FIRST CHOICE CREDIT MANAGEMENT, LLC
WEST PALM BEACH, FLORIDA

* Our clients who make all their monthly program payments are expected to pay approximately 42% of their enrolled balance before fees, or 56% including fees, over 12 to 48 months. Not all of our clients are able to complete their program for various reasons, including their ability to set aside sufficient funds. Our estimates are based on industry averages, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. 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. * Our clients who make all their monthly program payments are expected to pay approximately 42% of their enrolled balance before fees, or 56% including fees, over 12 to 48 months. Not all of our clients are able to complete their program for various reasons, including their ability to set aside sufficient funds. Our estimates are based on industry averages, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. 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. * Our clients who make all their monthly program payments are expected to pay approximately 42% of their enrolled balance before fees, or 56% including fees, over 12 to 48 months. Not all of our clients are able to complete their program for various reasons, including their ability to set aside sufficient funds. Our estimates are based on industry averages, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. 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. Saving for tuition costs is easier now than it used to be in the US. You can get a special account to save for education expenses in many states. It’s called a Section 529 Plan, and the money you put into this plan is free from federal income tax. You can continually put money towards your kids’ future tuition needs each month and leave it in a safe account where you will not be taxed for it. Some private banking companies also offer college savings accounts with deals to help you save a large amount over the years. Most people in the US plan to buy a home later on in their lives. In order to do this, you will need a good credit score, unless you plan to pay cash, something which is rarely possible for the average family. Luckily, there are a lot of practical things you can be doing while you’re young to help prepare yourself for buying a home in the future. Start by working to improve your credit score. You can build up good credit by making wise credit decisions over the years and practicing good credit habits. These are not costly and will help you to get a great credit rating. A higher credit rating will probably lead you to a better mortgage when the time comes. * Our clients who make all their monthly program payments are expected to pay approximately 42% of their enrolled balance before fees, or 56% including fees, over 12 to 48 months. Not all of our clients are able to complete their program for various reasons, including their ability to set aside sufficient funds. Our estimates are based on industry averages, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. 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.