All estimates provided are illustrative and based on the total enrolled debt and the intended duration of the program. Results may vary. Completion of the program is not guaranteed and depends on several factors, including your ability to consistently make scheduled payments and accumulate sufficient funds for settlement.

Not all types of debt are eligible for enrollment. Karzmaaf Financial Advisory Services recommends joining the Debt Resolution Program only when a client is experiencing genuine financial hardship that has led to missed payments or an inability to meet current obligations.

Please note:

• There is no guarantee that your debts will be resolved within a specific time frame or reduced by a fixed percentage or amount.
• We do not assume your debts, make payments to creditors on your behalf, or provide legal, tax, or accounting advice.
• It is essential to read and understand all program terms and conditions before enrollment.

Participating in a debt resolution program may negatively affect your credit score and could result in continued collection efforts, including legal action from creditors. Enrolled accounts may continue to accrue interest and late fees. However, any negotiated settlements will aim to resolve the full outstanding balance, including such charges.

If you are considering debt resolution, we strongly encourage you to evaluate your financial circumstances carefully and seek independent advice where needed.