*Assumes all of your debts are eligible for enrollment, are enrolled in the program, and you successfully complete the program. The majority of
clients who successfully complete the program resolve their enrolled debts in 23 - 47 months (average 35 months).
American Relief Organization partners with trusted third-party providers ("Providers") to provide debt resolution services. In some states, debt
resolution services will be offered by Advantage Law, a DBA of Higbee & Associates. See below for details about Advantage Law. Clients who make all monthly
program payments save approximately 40 – 50% of their enrolled debt (average of 43%) upon successful program completion, before program fees. Fees
are based on a percentage of your enrolled debt at the time of starting the program and range from 14%-25% of your enrolled debt. Programs range
from 20-48 months. Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average,
clients receive their first settlement within 4-7 months of enrollment and approximately every 3-6 months thereafter from when the prior debt was
settled. Not all clients complete the program. Estimates are based on prior results and may not match your results. Providers cannot guarantee that
your debts will be resolved for a specific amount or percentage or within a specific timeframe. Providers do not assume your debts, make monthly
payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Provider’s program is not available in all
states; fees may vary by state. The use of debt resolution services will likely adversely affect your credit. You may be subject to collections or lawsuits
by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors
may be subject to income tax. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account,
other than funds earned by the company or fees paid to third-party service providers, as may be applicable. Read and understand all program materials
prior to enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate
with debt resolution companies. To determine the offers you may be eligible for, Providers conduct a “soft credit pull.” This credit pull does not impact
your credit score, creditworthiness, or ability to obtain credit from other sources. The soft pull is not a tradeline entry, does not report against
your score and will only take a few minutes.
Important Information For Those In States Serviced By a Law Firm Partner. Advantage Law is a DBA of Higbee & Associates PC, an A+ rated law firm
by the Better Business Bureau. Mathew Higbee principal attorney, Las Vegas, NV. Choosing an attorney is an important decision that should not be
done solely based not advertising. Fees are not set by law and can be negotiated. The terms and benefits of Advantage Law’s services will vary
from those listed above.
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