The ideas and concepts contained herein are not to be considered as a solicitation to sell or purchase any product, including, but not limited to, mortgages, insurance or any securities. Neither Encore Capital Partners nor any of its members or principals are a registered investment adviser or certified financial planner in any state. Nor do they offer tax advice or serve as money or investment managers. Encore Capital Partners is not licensed to sell real estate, insurance or mortgage products in any state. To the extent any such products are offered, they are offered only through certain individual members or principal officers of Encore Capital Partners. None of the individual members or principals may be licensed or otherwise authorized to personally transact real estate, insurance or mortgage business in your state. Please consult the Management Team page of our website for the specific states in which our members and principal officers are authorized to transact such business. The strategies discussed herein are not appropriate for everyone. Suitability of such strategies and achievability of desired results depend on the facts and circumstances peculiar to each individual.