READ THIS

YOU MUST UNDERSTAND

WHILE YOU ARE USING THE PROGRAM or services, late fees, penalties and interest will continue to accrue on your debt until the creditors accept a settlement offer and settlement is paid, however, it is our goal to settle your debt off the original amount at the time of entry into the program.

Creditors may still sue to collect on their debts and, if a judgment has been obtained, creditors may garnish wages or property depending on the state you live in.

WHILE YOU ARE USING THE PROGRAM OR SERVICES, the creditors may raise the interest rates on your debt. It is our goal and expectation to reduce or eliminate these interest rate increases during the settlement process.

Debt settlement for less than the full amount of the amount owed will result in a negative notation on your credit report. In addition, your credit score will be negatively impacted for the long term unless you complete the program and complete credit restoration services. The credit restoration service fee is included in your membership fee. Therefore, this service is free to our members.

To the extent that a favorable settlement with a creditor is reached, you may be required to treat the debt savings as income for the purpose of federal and state income taxes.

FBL ASSOCIATES, PC DOES NOT make monthly payments to your creditors on a monthly basis. A payment is only made to the creditor in a lump sum at the time that the negotiated settlement is reached.

FBL ASSOCIATES, PC cannot stop creditor collection calls.

NO ONE told you not to talk to your creditors. Creditors do not have to settle any claim. A $49.00 monthly membership fee includes a device that diverts creditor calls for the first ninety (90) days, credit restoration services included, exclusive training programs, and use of ESP newly developed software. In addition, you will qualify for a lottery where one winner will be randomly selected from our members per month where you can win a benefit to pay off up to $10,000.00 of your debt.

FBL ASSOCIATES, PC WISHES TO EXPRESS A CLEAR AND CONCISE DISCLOSURE OF ALL MATERIAL INFORMATION IN A SUFFICIENTLY NOTICEABLE WAY FOR AN ORDINARY CONSUMER TO READ AND COMPREHEND. IF ANY EMPLOYEE HAS EXPRESSED OR IMPLIED A STATEMENT WHICH IS DIFFERENT THAN THIS DISCLOSURE PLEASE INFORM US IMMEDIATELY.

Unfortunately, not all people in our industry perform to the same standards. FBL ASSOCIATES, PC is committed to making sure that our consumers are the most informed.

CUSTOMER ACKNOWLEDGES THAT THEY HAVE READ AND UNDERSTAND THE TERMS OF THEIR DISCLOSURE FROM FBL ASSOCIATES, PC AND AGREE TO PROCEED FORWARD.