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HOME"FTC Charges Marketers with Making Unsubstantiated Claims that They Could Eliminate Consumers' Debt" FTC Website 12/10THE FACTSBEWARE!From the FTC news release (12/10)"As part of its continuing crackdown on scams that target consumers in financial distress, the Federal Trade Commission has charged three debt relief operations with making unsubstantiated claims to lure consumers nationwide into paying thousands of dollars in up-front fees, but failing to reduce credit card debts as promised.The FTC’s complaints charge that few consumers received the promised results. Many consumers canceled or dropped out of the programs before their debt was reduced because they couldn’t afford to pay the defendants’‘ sizable advance fees and accumulate money to pay off their debts."But there IS another solution...THE SOLUTIONTHE BOOKAmericans today face an unprecedented crisis: Personal debt is reaching astronomical highs, and there seems to be no relief in sight. But there is a way to escape the burden of debt; there is hope. And that hope comes in the form of debt negotiation and settlement. Simply put, your creditors would much rather negotiate to lower your obligations than have you default completely on your debts. Inside the pages of this book you’ll discover how to negotiate your personal debt down to an affordable level. So you can achieve financial freedom, and take back control of your life.THE PROOFTHE PROOFCredit card companies make 30 BILLION DOLLARS profit each year. A nice chunk of these profitscome from unnecessary fees – activation fees, annual fees, maintenance fees, late fees, overlimitfees, credit protection fees, sign-up fees. And the profits grow even more if you haveless than perfect credit. Approximately 35 million Americans pay only the minimum payment required each month.Nearly 144 million Americans have credit cards, but only 38%) pay their balance every month.The industry terminology for someone who pays his or her balance in full each month is a “deadbeat”. News

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ABOUTThe AgenciesOn Your SideFederal Trade CommissionConsumer Response Center600 Pennsylvania Avenue, NWWashington, DC 20580 Web: www.ftc.gov A copy of the Fair Debt Collection Practices Act is available at: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdfBetter Business Bureau – - research or report on companies at www.bbb.orgNational Do Not Call registry –gives you a choice about whether or not to accept telemarketing phone calls.Phone: (888) 382-1222 Web: www.donotcall.govThe New LawsThe FTC recently announced changes to the Telemarketing Sales Rule that prohibit companies that sell debt relief services over the telephone from charging fees before they settle or reduce a customers’ credit card or other unsecured debt. This ban on advance fees protects all consumers who enroll in a debt relief service after October 27, 2010, and specifies that fees for debt relief services may not be collected until: the debt relief service successfully settles or changes the terms of at least one of the consumer’s debts; there is a settlement agreement, debt management plan, or other agreement between the consumer and the creditor that the consumers has agreed to; and the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider. THE BOOKYour Debt is NegotiableA comprehensive guide to debt negotiation and settlement Now Only $19.95!CONTACTContact us:email: customerservice_negotiadebt.comcountry: USAaddress: 27702 Crown Valley Pkwy, D4 #424 Ladera Ranch, CA 92694

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