Calls with the company may be recorded or monitored for quality assurance and training purposes. The company’s estimates are based on past results, varying with specific enrolled creditors and individual program terms, and do not guarantee a fixed debt resolution within a particular timeframe. Clients may not complete the program due to various reasons, such as insufficient funds, and the company does not assume debts, make creditor payments, or provide financial and legal advice. Services are not available in all states, and fees may differ. Potential tax consequences should be discussed with a tax professional. Successful clients may realize savings, but individual results vary, and the program will likely adversely affect the consumer’s creditworthiness. It is crucial to read and understand program terms before enrollment, considering potential credit rating effects. Not all creditors will agree to reduce the principal balance, and they may pursue collection, including lawsuits. Debt settlement services may not be suitable for everyone, and negotiated settlements aim to resolve entire accounts, including fees and interest. New Era Group Inc is registered with DFPI under CCFPL – Registration number 01-CCFPL-1679946-3441709. C.P.D. Reg. No. T.S. 199834