American Relief Organization partners with trusted third-party providers ("Providers") to provide debt
resolution services. In some states, debt resolution services will be offered by Advantage Law, a DBA of
Higbee & Associates. See below for details about Advantage Law. Clients who make all monthly program
payments save approximately 40 – 50% of their enrolled debt (average of 43%) upon successful program
completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of
starting the program and range from 14%-25% of your enrolled debt. Programs range from 20-48 months.
Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement
offer will be made. On average, clients receive their first settlement within 4-7 months of enrollment
and approximately every 3-6 months thereafter from when the prior debt was settled. Not all clients
complete the program. Estimates are based on prior results and may not match your results. Providers
cannot guarantee that your debts will be resolved for a specific amount or percentage or within a
specific timeframe. Providers do not assume your debts, make monthly payments to creditors or provide
tax, bankruptcy, accounting, legal advice or credit repair services. Provider’s program is not available
in all states; fees may vary by state. The use of debt resolution services will likely adversely affect
your credit. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding
debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors
may be subject to income tax. Clients may withdraw from the program at any time without penalty and
receive all funds from their dedicated account, other than funds earned by the company or fees paid to
third-party service providers, as may be applicable. Read and understand all program materials prior to
enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for
enrollment because they do not negotiate with debt relief companies. To determine the offers you may be
eligible for, Providers conduct a “soft credit pull.” This credit pull does not impact your credit
score, creditworthiness, or ability to obtain credit from other sources. The soft pull is not a
tradeline entry, does not report against your score and will only take a few minutes.
Important Information For Those In States Serviced By a Law Firm Partner. Advantage Law is a DBA of
Higbee & Associates PC, an A+ rated law firm by the Better Business Bureau. Mathew Higbee principal
attorney, Las Vegas, NV. Choosing an attorney is an important decision that should not be done solely
based not advertising. Fees are not set by law and can be negotiated. The terms and benefits of
Advantage Law’s services will vary from those listed above.
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