Should you decide to use our services you understand that your results may vary based upon a number of factors including creditor participation, amount owed to creditors, and your individual financial situation. Nonpayment of debt may result in a negative entry on your credit report, additional amounts owed, and lead creditors to increase finance and other charges or undertake collection activity, including litigation. Taxes may apply on settled debt, even though you will not actually receive any money. A.R. Trust Services cannot force negotiations or creditors to accept a settlement. We do not pay your creditors. Fees, terms and conditions apply. For more information click here.