Liberty Debt Relief's 100% Money Back Guarantee If you qualify for LDR's "Debt Reduction Program", we guarantee that you will save money using our program. We guarantee that your total average savings will be 30% or greater, or we will refund 100% of all fees paid to LDR. In most cases the average savings is 50-60%. While we can't guarantee an exact percentage on each account, our debt negotiators work hard and have years of experience dealing with unsecured creditors, and they negotiate millions of dollars in settlements yearly. Once qualified, you'll have nothing to lose except your debt! GUARANTEE TERMS AND CONDITIONS: The 100% money back guarantee applies to anyone who has spoken with our senior debt consultants, qualified, and signed up for the unsecured debt relief program. Once the client has completed the debt relief program which typically runs from 12-48 months... Client's total debts included in this program will be settled at an overall savings average of 30% or greater AT THE TIME OF SETTLEMENT when all settlement percentages are averaged together. Client understands that the balances owed on Client's accounts will likely be higher at the time of settlement due to increased interest and fees added by the creditors. (VERY IMPORTANT – the guarantee is not based on cutting Client's debt by 30% on the amount of money Client owes; it is based on averaging the settlement percentages and achieving an overall rate of 30% or greater of the accounts included in the guarantee.) Excluded from this guarantee, and any calculations upon which this guarantee is based, are any accounts on which a lawsuit is filed, any accounts upon which Client elects to make a payment plan rather than waiting for a later opportunity to make a settlement, and any accounts that Client elects to settle despite Company's recommendation that a better settlement can be obtained later. This guarantee is voided if: Client elects not to make Settlement Deposits or fails to make the recommended Settlement Deposits; Client fails to follow the instructions of Company; Client cancels prior to having ALL of Client's accounts either settled, paid in full, or a payment arrangement made; Client settles ANY creditor account on Client's own, without the permission of Company; Client interferes in any way with a settlement being done by Company that jeopardizes the percentage and causes the creditor to raise the percentage of the settlement. If the final average settlement percentage of ALL accounts is less than 30% savings at the time of the final settlement, the Company will reimburse 100% of fees paid to Liberty Debt Relief.