We are proud to be Independent Consultants for eDebtmanagement, Inc.

1. Is your service guaranteed?
2. Why should I use eDebt Management, Inc. Arbitrators?
3. What can we do for you?
4. How much can I save?
5. How fast will I get an answer?
6. How does the eDebt Management, Inc. program differ from Chapter 7 and Chapter 13 bankruptcy?
7. Can a eDebt Management, Inc. Representative give legal opinions on my options?
8. Will your help affect my credit report?
9. Why do I need your help? Can't I contact my creditors myself?

1. IS YOUR SERVICE GUARANTEED? TOP
YES. If we cannot negotiate a discount we do not get paid so you have absolutely nothing to lose.

2. WHY SHOULD I USE eDebt Management, Inc. ARBITRATORS? TOP
We have over 250 years of combined experience in dealing with creditors. No need to take time off work to receive our help. We are available through:

• Phone
• Internet (email, WWW)
• Mail
• You remain in control
• Easy method of payment
• Our friendly, caring staff of experienced negotiators

3. WHAT CAN WE DO FOR YOU? TOP
Creditors of secured and unsecured debt often greatly reduce or eliminate interest and late fees in order to help you get out of debt. We are also successful at reducing the principal owed. This includes successfully negotiating judgments, charge-off and certain tax liens.

4. HOW MUCH CAN I SAVE? TOP
We work to get you a 40% - 80% discount on each debt!

5. HOW FAST WILL YOU GET AN ANSWER? TOP
We usually negotiate a discount within 2 - 4 business days.

6. HOW DOES THE eDebt Management, Inc. PROGRAM DIFFER FROM CHAPTER 7 AND CHAPTER 13 BANKRUPTCY? TOP
The eDebt Management, Inc. is a partial payback to all creditors, unlike Chapter 7 bankruptcy. Chapter 13 in wage re-organization program where the creditor take less interest but you still agree to payback all the money in a three to five year period. Although bankruptcy is an option available to most consumers, we believe the eDebt Management, Inc. program as the logical first step. Unlike bankruptcy, we will work with your creditors to preserve the integrity of your credit history. It is much better to show that you paid your creditors (only you will know that you you paid your debt at a fraction of its value) than declare bankruptcy which will stay on your credit report for 7 - 10 years.

7. CAN A eDebt Management, Inc. REPRESENTATIVE GIVE LEGAL OPINIONS ON MY OPTIONS? TOP
NO.eDebt Management, Inc. is NOT a law firm and most of our Representatives are not attorneys. They can only explain the benefits of our program. You must ultimately make the decision on whether the eDebt Management, Inc. program meets your needs. If you have legal questions, we recommend that you seek qualified legal assistance.

8. WILL YOUR HELP AFFECT MY CREDIT REPORT? TOP
NO! We never report information about you to any credit bureau unless you request our help in making sure the debt is marked as fully paid on your credit report. Some organizations that help people with their financial problems report their clients. We never do. Some creditors will report your account as current upon the successful completion of your payment program.

YES! Any effect on your credit report should be in a positive nature by showing that the debt is paid off. It is always better to have debt that is paid off rather than a debt that is still outstanding.

9. WHY DO I NEED YOUR HELP? CAN'T I CONTACT MY CREDITORS MYSELF? TOP
Unless you have the skills and experience that we do, you will never know if the creditor is giving you the best terms available. In some cases, you might inadvertently cause more damage by trying to work with a complicated system where you have little knowledge.

Some clients have come to us after they tried to contact their creditors directly. They found that the process was consuming too much of their time, was overly complicated, and involved procedures that were difficult to understand.

Most often, when a client has contacted the creditor directly they found that the creditor was not sympathetic to the debtor and would not give any discount whatsoever. In fact, when the debtor personally contacts the creditor it often brings up emotional issues that USC does not have to deal with in the negotiation.

Remember, eDebt Management's debt settlement service is GUARANTEED!