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1. I have heard that some companies will not accept debt settlement. Will my creditors settle?

2. How is the program communicated to my creditors?

3. What happens if my daughter is on my Sears card and I want to put that account in the program?

4. Will the creditor keep adding interest and late fees?

5. Before you settle, do I need to have the money in my account?

6. Can I add my car loan (student loan, federal credit union, etc)?

7. I have a bank account with one of my creditors, does that matter?

8. My start day was yesterday, but I don't think the money was taken out of my bank account yet?

9. How safe and reputable is your company?

10. Can I combine my debt with my spouse?

11. What if I need to change my start date / banking information?

12. I'm getting calls from my creditors, what do I do?

13. Should I fax all new statements to your company?

14. Can I do this while I'm in bankruptcy?

15. What happens if it goes to collections? Can it get ugly?

16. I am a public figure. Is this confidential?

17. When will my first payment be due?

18. How is the debt paid?

19. How does this affect my taxes?

20. Will the calls stop?

21. Do I need to be behind on my payments to enroll?

22. Do I have to get rid of all of my credit cards?

23. Can I add accounts later in the program?

24. What legal action? Can I be sued or garnished?