SCHEDULE OF SERVICES

Vanguard Settlements, LLC

Service Overview

Vanguard Settlements, LLC provides debt settlement assistance, creditor negotiation, debt resolution planning, credit education, and financial recovery guidance.

Services begin with an initial consultation and financial review. A formal client relationship is established only after the appropriate written agreement has been reviewed and signed.

Debt Settlement and Negotiation

Vanguard Settlements, LLC assists clients with evaluating eligible unsecured debts and developing strategies to resolve those obligations.

When authorized, we may communicate and negotiate with creditors, lenders, debt owners, and collection agencies in an effort to obtain reduced lump-sum settlements, structured settlements, or other acceptable resolutions.

Creditor participation and settlement amounts are not guaranteed.

Debt Resolution Planning

We may review a client’s debts, income, expenses, available cash flow, and financial circumstances to create an appropriate debt resolution strategy.

This may include:

Each client’s strategy is based on their individual circumstances.

Credit Education and Financial Guidance

Vanguard Settlements, LLC may provide educational guidance regarding credit reports, credit utilization, financial habits, budgeting, and rebuilding financial stability following debt resolution.

Credit education does not guarantee a particular credit score increase, account deletion, financing approval, or other specific credit outcome.

Creditor Communications and Verification

When necessary, Vanguard Settlements, LLC may communicate with authorized third parties to verify debts, confirm balances, review account information, or administer services.

These parties may include creditors, collection agencies, financial institutions, credit reporting agencies, payment providers, attorneys, and authorized service providers.

Personal information will be handled in accordance with our Privacy Policy and applicable law.

Billing and Fees

Vanguard Settlements, LLC does not charge or collect upfront debt settlement fees.

Clients are not required to pay Vanguard Settlements, LLC debt settlement fees before the applicable services have been performed.

All fees and payment terms will be clearly disclosed in the client’s written agreement.

Funds that a client sets aside for the purpose of resolving debts are separate from fees paid to Vanguard Settlements, LLC.

Debt settlement fees are collected only after the applicable service has been performed and the requirements for earning the fee have been satisfied.

Client Responsibilities

Clients are expected to provide accurate financial information, maintain communication with Vanguard Settlements, LLC, provide requested documents, report important creditor activity, and maintain sufficient funds for authorized settlement arrangements.

Failure to meet program responsibilities may affect our ability to provide services.

No Guaranteed Results

Debt settlement results vary based on creditor policies, account status, available settlement funds, client circumstances, and other factors outside the control of Vanguard Settlements, LLC.

We do not guarantee:

Compliance and Service Commitment

Vanguard Settlements, LLC operates from the State of Ohio and intends to conduct its services in accordance with applicable Ohio and federal requirements.

Our goal is to provide clients with a clear, professional, and transparent debt resolution process.

Clients will be informed of the services being provided, their responsibilities, and applicable fees before entering into a formal agreement.

Vanguard Settlements, LLC does not collect upfront debt settlement fees.