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______________Friday, June 28, 2002
Savings Sample

Company Beginning
Balances		 On Your Own
Repayment
Amount		 Credit Help
Repayment
Amount		 Savings On Your Own
Repayment
Time (Years)		 Credit Help
Repayment
Time (Years)
Advanta $2000.00 $11960.82 $2659.53 $9301.29 37 Years 6 Years
Nations Bank $2356.00 $4446.65 $3201.11 $1245.54 15 Years 5.5 Years
Citibank $1900.00 $4990.73 $2238.51 $2752.22 17 Years 4 Years
MBNA $1800.00 $4642.75 $2306.21 $2,336.54 16 Years 6.5 Years
Macy's $2200.00 $10338.75 $2200.00 $8138.75 31 Years 2.5 Years
Total $12,356 $43962.21 $15215.36 $28746.85 23 Years 4.5 Years

Approximate Debt Repayment Time

On Your Own 23 Years
Credit Help's Plan 4.5 Years

By using our plan you will save over $28,000 in payments
and pay the debt off 18.5 years sooner

Note: All figures are "estimates" and are based on an "average" client. Each client's individual savings will vary. All "on you own" payments are based upon the creditor's minimum amount due, and their most common APR.

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