A: The program is split into two Phases, Phase One and Phase Two.  Phase Two consists of fourteen monthly payments determined by the debt amount that is being resolved and how many cards are included into the program.  This amount is usually lower than the minimum payments that would be required on the cards included into the program and shows the client savings while the debt is being resolved and assumed by Debtpro123.  At the start of this Phase Two the client will be required to send in Original Statements of all Creditors (not copies or credit reports) and fill out 3 additional forms; 1.) New terms and conditions purchase agreement, 2.) Power of attorney, and 3.) Two notice of assignments that must be notarized for each creditor. These forms will outline new terms and will allow for Debtpro123 to assume the liability of the debt, which is our proprietary business model to resolving the debt enrolled.