Notice To Consumer

Dear Consumer,

In recent days, there has been flurry of news activity regarding unscrupulous practices in the debt settlement business. We would like to take this opportunity to help alleviate some concerns that you may have regarding your debt settlement program or your potential debt settlement program.

Debt Settlement is in no way an easy method of debt reduction. Debt Settlement takes a commitment on both our parts to work together towards your financial freedom. We make no guarantees, we only promise to put forth our best effort on your behalf. You as the consumer must put forth the effort to save according to your plan and if possible put extra money towards your savings.

Other companies may guarantee you a savings of up to 50% or more, but we do not. If it sounds too good to be true it probably is. Some of our clients save significant amounts of money during the course of their program, some of our clients have harder times, but in the end, the vast majority of our consumers save some money. Those consumers that abide by the program guidelines and use the tools provided, such as budgets to help reduce spending, get out of debt faster than by paying minimum payments. It is because of the hard work of our tireless negotiations staff and the spending reduction by our consumers that we are able to save people money.

We also believe in full disclosure to our consumers. So here is our full disclosure that other companies won't tell you. In a debt settlement program:

• you will receive collection calls
• you will incur late fees
• you cards will still incur interest
• you could be subject to a lawsuit
• and any savings of over $600 could be subject to income tax

Again, Debt Settlement isn't easy, it isn't for everyone. It is, however, a last resort to bankruptcy. If you can afford the payments of the program and put forth the effort to save extra money each month, then Debt Settlement may work for you. Again, we don't make guarantees. The road will be tough, but we are here to help you.

You will receive pressure from your creditors. They will tell you they don't work with us. They will tell you they haven't heard from us. They may even tell you to file a complaint against us. We can tell you directly, that we work with most creditors, and if we can't get some form of a settlement or payment plan with your creditor, we'll refund your fees for that account.

As for fees, we do charge a fee. Our fees are taken over the first half of your program. This is all explained in extreme detail in your enrollment paperwork and you will see a detailed accounting of how fees are taken. We incur significant expenses in working for you and employ a large staff of trained individuals to specialize in debt settlement.

We look forward to working for and with you towards your goal of financial freedom. Please, challenge your sales representative. Ask the questions now, read the disclosures, and understand what you are signing up for. Debt Settlement isn't for everyone. If you decide Debt Settlement may be the solution for you, then we will put forth our best effort for you every day of the week.

Sincerely,
The J.Hass Group