In some instances, we may ask that you participate in negotiations with one or more of your creditors. This participation may involve you joining one of our negotiators or representatives in communications with a creditor or, possibly, you communicating with a creditor directly.

You are not required to participate in such negotiations. If you choose not to participate, we will discuss with you alternative strategies for settling that debt.

You may request that we continue attempts to negotiate a settlement of the debt without your participation.

You may also withdraw that debt from your program at any time before it is settled with no charge or penalty to you. If you withdraw a debt, we will continue our efforts to settle any remaining debts in your program.
If we do ask for your participation in negotiations with your creditors, and you agree to participate, we will advise you throughout the process, and we will charge our settlement fee, as described in your Debt Resolution Agreement.