Section 310 (a)(1)(viii), as amended, will ensure that before consumers sign any contracts with or make any payments to a
debt relief company, they will be informed
of pertinent material facts including, among other things: (i) how long it will take to settle each
debt; (ii) the
cost to settle each
debt; (iii) that the service will not stop harassing creditor calls or other collection efforts; (iv) that results are not guaranteed, and (v) that the
settlement program may adversely impact the consumer's credit rating.