This Debt Relief Disclosure (“Disclosure”) provides important information about the debt relief services offered by Advisor Experts (“Company”). Please read this Disclosure carefully before engaging in any debt relief services with our company.

1. Nature of Debt Relief Services

Our debt relief services are designed to help individuals who are facing financial hardship manage and reduce their unsecured debt obligations. These services may include debt settlement, debt negotiation, debt consolidation, or other debt relief strategies.

2. Potential Benefits

2.1. Debt Reduction

Our services aim to negotiate with your creditors to reduce the total amount of debt you owe. If successful, this could result in lower debt balances.

2.2. Simplified Payments

In some cases, our services may consolidate multiple debt payments into a single, more manageable monthly payment.

2.3. Financial Relief

Debt relief can provide temporary financial relief by reducing the burden of high-interest debt and helping you become debt-free more quickly.

3. Potential Risks

3.1. Impact on Credit Score

Engaging in debt relief services may negatively impact your credit score. Missed payments and settled debts may be reported to credit bureaus.

3.2. Tax Consequences

The IRS may consider forgiven debt as taxable income, which could result in additional tax obligations.

3.3. Creditor Actions

While we aim to negotiate with creditors on your behalf, some creditors may take legal actions, such as lawsuits or wage garnishments.

4. Fees and Costs

4.1. Our Fees

Our fees for debt relief services are [Specify the fee structure, e.g., a percentage of the enrolled debt, a flat fee, or other]. These fees will be explained in detail in your personalized debt relief agreement.

4.2. Additional Costs

You may be responsible for additional costs related to your debt relief program, such as attorney fees, settlement amounts, or administrative fees.

5. Alternatives

Before engaging in debt relief services, it is essential to consider alternatives, including:

• Self-negotiation with creditors
• Credit counseling
• Debt consolidation loans
• Bankruptcy

6. Client Rights and Obligations

As a client of our debt relief services, you have the right to:

• Receive detailed information about our services and fees.
• Access your account and track your progress.
• Cancel the program at any time.

You are also obligated to:

• Make timely payments into a designated account to fund settlements.
• Keep us informed of any changes to your financial situation.

7. Regulatory Compliance

Our debt relief services are subject to applicable federal and state laws and regulations, including the Federal Trade Commission’s Telemarketing Sales Rule (TSR). We adhere to these regulations and will provide you with a written agreement that outlines the terms and conditions of our services.

8. Contact Information

If you have any questions or concerns about this Debt Relief Disclosure or our services, please contact us at:

Advisor Experts 123 Main Street Anytown, USA Phone: (888) 123-4567 Email: info@advisorexperts.com

By engaging in debt relief services with our Company, you acknowledge that you have received and understood this Disclosure, and you agree to comply with all terms and conditions outlined herein