The Waterford Group helps businesses resolve debt issues through third party intervention and negotiation. They structure payment plans based on a client's ability to pay rather than creditor demands. Communication is key, as they establish lines of communication to negotiate in good faith. The Waterford Group obtains moratoriums on collection activity for 30-45 days to introduce and implement debt resolution plans. Their process focuses clients on business operations while settling debts over 9-15 months through small monthly payments.

1. Saving Businesses One Client at a Time
w w w . w a t e r f o r d n o w . c o m
Stephen T. Stalter
Vice President
570-291-0025 x 101

2. Professional Debt Resolution – Third Party Intervention
Professional debt resolution is a process where The Waterford Group
intervenes between a client and its creditors. A debt workout program is
structured based on what the client can pay, not what creditors demand.
Based on our client’s financial situation a debt workout program typically lasts
from 9 to 15 months and calls for our client to allocate a small amount of what
they actually owe to the program. We set this up once the client is on board
based on conversations and analysis we do with them one-on-one.
Communication is the back-bone of the intervention. A third party line of
communication is immediately established with the creditors in an open and
honest atmosphere. A non-aggressive, non-confrontational approach is utilized
to begin to calm the tensions between both parties and to implement a
satisfactory solution.
The Waterford Group establishes a creditor moratorium of 30-45 days from the
time of initial engagement in which the debt workout plan is formally introduced
to the creditors and then implemented on behalf of the client.

3. What We Do – “You were an answer to our prayer” Waterford Client
We reduce your debts by up to 70% of what you owe saving you huge
amounts of money and obtaining full release of liability eventually making
your business debt free.
We allow you to focus on your business without the constant
distractions and “firefighting” creditors.
We reduce or eliminate your legal costs while creating the time you
need to balance your budget and manage your cash flow.
We show you how to protect your assets and create a creditor proof
fortress for the future.
We help you keep your doors open and avoid bankruptcy.
The Waterford Group has successfully assisted thousands of clients
nationwide.

4. Targeted Debt Areas - We work on nearly all debts!
Unsecured Vendor Accounts
General Suppliers
Equipment Suppliers
Lenders (Unsecured & Secured)
Outside Service Providers
Including Temps or Outsource
Lawsuits, Judgments, Liens,
Collection Accounts
Foreclosures
……and more!
We specialize in working for
clients encumbered by the strain
of overdue debts and the burden
these debts place upon the
business.
By overdue debts we are referring to
payables owed to creditors which
have not been paid in at least 90
days due to a lack of cash flow each
month including →

5. Our Typical Client - “Looking back, how we got here was really
unavoidable.” Waterford Prospect
Sales are down or have been down and/or expenses are up. Your sales are
generating insufficient revenue to cover expenses. This may or may not have been for
an extended period of time but it has created a “catch-up” situation which has gotten out
of control. Why has this happened?
The loss of a key employee or shareholder
The loss of a key client
An unforeseen increase in expenses
Unforeseen competition
Economic factors
Natural or unnatural disaster
…and many other reasons including:
Receivables issues: Has a client failed to pay for services or are you being paid very
slowly?
Lack of capital: Have you grown too fast and/or is your business undercapitalized?

6. Our Client’s Typical Symptoms - “Dealing with this is ruining
our business.” Waterford Prospect
Denying a problem exists can put you out of business and so can dealing with it
on your own. Our program could be the answer. Are you dealing with or
experiencing any of the following symptoms:
Collection calls: Collection calls can or have become excessive - the creditors,
collection agencies and attorneys are monopolizing the business and are causing
stress.
Time away from the business focus: Have you had to devote either your time or an
employees time away from the business to deal with creditors, COD, lawsuits, etc?
Lawsuits: Lawsuits and judgments can drain scarce financial resources and threaten
the existence of your company unless you have a solid plan to address them.
More month than money: We never have enough income at the end of the month to
deal with this debt.

7. The Benefits – “We bet your business plan doesn’t have a section titled
Dealing with Creditors … The Waterford Group does!”
You start to focus on your business immediately. Once we intervene we stop the
large majority of the collection calls (85% on average) and we negotiate for a 30-45 day
creditor moratorium for you where little or no collection activity takes place. We direct all
creditor inquiries to our office and away from yours. We act as your accounts payable
department.
At a time when your cash flow is extremely limited and money is at a premium we make
every $1 you allocate to the debt workout worth up to as much as $3. Where can
you get a return on your investment like that?
GUARANTEED results! We guarantee results by a matter of contract in writing. We
only get paid if we perform for you. Our entire compensation structure is based upon
performance and we don’t get paid unless we save you money.

8. How It Works – An easy process structured around your cash flow
You allocate small amounts of money to your debts and w work with your creditors to
settle the debts one by one on your terms and not based upon their demands. We take
control and we give you control.
We get you the time you need to deal with the problem. The large majority of
creditors will work with us and you throughout process. Most will work with us for up to
15 months.
We show you how to protect your assets and create a creditor proof fortress for the
future.
As you fund your monthly commitment we begin settling your debts creditor by creditor.
Our average negotiated debt settlement with creditors nationwide is between $.35 and
$.45 on the dollar including our fees.
.

