Debt settlement, debt negotiation, debt resolution or balance reduction programs (the “Program”) are not an offer or promise to lend money and neither they nor CountryWide Debt Relief, LLC (“CWDR”) assume or pay any consumer debt or make monthly payments. CWDR is not affiliated with any lending institution, bank, collection agency or collection law firm. Debt negotiation only applies to debts enrolled in the Program (the “Program Debt”) with CWDR. Whereas CWDR shall work aggressively to negotiate the Program Debt, not all debts can be negotiated and not all creditors negotiate. Individual Program results may vary and are based on but not limited to the ability of clients to save funds and successfully complete their Program terms and conditions, the amount and type of debts and creditors, history of accounts and financial standing of clients. Any specific or general reference to “debt free”, “savings”, “eliminate” or “reduce” debts only refers to clients that have successfully enrolled and completed their Program resulting in all Program Debt being settled for less than the original balance enrolled. Any figures given or statements made are examples of past performances and are not intended to guarantee future results and CWDR does not guarantee that debts successfully enrolled in the Program will be settled, lowered by a specific amount or percentage, settled in a specific time period or that clients will be “debt free” in a specific time period. All Program terms and conditions are subject to change without notice and not all applicants are approved. The Program is not available in all states and other restrictions apply. Please read and understand all Program terms and conditions prior to enrollment. CWDR is not a law firm and does not provide any legal, bankruptcy, tax or accounting advice or credit repair services and anyone considering bankruptcy should consult a bankruptcy attorney. Please contact a tax professional to discuss potential tax consequences of the Program (settling debt). The Program may negatively impact a client’s credit. Neither CWDR, the Program nor this offer have been approved, endorsed or made by any government agency and CWDR is not an agency of any government nor should this offer be construed as such. CWDR is not liable for or guarantee the accuracy of the record from which recipient was selected. All client testimonials are real and verifiable, however, to protect the identity of our clients, photographs may not be actual clients and only partial names and addresses are disclosed.