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[Music] congratulations on starting your debt settlement journey with beyond finance our program has helped thousands of people like you save money and pay off debts faster than they could on their own you qualified for our program because we are confident we can reduce your monthly payments help you pay off your debts for a fraction of what you owe get you out of debt years earlier than you could on your own in many cases we can lower your monthly payments by up to half you may be thinking that sounds great but how does it actually work [Music] we created this video to walk you through our program so you know exactly what to expect [Music] the program begins when you enroll your debt and decide to stop paying your creditors instead you will make monthly deposits to a dedicated account in your name that we help you open your deposit amount will be less than the minimum payments you are making on your debt before you begin the program [Music] its important to make sure your first depo