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DISCLAIMER: As with any financial venture, there are risks involved. Topaz Financial Services does not guarantee any specific result. Topaz Financial Services cannot compel creditors to negotiate in good faith but will apply its best efforts to negotiate all accounts placed in our program. Topaz Financial Services does not control the actions creditors or third party collectors may take when attempting to collect on past due accounts; which may include phone harassment and litigation. Past performance is no indicator of future outcomes, and individual results may vary.