As you can see, we provide a comprehensive program of asset protection and creditor deterrence that facilitates a much more favorable debt resolution compared to debt settlement or Chapter 13 bankruptcy. A key component to our program is it's ability to deter creditors from pursuing collection actions. All creditors have a certain method and procedure they follow to attempt to collect delinquent debts and our system complicates that process, reduces their effectiveness and increases their costs. This often makes the account too difficult to pursue and the creditor ultimately gives up, moves on to the next case, and either deems it uncollectible or sells your uncollectible account to someone else. It's important to understand that debt collectors don't have to collect on every account to make a significant profit. This is how we are eventually able to get it cancelled, which typically takes place between 12 and 18 months.