INFORMAL DISTRIBUTION (NOT ADMINISTRATION OR DEBT REVIEW). THIS IS CONDUCTED BY GROUP OF ATTORNEYS WHO WILL NEGOTIATE ON YOUR BEHALF WITH YOUR VARIOUS CREDITORS, LOWERING THE INSTALLMENT BY UP TO 50%, SAVING YOU MONEY. YOUR INSTALLMENT WILL PAID INTO A TRUST ACCOUNT FROM WHERE IT WILL BE ALLOCATED AND DISTRIBUTED TO THE VARIOUS CREDITORS ON A MONTHLY BASIS. YOU WOULD BE ABLE TO CANCEL THIS AGREEMENT AT ANY TIME.