Individual terms may only be estimated after analysis of your situation by our Certified Debt Specialists. We do not assume consumer debt, provide tax or legal advice or credit repair services. Failing to make monthly payments to creditors may result in an adverse credit rating impact, increased interest rates and fees added to balance owed and increased collection efforts. Read and understand all program terms prior to enrollment including terms and conditions. Results vary due to individual circumstances including ability to fund the program. Programs represented are provided by 3rd parties and are available to Canadian residents only. Not available in all provinces.