*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 consolidation services. In some states, debt
consolidation 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 consolidation 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 consolidation 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.
All loans available through Americor Funding, LLC ("Americor") are made by lenders in their network and
are subject to eligibility criteria and review of creditworthiness and history. All loan and rate terms
are subject to eligibility restrictions, application review, credit score, loan amount, loan term,
lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not
available to residents of all states – please call an Americor representative for further details.
Repayment periods range from 12 to 60 months. The range of APRs on loans is 5.99% to a maximum of 29.99%
APR. The APR calculation includes all applicable fees, including the loan origination fee of up to
6.99%. For example, a 60 month $16,000 loan with an interest rate of 14.84% and an origination fee of
$1,118.40 results in a corresponding APR of 17.95% would have an estimated monthly payment of $405.81
and a total finance charge of $8,357.49. NMLS #839989
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the
funding of terrorism and money laundering activities, Federal law requires all financial institutions to
obtain, verify, and record information that identifies each person who opens an account. What this means
for you: When you open an account, you will be asked for your name, address, date of birth, and other
information that will allow the lender to identify you. You may also be asked to see your driver's
license or other identifying documents.
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