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* Clients who make all their monthly program deposits pay approximately 45–50% of their enrolled debt before fees, or 65–85% including fees, over a period of 24 to 48 months; however, some program lengths may extend beyond this range. Individual results vary based on specific circumstances. Not all clients are able to complete the program, including due to an inability to save sufficient funds. Our estimates are based on prior results and do not constitute a guarantee that your debts will be resolved for a specific amount, percentage, or within a specific timeframe. We do not assume your debts, make monthly payments to creditors, or provide tax, legal, bankruptcy, accounting, or personalized credit advice.

F10 Financial Group, LLC dba Optimal Debt Solutions is not a credit repair company. We do not offer credit repair services or credit repair advice. Participation in our program is not intended to improve your credit profile.
 
The use of debt settlement services will likely negatively affect your creditworthiness, may result in collections activity or legal action by creditors or collectors, and may increase the outstanding balances of your enrolled accounts due to the accrual of interest and fees. However, negotiated settlements resolve the entire account, including all accrued interest and fees. Our services are not available in all states, and fees vary by state. We are licensed to operate in states where licensing is required by law. Please consult a qualified tax professional to understand any potential tax implications of resolving debt for less than the full balance owed. Read and understand all program materials prior to enrollment, including all terms, fees, and potential impacts on your credit profile.
 
F10 Financial Group, LLC is registered with DFPI under CCFPL – Registration Number: 01-CCFPL-2095431-346645