Clients who make all their monthly program payments pay approximately 50% of their enrolled balance before fees, or 63 – 73% including fees. Not all clients are able to complete our program for various reasons, including their inability to save sufficient funds. Elite Financial Services (EFS) is a debt settlement company. EFS does not provide the following services: credit counseling, credit repair, legal advice, debt consolidation loans, tax services, account services, or loans. If you require legal advice seek the advice of a licensed attorney. EFS does not make regular monthly payments to a client’s creditors. EFS cannot guarantee that your debt will settle for any particular percentage or within any particular time period. Our estimates are based on previous results and are no guarantee of future performance. Actual results will vary depending on your specific circumstances. Prior to enrollment, read and understand all program materials. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. Information obtained through the completion of the form above will be used to contact potential consumers interested in debt settlement. If you have been contacted by EFS and wish to be removed from future mailings, please send a request to unsubscribe@livedebtfree.