9. Performance Based Fees – We only get paid if we save you money
We earn our fees based on the amount of
money we save you. This insures that The
Waterford Team works tirelessly to save you
the greatest amount possible.
This is in stark contrast to most law firms,
bankruptcy specialists and consultants who
charge a fee and/or an hourly rate with no
guaranteed results.
Our Fee - Example: You owe Creditor A
$21,000. We settle this debt for $7,000. We
have saved you $14,000. Our fee is 24% of
the savings therefore we earn $3,360 for a
total settlement of $$10,360 and a net
savings to you of $10,640.
OUR GUARANTEE - If we can’t settle with a
creditor for less than 50% of the confirmed
balance owed, we earn no fees.

10. Actual Settlements – “Your results are phenomenal” - Waterford Client
Type of Amount Owed Settlement Client
Creditor to Creditor Amount Savings
Temporary Staffing * $1,800,000 $800,000 $1,000,000
Bank Loan ** $250,000 $85,000 $165,000
Material Supplier *** $128,000 $39,000 $89,000
Equipment Lease **** $98,000 $36,000 $62,000
* Creditor continued to do business with the client under a new contract
** Loan was secured and all collateral was released as part of the settlement
*** Material Supplier agreed to 12 payments over a 1 year period of time
**** Title to the equipment went to the client

11. Client Workout Examples – Unparalleled Results!
Client’s # of Total Actual Funding Debt
Industry Creditors Debt Savings % Workout
Health Care 64 $1.4M $864,000 4.5% 10 months
Manufacturer 22 $276,000 $190,000 3.7% 12 months
Physician 15 $150,000 $96,000 5.0% 9 months
Contractor 85 $880,000 $554,000 3.7% 12 months
Tech Firm 45 $1.8 M $1.08M 4.0% 11 months
Distributor 35 $500,000 $321,700 5.0% 9 months
Non-Profit 12 $195,000 $112,000 2.5% 18 months
*Results do vary but these are typical expectations for a client who funds the debt workout at the 4% - 5% amount
per month for the entire debt workout.
*Actual savings includes TWG-USA fees

12. What our Clients Have to Say -
“We would like to express our sincere
gratitude and appreciation to you and your
company for assisting our Firm with a debt
resolution plan which helped our company
through a difficult period of restructuring.
Your professionalism and dedication to our
account was key in resolving our debt quickly,
and also in preventing unnecessary legal
and/or collection fees from vendors. All
paperwork and payoffs to vendors were
completed in a very timely and acceptable
manner to all parties involved.”
Wood Design & Manufacturing Firm,
Illinois.
“Through your professional and timely efforts,
we were able to continue doing business as
usual. Your negotiating with our vendors and
creditors remedied our debts without
damaging our credit. All settlements left
everyone satisfied. It has been a pleasure
working with you.”
LTL Freight Transportation Firm, NY
“Your company was an answer to
prayer. We thought bankruptcy was the only
way to save our company. It was against
everything I believe in… you were able to
stop the calls for payments and satisfy our
vendors. You have been a real life saver in
a time of need and we would recommend
you to anyone.”
Towing & Wrecking Firm, PA
“The Waterford Group has taken the edge
off the collections and has been able work
with my creditors even after they said they
would not deal. I recommend you to
anyone.”
Insurance and Real Estate Broker, Texas
“We are not receiving creditor calls or letters
in large part to your efforts. We appreciate
your service and the professional manner in
which you conduct business.”
Advertising Firm, FL

13. The Waterford Difference – A breed apart
Waterford Group
1. We have an initial fee of $895 to manage all
of your debt which we give back to you as
we settle debts successfully as a rebate
against our fee until the entire $895 is back
to you.
2. Our performance / settlement fee is 24% of
the savings we earn for you provided we
meet our performance guarantee.
3. No termination fees, you want our just notify
us and its done.
Competition
1. Not A Chance - Our competitors charge
listing fees per creditor, retainer fees,
banking fees in addition to settlement fees.
Some even force you to allow them to take a
lien position against your assets!
2. Our competitors performance or settlement
fees are 35% of your savings .
3. Forget It. They charge you 2% of the entire
amount of debt they have under
representation if you try to get out.
Why are we so unique in our industry? Our results are unparalleled and we
GUARANTEE THEM IN WRITING CREDITOR BY CREDITOR. None of our
competitors offer you the total package of solutions or have the experience of the
Waterford Group having assisted thousands of companies nationwide.

14. Getting Started –“I wish I had done this sooner” Waterford Client
What you do…
1. You decide the amount of debt you need us to work on, your monthly
commitment to the debt workout and you execute the Services
Agreement & Limited Power of Attorney with our Representative.
2. You provide us with a detailed list of the creditors we are including in
the workout, their contact information and the amounts owed to each.
3. You issue a check in the amount of $895 made payable to The
Waterford Group – which you will get back as we successfully settle
your debts.

15. Getting Started – “I wish I had done this sooner” TWG-USA client
What we do …
1. When the executed agreement, power of attorney and payment arrive in our
Corporate office we will set up your account in our system and a Waterford
Group Resolution Specialist will contact you to review the workout plan and
to discuss any special circumstances.
2. We immediately contact your creditors and request a formal moratorium on
collection activities for 30 to 45 days at which time we will begin to
implement a workout plan to address their payables.
3. We will call you to discuss other Waterford Group Services you may need.
4. After a workout plan is determined you begin to fund the workout program
we have negotiated with your creditors.
5. Debts are settled one by one eventually making your business debt free.

16. Contact Information -
Stephen T. Stalter
Vice President
1143 Northern Boulevard, #323, Clarks Summit, PA 18411
Phone (570) 291-0025 x 101
Fax (215) 701-4405
steves@waterfordnow.com
www.waterfordnow.com