No one can, and it is illegal to make such promises. We have nearly two decades of experience, so after reviewing your creditors, we design your program with a realistic good-faith estimate, factoring you’re the individual creditor you owe. Also, we only collect our negotiation fees after we have successfully settled a debt with your approval and payment has been made towards the reduced balance. We have found many other companies make it a practice of over-promising and under-delivering. Our goal is to be more conservative with our estimates. We prefer our programs to take less time than estimated as much as possible, although some clients will be enrolled longer than estimated. Texas residents often contact us upset after utilizing an out-of-state competitor after realizing the competitor quoted unrealistic estimates to sign them up for their services. One of the largest out-of-state Debt Relief companies was sued by the federal government and several state governments for repeatedly misleading their clients. Our company will not give you an unrealistic estimation to get your business in bad faith. Contact us if you want an honest assessment. We will always work hard to obtain the best deal possible with your creditors.