Individual results may vary and are dependent upon several factors including individual circumstances, creditors' willingness to settle, successful completion of program and ability to save funds. United Financial Relief’s Debt Settlement Program does not assume or pay any debt, nor does it provide legal advice or offer credit repair. Settlement estimates of 40% are examples of past performance of settled accounts and do not take into consideration our service fees or potential tax consequences. Program not available in all states. Read and understand contract terms before enrolling.