloanclosely.Calculatethecostsofcompletingtheloanandthe

amountofyourtotalpayback.forexample,ifyouconsolidate$30,000ofcreditcarddebtintoaloanat

12.9%overfiveyears,yourmonthlypaymentwouldbe$681andyourtotalpaybackwouldbe$40,860

($681x60months).

ifyouconsolidatethroughamortgageorhomeequityloantheinterestmaybetaxdeductable.Consult

yourtaxadvisorforadditionalinformation.


DiD you know?The average late fee was found to have risen to $28.19, way up from

$25.90 in 2008. Consumer Action reported that late fees reached up

to $39 per incident. (Source: Consumer Action credit card survey, July

2009)


introduCtoryPaCKage


Solutions takes a













We will complete a

creditor and budget






to make an educated

decision.

No Hard Sell

No Pressure

Just the Facts

bankruPTCy

Bankruptcy is a very serious decision, with consequences that can last for a long time.

therearesomecaseswherebankruptcymaybeyouronlyoptionduetoextremefinancialhardship

resultingintheinabilitytomeetanymonthlyobligation.Werecommendthatyouconsiderbankruptcy

onlyasalastresort,andonlyundertheguidanceofalicensedattorney.

Benefits

• stopharassingcreditorphonecalls

• legalprotectionfromgarnishmentsorliens

• Haltcollectionactivities

How it works

ContactalocalbankruptcyattorneyinyourareatolearnifyouqualifyforaChapter7or13.Wearenot

abankruptcyprovidersowerecommendyouconsultanattorney.

Drawbacks

unfortunately,manypeoplewhodeclarebankruptcyfaceanuphillbattletopayoffdebtsthatwere

notwrittenoffandtoreclaimtheircredit,qualifyforloansandcreditcards,buyahouseoracar,rent

anapartment,orinsomecases,evengetajob.itisimportanttounderstandthefollowingbankruptcy

factsbeforemakingafinaldecision.

• Bankruptcyisdenotedonyourcreditreportfor10years,makingitdifficultforyoutogetan

affordableinterestratewhenyoutrytobuyahomeoracar,orapplyforsomeotherformofcredit.

• abankruptcycanstayonyourofficialcourtrecordsformorethan20years-sometimesfortherest

ofyourlife-andcanhurtyourchancesofbeingapprovedorhiredwhenyouapplyforajobora

loan,ortrytorentanapartment.

• newstricterbankruptcylawsmakeitharderforyourdebtstosimplybewipedoutinabankruptcy.

youmayonlybeeligibletogointoarepaymentbankruptcy(aChapter13bankruptcy),which

requiresyoutostillrepaysomeorallofyourdebtonapaymentplan.





Call today!1-866-895-6419

• ifyoudoqualifyforthetypeofbankruptcythatwipesoutyourdebts(aChapter7“liquidation”

bankruptcy),youmayberequiredtoselloffallyourpropertythatisn’tprotectedbylaw.

Do the Math

ifyouaretrulyinahardshipwheremakinganytypeofconsistentmonthlypaymenttosatisfyyour

obligationsisimpossible,thenbankruptcymaybetheonlycosteffectiveoption.thecostofattorney

feesmayvaryfromstatetostate.Wearenotbankruptcyproviderssowerecommendyouconsultwith

alicensedattorneyinyourstatetoreviewthecostsandoptions.

DiD you know?The national average default rate as January 2010 stood at

27.88 percent and the mean default rate is 28.99 percent. (Source:

CreditCards.com survey, January 2010)

93 percent of cards allowed the issuer to raise any interest rate at any

time by changing the account agreement. (Source: Pew Safe Credit

Cards Project, March 2009)

Only eight percent of cards with penalty rate conditions offered to

restore the original rate terms when payments are made on-time,

usually after 12 months. (Source: Pew Safe Credit Cards Project, March

2009)

72 percent of cards included offers of low promotional rates which

issuers could revoke after a single late payment. (Source: Pew Safe

Credit Cards Project, March 2009)


introduCtoryPaCKage


Solutions takes a













We will complete a

creditor and budget






to make an educated

decision.

No Hard Sell

No Pressure

Just the Facts

maInTaIn mInImum monThly PaymenTsRecent legislation has passed (The Credit Card Reform Act) which requires credit card companies to show you how long it will take to pay off your balance by making minimum payments. [sample statement below]thisnewtoolmakesiteasytounderstandyourspecificsituationandexactlyhowlongitwilltaketo

satisfyyourdebtbymakingonlytheminimumpayments.

Benefits

• maintaincurrentstatuswiththecreditor

How it works

youchoosetocontinuethecycleofrevolvingdebtandmakelittletonoprogressinsatisfyingthe

principlebalance.Creditcardcompaniesmakethebulkoftheirprofitsfromconsumerswhocontinueto

makeminimummonthlypaymentswhileaddingtotheirdebt.

This is a copy of an actual credit card statement for an account with a $10,629 balance.

latePaymentWarning:ifwedonotreceiveyourminimumpaymentbythedate

listedabove,youmayhavetopayuptoa$39.00latefeeandyouraPrswillbesub-

jecttoincreasetoamaximumPenaltyaProf29.99%.

minimumPaymentWarning:ifyoumakeonlytheminimumpaymenteachperiod,

youwillpaymoreininterestanditwilltakeyoulongertopayoffyourbalance.

