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DEBT SETTLEMENT AGREEMENT
This Debt Settlement Agreement (“Agreement”) is made this___________ day of ___________ 200__ between
Apex Financial Services, 20984 Bake Parkway Suite 106, Lake Forest, CA. 92630, (877) 235-3328, and
________________________________, (“Client”). This contract shall become operative on the date executed by
1. Services. Apex Financial Services agrees to provide debt settlement and restructure services to Client under the
terms and conditions of this Agreement (the “Service”). This Service consists of negotiating with creditors on
behalf of Client for reduction of unsecured debt and formulation of a payment plan. Apex Financial Services will
use commercially reasonable efforts to settle the Program Debt, as defined below. Apex Financial Services will
timely respond to all Client inquiries. Apex Financial Services will maintain the confidentiality of the personal
financial information provided by Client.
On acceptance of Client into the program, Apex Financial Services will provide a “Welcome Packet” containing a
Schedule of Program Debt, a Payment Schedule, a Fund Transfer Schedule, Account Agreement and Disclosure
Statement, along with further information about the program.
2. Client Obligations. Client will perform the following obligations:
(a) Client will satisfy Client’s financial obligations to creditors through the process known as debt settlement.
Client voluntarily enrolled into a debt settlement program offered by Apex Financial Services after being educated
on the various options available. The success of the debt settlement is based on the ability of Client to set aside
funds, which will allow Apex Financial Services to negotiate the settlement of debts.
(b) Client shall inform Apex Financial Services of any additional debtor, co-signer or guarantor of any of
Program Debt. Client is responsible for notif