Disclosures

Important risks

• Your credit may be affected. Debt relief programs can have a negative effect on your credit, especially if accounts become delinquent during the program.
• Creditors don't have to negotiate. Creditors are not required to participate or to accept a reduced amount. Some may not.
• Collection activity may continue. Creditors and collectors may keep contacting you, and interest, late fees and penalties may continue to accrue.
• Lawsuits are possible. A creditor may sue to collect a debt, which can lead to judgments, garnishment or other remedies allowed by law.
• Results aren't guaranteed. Not every debt is resolved, and no specific savings, settlement or timeline can be promised.
• Taxes may apply. Forgiven debt may be considered taxable income. Consult a tax professional about your situation.
• Stopping payments has consequences. Stopping payments to creditors can lead to late fees, collections and credit damage. Understand this fully before deciding.

Eligibility

Eligibility varies. Not every debt or creditor may qualify. Secured debts, federal student loans and most tax debts are generally not eligible.

Comparing options

Every option has advantages, costs and potential consequences. Alternatives include budgeting, credit counseling, consolidation and bankruptcy.

Not a government program

Falls View Capital is a private company. We are not a government agency, and this is not a government program.

Not advice

We do not provide legal or tax advice. Consider speaking with a licensed attorney or tax professional about your situation.

Fees

Any program fees will be explained in writing before you enroll. Under federal rules, debt relief providers may not collect fees before settling at least one of your debts.