Detailed information about our processing services.

1. “BALANCING LIVES AND CHECKBOOKS”
8323 N.W. 12th Street, Suite 216
Doral, FL 33126
Phone: 1-866-231-5668
Fax: 305-447-5027
Thank you for your interest in our affiliate program. I’d like to share more information on our very
unique affiliate program that I know you will find to be far superior to other affiliate programs.
Consumer Debt Solutions was founded in June of 2000 and we have an A+ rating with
the Better Business Bureau. We are a premier provider of online financial services and
debt consultations. We are currently members of AADMO (American Association of Debt
Management Organizations). to keep track of this ever changing industry and review state laws
and new legislation. We pass this information along to our affiliates as well.
We are an intermediary between the consumer and the debt consolidation or debt settlement
agency. We provide your clients with a very unique benefits package that gives you and your
customers many advantages. The following are the benefits given to the customer:
● Personal Credit Coach - This software provides your customer with their credit
score each month, 24/7 fraud monitoring and $25,000 worth of identity theft
insurance. (At this time, this service is provided to debt consolidation customers only)
● Budget Tracker - Our online budget tracker helps customers keep track of their daily
transactions. It also alerts them when they are close to meeting their budget or have
exceeded their budget in different categories.
● Lifestyle Management Coaching - The customer will receive 12 thirty minute
sessions with one of our Lifestyle Management Coaches upon request. The Lifestyle
Management Coaching Program at Consumer Debt Solutions was established and
operated by graduate and doctorate level trained mental health professionals. The
program is intended to work with individuals and families who are experiencing
problems of debt as a result of compulsive spending, compulsive incurring of debt,
compulsive under-earning and problems managing inherited wealth. It is offered within a
comprehensive framework that will lead to a healthy and balanced financial,
● emotional, and spiritual life.
● Customized Financial Analysis - The financial analysis is a snapshot of the customers
current financial situation. It calculates their net worth, what they will spend in interest on
each card if they do not enter a debt management program, comparison of income and

2. expenses to the national average and much more.
● Credit Education Course - This course will teach them every aspect of credit
(i.e. how to shop for the right credit card, how to increase their credit score, etc...)
● Lifestyle Management Coaching Workbook - This workbook was created for
customers that would rather read the workbook instead of speaking personally with a
Lifestyle Management Coach.
We are the only company in the country that provides this benefits package.
Advantages of using our services:
1. Since we are providing your customers with a benefits package, you are not considered
an “enrollment agency”. If you do not sell a product separate from the debt management or
settlement program, you are simply an “enrollment agency”. Please review “Federal Trade
Commission vs. Debt Set”. You do not want to be an enrollment agency.
2. Our database allows you to quote a debt management plan or debt settlement plan. This
creates diversity within your organization. Most processors do not offer this.
3. We will provide your customers with a benefits package that no other company in our industry
provides. This is a great selling tool.
4. Our customer service staff is fully bi-lingual and can assist customers in English or Spanish.
5. You are working with a company that’s model has been time tested.
6. We have an A+ rating with the BBB. Most debt settlement companies have an F rating. Our
BBB record is great as a sales tool.
Affiliate Process:
We will thoroughly train you and your staff on how to use the database to submit a client. We
will also give you all of the guidelines needed to submit a file including scripts, frequently asked
questions, etc... The following are steps you will take to submit a customer to CDS:
1. Assess the customers financial situation and determine whether they need a debt
consolidation or debt settlement program.
2. If one of those programs fits their needs, you will take the customers information, including
creditors and income/expense information and let the customer know what their monthly
payment and pay off term will be through the program.
3. If the client wants to proceed, you will take their banking information and send out the CDS
service agreement.
4. When the agreement is received, you will go through a recorded verification with
the customer and then forward the agreement to us. We will take care of the rest.
5. When the customer pays the upfront fee, you will receive your portion of the commission. We
pay on a weekly basis. Our accounting department will go over the details with you.
Debt Management and Debt Settlement Services:
We work with trusted debt management and debt settlement processing centers. When you

3. submit a client to us, we will go through the following steps:
1. Set up their ACH draft
2. Give the customer a welcome call to verify that the understand the program and the process
3. Once the customer has paid their upfront fee, we will send out a welcome letter and contact
them to gather creditor account numbers, verify their income and expense information, verify
their bank information and make sure that all of the information in the database is correct.
4. We will send the customer the processing center’s contract to sign and send back to us.
5. Once we have all of the information and documentation we need, we will send that to the
processing center.
Training and Support:
Charles Sherrer, our affiliate manager, is there to serve you in any way possible. He will
thoroughly train you and give you any assistance and support you may need. If he is not
available, I will be there to assist you.
Attached is the ISP Agreement for your review. If you need more information on our services,
please visit our website at www.consumerdebtsolutions.net. If you have any questions,
please feel free to contact Charles Sherrer at 305-447-5009 Ext. 234. If you cannot
reach Charles, please contact me at 305-590-5300. We look forward to working with you!
Sincerely,
Christina Carman
CEO / President
Consumer Debt Solutions, Inc.
Phone: 305-590-5300
Cell: 305-588-2936
IM Screen name: christinacarman@hotmail.com
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4. TESTIMONIALS
...Well my husband and I are happy with the results we are having with the consumer
debt solutions. It has lifted a load off our shoulders and we can relax a
little bit more. I have talked to family and friends about how much you have
helped my family and if at any time in the future they need help
consolidating their debts to give you guys a thought. So once again thank
you from the Casil Family
Respectfully,
Mr. & Mrs. Casil
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Consumer debt solutions is a helpful program and thanks to them, my debts are under control.
Gemma H.
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This service has been a godsend. Before I signed up for the program, I was struggling to pay
mininum payments to credit cards with high interest rates. I was going nowhere fast. Since
signing with Consumer Debt Solutions, the interest rate has been reduced to a manageable
level and the credit card companies have reduced my payments. Now I see progress on my
monthly statements. This program has truly saved me from a lifetime of debt.
Karen K.
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5. Dear jay, thanks for checking in and Making sure of my satisfaction on the program. It is a
Life saver! I now can wake up everyday and not have to worry about my creditors calling and
making my payments for me has eased my worries also. I actually have funds left over in my
account each month and not having to pay the late fees is great! You all are a blessing and I
could not have done this with out your help.
Sincerely, R. Backus
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I had always been good on paying my creditors on time. Until my income was decreased
substancially. I was struggling to take care of the necessaties let alone my credit card bills. So,
August 2008 after searching the internet, i decided to enroll with Consumer Debt Solutions/
Credit Guard of America. It was the best decision I made! The collection calls have ceased,
I'm saving money, and can treat myself to something nice every once and a while. Which is
something I could not do with the debt hanging over my head. The enrollment process was fast
and easy. The CDS counselor notified me of any changes requested by the creditor (payment
increase). I have been able to reduce my debt faster that I thought I would. For anyone
struggling to pay creditors, I would give Consumer Debt Solutions a call.
Thank you Consumer Debt Solutions!
S.Simmons
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I am happy with the services that i am getting because they are helping me get out of debt in
a short period time at a low cost. I also like how they call to make sure you are okay with the
program and if you have any questions.
Nichole P.
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I joined the Debt Consolidation program when I realized how I was drowning in my bills. I
couldn’t make my monthly payments because I couldn’t get caught up on the late payments
and the fees that accrued. Since joining the program the collectors have stopped calling and
I am able to make my monthly payment. Most of the stress has been lifted and the bills are
getting paid. It’s a win win for everyone!!
Angela
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