We may negotiate, directly or through a representative, with a variety of different entities to settle your debts.

These entities include the original creditor, the current creditor, or any other entity that may hold a debt, including any of their agents, attorneys, or third-party collectors.

The term "creditor" means any and all such entities with which we may negotiate, directly or through our representative, a settlement of your debts.

Notwithstanding the foregoing, we make no representation about our ability to negotiate with any specific creditor entity and make no representation about whether any specific creditor entity will negotiate directly with us.