* Individual results may vary and are dependant on factors such as successful completion of program, creditor cooperation, and ability to save funds. Not all clients successfully complete the program. Debt Settlement America does not assume or pay any debt, nor does it provide legal advice or offer credit repair. Program not available in all states. Debt settlement may have a negative impact on your credit rating. Nonpayment of debt may lead the creditor to increase interest or charges and to engage in collection activity including litigation. Read and understand contract terms before enrolling.