For example:

ifyoumakenoadditionalchargesusingthiscard

andeachmonthyoupay...

onlytheminimumpayment

$453

youwillpayoffthebalanceshownonthisstatementinabout...

35years

3years

andyouwillenduppay-inganestimatedtotal

of...

$36,825

$16,319(savingsof$20,506)





Call today!1-866-895-6419

Drawback

ifyourinterestratesarehigherthan15%,mostofyourminimumpaymentsareappliedonlytothe

interestdueandnottheprincipleamountowed.thismeansyourdebtwillnotbesatisfiedformany

years–oftenmorethan30years–evenifyoudonotpurchaseanotheritemwithyourcreditcards!

moreover,ifyoucan’tkeepmakingminimumpayments,thecreditorswillstartcalling.ifyouchoose

toignoretheircalls,youcanendupwithjudgmentsandgarnishedwages,aswellasliensagainstyour

property,withouthavingtheprotectionofanattorneyorlawfirm.

Do the Math

thisoneissimple.ifyouchoosetocontinuetomakeminimumpaymentswithhighinterestrates,you

willsacrificetwo,three,orpossiblyfourtimestheamountyoucurrentlyowe.Wouldn’tthatsignificant

amountofmoneybebetterusedplanningforyour retirement,notyourcreditcardcompany’sprofits?

DiD you know?Total U.S. revolving debt (98 percent of which is made up of credit card

debt): $852.6 billion, as of March 2010 (Source: Federal Reserve’s G.19

report on consumer credit, March 2010)

92 percent of cards included a fee for exceeding the credit limit,

including 100 percent of all student cards. The amount of the over the

limit fee is $39 on most accounts. (Source: Pew Safe Credit Cards

95 percent of surveyed issuers have over-limit fees. The average over-

limit fee, among institutions with over-limit fees, is $29.13. (Source:

Consumer Action credit card survey, July 2008.)

Between 1989 and 2006, the nation’s total credit card charges

increased from about $69 billion a year to more than $1.8 trillion.

(Source: Demos.org, April 2008) Project, March 2009)


introduCtoryPaCKage


Solutions takes a













We will complete a

creditor and budget






to make an educated

decision.

No Hard Sell

No Pressure

Just the Facts

5 sTePs To geTTIng ouT of debT

1. Get organized. gatheryourcurrentstatements,completethebudgetworksheeton

page(17),andcontactusforano-obligationconsultation.

2. Get informed. We’llhelpyoutakealookatyourtotalfinancialpicture,completeyour

creditorandbudgetanalysis,andreviewallavailableoptions.

3. Select a program. togetherwewilldeterminewhichdebtrelief

optionisrightforyou.

4. Choose a payment. setupasinglemonthlypayment.We’llworkwithyoutoestablisha

single,affordablemonthlypaymentthatworkswithinyourbudgetand

willstillleavemoneyinyourpocketattheendofeachmonth.

5. Stay committed. staycommittedandfinishwhicheverprogramyouhaveselected.

graduatingfromadebtreliefprogramislifechanging.trulybecomedebtfree!

Have Questions? Call 1-866-895-6419 for your FREE consultation today!





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Monthly Budget A. Household Expenses D. othermortgage $______ movies,dinnerout,etc. $______rent $______ Cable/satellitetv $______P&iorPiti $______ subscriptions $______2ndmortgage $______ tobaccoproducts $______electricity $______ Club/unionmembership $______gas $______ gifts $______Water/sewer $______ Hobbies $______trashPick-up $______ softdrinks/alcohol $______telephone $______ Beauty/barber $______furnishings $______ other $______House/yardservices $______ $______maintenance $______ $______internet $______ $______other $______ Charitable $______Subtotal A $______ Subtotal D $______yourHome’smarketvalue $______

B. Food/Health/Child E. insurance Premiumsfood/groceries $______ life $______schooltuition/studentloans $______ termWlulvul $______schoollunches $______ Husbandfaceamount $______Clothing $______ Wifefaceamount $______medical(uninsured) $______ medical $______dental(uninsured) $______ dental $______laundry/drycleaning $______ disability $______medication $______ Homeowners/rental $______Childcare $______ deductible $______Childsupport/alimony $______ Health $______other $______ single,family $______ $______ auto $______ $______ deductible $______ $______ Health $______ $______ single,family $______Subtotal B $______ Subtotal E $______

C. Transportation F. Savingsautomobile#1 $______ stocks,bonds $______automobile#2 $______ mutualfunds,etc. $______automobile#3 $______ College $______gasoline/oil $______ ira $______automaintenance $______ 401(k) $______travelexpenses $______ other $______otherautoexpenses $______ $______Subtotal C $______ Subtotal F $______

Financial Overviewsubtotala $______ totalnetmonthlyincome $______subtotalB $______ totalmonthlyexpenditures $______subtotalC $______ remainingmoneytoworkwith $______subtotald $______ Presentmonthlypaymentfor $______subtotale $______ unseCureddebtsubtotalf $______totalmonthlyexpenditures $______


introduCtoryPaCKage


Solutions takes a













We will complete a

creditor and budget






to make an educated

decision.

No Hard Sell

No Pressure

Just the Facts

noTes:__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





Call today!1-866-895-6419

noTes:__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________


introduCtoryPaCKage


Solutions takes a













We will complete a

creditor and budget






to make an educated

decision.

No Hard Sell

No Pressure

Just the Facts

noTes:__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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