FFP Web site disclaimer: Many factors are involved in debt settlement, making the experience and result unique for each individual. Some of these factors include personal circumstances, the individual’s ability to save funds, creditor and collection agency involvement and willingness to settle, and an individual’s perseverance to complete a debt settlement program. FFP does not assume or pay any of a client’s debt, does not provide legal advice nor offer credit repair. Debt settlement estimates of 50% are examples of past performance of settled accounts for clients and do consider our service fees or potential tax consequences. FFP’s Debt Negotiation Program is not available in all states. Please talk with us to ensure you understand our contract and contract terms before enrolling. By using this site, you acknowledge that you have read and understand our Terms of Use.