To begin, DMB Financial's Financial Guardian Program™ is all about negotiating a fair settlement with those creditors with whom you have unsecured debt. By means of an affordable, structured savings plan that is created based upon your budget, and not ours, the funds from YOUR client owned, F.D.I.C. insured account are used towards debt negotiations and settlements.

Simply put, unsecured debt is money owed without collateral. Some examples of unsecured debt might include:

• Credit cards
• Lines of credit
• Personal or signature loans
• Medical bills

The other type of debt people usually have is called secured debt. Secured debt is money that was borrowed with a condition that if you fail to make your payments one (or more) of your possessions may be seized and sold by the secured creditor. Some examples of secured debt might include:

• Mortgage(s)
• Car loan/lease
• Financing contract (e.g. furniture)

DMB Financial negotiates a fair settlement with its client's creditor(s) for resolution of unsecured debt owed-subject to both client and creditor approval. Following the completion of a client's personalized debt settlement program, DMB's typical client has seen over 50% of their unsecured debt written off.

Individual results may vary based on ability to save funds, amount of debt, willingness of creditors to negotiate, and the successful completion of all program terms. Program does not assume or pay any debts, nor provide legal or tax advice. Prudence should always be taken by consumers when reviewing contracts and disclosure materials. DMB's services not available in all states.

Your credit score is likely to drop during a debt settlement program. However, following the successful completion of DMB's debt settlement program, which will ultimately result in the settlement of debt owed and an improved debt-to-income ratio, your credit score should improve following an improved financial conscientiousness.

DMB Financial also realizes that consumers who do not affectively deal with reducing their overall debt load in a timely manner, also run the risk of negatively affecting their credit score. So, while a good credit score is important, so is reducing ones debt. In the end, a particular credit score may be somewhat irrelevant unless credit is available to use responsibly.

Clients will pay an enrollment fee equal to the first two monthly payments of our agreed upon personal debt settlement program. The client also agrees that DMB Financial is entitled to a fee in the amount of twenty five percent (25%) of the difference between the creditors claim (debt) amount and the amount negotiated by DMB Financial. There is also a nominal monthly administration fee of $29.95, which is included in the monthly savings amount for every month that the Client is enrolled in the program.

In order to provide the necessary services promised through our contractual agreement, DMB Financial will share non-public personal information with vendors and processing companies only when necessary. For instance, DMB Financial Program Advisors will provide Global Client Solutions (our third-party processor) with the information necessary to set up your personal F.D.I.C. insured special purpose savings account. With regard to confidential information, only select DMB Financial personnel whose purpose is to serve our clients' best interests will have access to this information. See DMB's Privacy Statement for complete information concerning guarding the confidentiality and security of our client's personal information.

DMB Financial is not in the business of negotiating with your creditors to lower the interest rate on a particular debt.

Because DMB Financial's debt settlement services are all about results, the Company has been successful in reducing the number of harassing calls that our clients receive from their creditors. DMB encourages its clients to familiarize themselves with the Fair Debt Collection Practices Act, (FDCPA), that seeks to protect consumers from abusive debt collection practices by debt collectors.

During the term of your personalized debt settlement program, the use of any credit cards could dramatically reduce the settlement $$, or make it impossible to obtain a settlement. We do, however, recommend using a debit card instead. There is a distinct difference between the two cards and your DMB representative would be happy to explain.

Absolutely not. There is no pre-payment penalty.

No. In the unlikely event that a creditor refuses to negotiate a fair settlement on a particular account, DMB Financial will not charge a settlement fee for this account.

Following the accumulation of funds in a client owned, F.D.I.C. insured savings plan, DMB's professional debt settlement advisors will negotiate directly with a client's creditor(s) to reduce their debt for less than what is owed within a four to eight-month time frame. Individual results may vary based on a client's ability to save funds, the amount of debt, willingness of creditors to negotiate, and the successful completion of all program terms.

DMB Financial cannot guarantee what a client's creditors will do now or in the future until a settlement agreement has been reached, acknowledged, conveyed and accepted by all parties. However, it should be noted that DMB's typical client has seen over 50% of their debt written off following the successful completion of their debt settlement program. Individual results may vary based on ability to save funds, amount of debt and willingness of creditors to negotiate.

DMB Financial believes that bankruptcy should be a last resort. A bankruptcy status remains on a client's credit report for up to ten years and generally returns the least amount of funds to the creditor. Although bankruptcy, in some cases, may be unavoidable, DMB Financial's debt settlement programs are generally the better alternative.

DMB Financial acts as an agent for our clients and will exercise professional business ethics in negotiating with your creditors on your behalf. While DMB Financial may share publicly distributed information regarding a client's creditor's policies, we will never disclose confidential information regarding settlements of current or prior clients.

DMB Financial subscribes to the highest code of business ethics and standards. Prior settlement agreements for other clients with the same creditors are all handled on an individual and confidential basis and would never affect debt negotiations undertaken on your behalf.

Each client receives a New Client Package that contains the necessary letters that are mailed to your creditors requesting that all correspondence being sent to you, be redirected to us.

DMB Financial processes and settles each account individually. In addition, we will never attempt to settle a debt without prior knowledge that you have the funds necessary to negotiate when an offer is given.

DMB Financial communicates offers, responds to offers, and forwards the final settlement agreement to the client along with the payment instructions proposed by the creditor in accordance with the debt settlement agreement.

In the unlikely event that we are unable to negotiate a settlement, we will not charge you a settlement fee. Historically, following the successful completion of a client's personalized debt settlement program, DMB's typical client has seen over 50% of their unsecured debt written off. Individual results may vary.

No. However, DMB Financial does provide self-help tools to its member base through its web site and seasonal newsletters. Industry related articles such as budgeting, credit reports and scores, loan consolidations, credit card usage, and financial guidelines and tips are provided periodically. The Company does not provide legal of tax advice.

No. DMB Financial utilizes a reputable, third-party processing service, Global Client Solutions to hold a client's funds until settlement. Additionally, this client owned and controlled F.D.I.C. insured special purpose savings account is viewable on-line 24/7. Following a successful settlement with one of your creditors, the necessary funds are transmitted to your creditor based upon the terms agreed to.

Our clients include professionals, students, the self-employed, singles, married couples, single parents, seniors, and a host of others. Generally, we approve those consumers with $10,000 or more of unsecured debt and at least two credit cards. One of our Program Advisors can determine whether or not your financial situation qualifies for a settlement program.

No! Many people experiencing financial hardship realize that their cash or cash flow will not be sufficient to satisfy their debts since their overall debt situation has deteriorated to the point where they are, or will be unable to meet their other financial obligations such as rent or healthcare.

Communicating early with creditors can often prevent accounts from becoming delinquent or being turned over to collection agencies. However, in the event your accounts do become delinquent and a collection agency is employed (by your creditor) they rarely have the authority to accept anything other than a total lump sum payment to settle your debt. On the other hand, DMB Financial has the expertise to negotiate with your creditor(s) before your account(s) become delinquent.

$0. DMB Financial offers a FREE, NO OBLIGATION consultation. We will analyze your debts and financial condition then provide you with an Application Worksheet, which will assist you with your evaluation and decision-making process. At the end of this process, you'll be able to determine which program provides the best solution for you. Contact us today. After all, you have nothing to lose, except your debt! TOLL FREE: 866-403-4883.