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Home > Debt Relief Industry > Let’s Play Do They Comply – CreditCard-Debt.us.com

Let’s Play Do They Comply – CreditCard-Debt.us.com

A tipster (send in your tips here) brought the following site to my attention, CreditCard-Debt.us.com. The tipster (send in your tips here) said:

Who is buying leads from this company? They are clearly lead gen based. They may be selling leads to companies that are not aware of what they are saying to a consumer to have them fill out their forms, then passing it on to them. YES, the debt settlement or cccs company is ultimately responsible but you know that these lead source providers will say one thing and do another. They have been one of the major causes of misleading ads to consumers. If a DS or CCCS company is knowingly buying these leads or once exposed, continue to purchase from this source, then they should be equally exposed.

So let’s take a look at the one page site.

Lets Play Do They Comply   CreditCard Debt.us.com

Here are some quick observations:

  1. The TRUSTe and CyberTrust links don’t work.
  2. I seriously doubt the “featured on” logos are accurate. Was this site actually covered by a journalist on these sites or did they just advertise on those networks?
  3. Are the debt relief claims made accurate? In my opinion, they seem blatantly deceptive but what do you think?

The site is owned by:

K L
Marley There Marketing
2232 S. Nellis Blvd Suite G3
Las Vegas, NV 89107

I checked the TRUSTe directory for Marley There Marketing and there was no listing. In addition the CyberTrust seal displayed is not valid after June, 2010 when Verizon bought CyberTrust and changed the seal.

When you complete the information request form on the site you get this page.

Lets Play Do They Comply   CreditCard Debt.us.com

The page pushes the sale of a credit report and it is interesting the page says, “Answer the following security question to expedite the processing of your debt application:”

After completing the form I was immediately contacted by NationalDebtResolution.com and ClearChoiceFS.com who were trying to sell debt settlement services.

More Information

The following sites reside on the same server:

Bankruptcy-options.us
Bestloanmodonline.net
Easylifeinsurancequotes.net
Esolarenergy.net
Ibankruptcy.net
Obamahousingplan.net
Usdebt-consolidation.org

I think you’ll find one of the other sites interesting.

Lets Play Do They Comply   CreditCard Debt.us.com
ObamaHousingPlan.net

Lets Play Do They Comply   CreditCard Debt.us.com
Get Out of Debt Guy – Twitter, G+, Facebook

I can always use your help. If you have a tip or information you want to share, you can get it to me confidentially if you click here.

Let's Play Do They Comply - CreditCard-Debt.us.com by

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Debtconsoli03

    What a read,
    Some good ideas there here. How to find a debt reduction agency is an easy task, but you need to find a debt reduction program that helps you get rid of debt in a legal way. You will have to consider a number of factors before finalizing a debt reduction agency that will suit your purpose. I have found a great place to start is a little known but awesome site is the ‘Debt Consolidation Resource’ it has helped me a lot, you can see it at
    http://www.debt-consolidation-

  • ComplianceSlave

    It’s defiantly not compliant. Is it yours?

  • Joe_debt_jr

    In my opinion, since the owner of this site sole purpose is to present opinions and insite for consumers about their financial needs and lately the biggest topic has been the investigations of debt relief companies that having these ads posted is making Steves job easier to research on. thats my opinion. If I was a journalist and I am writing about Food Chains, and all my ads is filled with Companies providing Food that will make my job easier to write about especially if someone points out a company that is listed.

  • Steve Rhode

    I talk openly and transparently about the the ads, read this. It is the link that is under every ad block.

    You will find on that page:

    “Another statement that has been made is that I could go in and block “bad” companies from advertising on this site. The reality is it would be a nightmare to be able to proactively discover all the bad actors in the world and then police filters to block them. It’s a logistical nightmare. So I don’t do that.”

  • $$

    No way to filter the ad’s? And I suppose Toys R Us cant control if porn websites want to put ad’s on their sites then right?..Steve is the owner of this site and has complete control over what ad’s are on his site, its just all about the money…nice pic though

  • Damon Day

    Hello $$, what I think is disturbing is that you are rendering an opinion about something before you took a second to click the link under the ads called “Everything you want to know about the ads”. Let me save you one click and give you the relevant site terms relating to the ads.

    Why There Are Ads

    Since this site does not charge users or visitors any fee, nor sell any products or services the reality is that any income this site derives from advertising helps to pay for the reporting, research, and journalistic work we do, just as any newspaper, magazine, news operation, television channel, radio station, or publication is supported by advertising revenue. It is because of the ads that this site can do all the good work it does.

    Our work is not paid for by consumers or by creditors as credit counseling is, and we sell no services as debt relief companies do, there are no products to buy and we don’t even solicit contributions to help fund our work.

    Information About Advertisements

    Site visitors should exercise the same level of caution when selecting a merchant or provider from links or advertisements on this site as they would if they found the link elsewhere. The fact that an ad appears and is linked is NOT an endorsement from this site.

    Google Ads – I have no input or control over what ads appear. Different ads may appear based on where you are surfing from or some other factor Google uses to determine ads. The ads are automatically generated by Google using some magic mojo but the ads are typically contextual, meaning that they are displayed by Google using the content of the page as a clue about what to display. It is doubtful the ads on this site will be for playground equipment, purple puppies, or evening wear. It is very possible it will be about something credit or debt related since the ads are picked contextually and that’s what I write about.

    Some people have made the claim that my writing is in an effort to display certain ads on the site for people to click on. That’s simply not true and does not make logical sense. If I write about my concerns about pink elephants, for example, and ads related to pink elephants appear on the page, it is not reasonable to assume that readers will then in turn click on an ad for pink elephants when I just warned them about those darn pink elephants. Ultimately I have no clue who clicks or does not click on an ad.

    The ads are also great research for me and help me to spot new entities that make interesting or odd claims and that need my attention. I find them very helpful for research of new investigations and articles.

    Another statement that has been made is that I could go in and block “bad” companies from advertising on this site. The reality is it would be a nightmare to be able to proactively discover all the bad actors in the world and then police filters to block them. It’s a logistical nightmare. So I don’t do that.

  • ComplianceSlave

    You obviously don’t know Steve. Google places those ads. there is no way to filter what they place.
    What in the world could you possibly have negative to say about this site, unless, of course, you’re income relied on one of those companies….?

  • Debtinitiative

    Here is there google ad and I don’t think this is compliant:

    Government Debt Relief
    NationalRelief.com/Debt-Relief Obama Debt Relief Plan on MSNBC. Free Qual – Call Now 866-779-4485
    Debt Settlement – Debt Relief in Your State – Debt Relief Program Benefits

    http://www.nationalrelief.com/

  • Debtinitiative

    Here is there google ad and I don’t think this is compliant:

    Government Debt Relief
    NationalRelief.com/Debt-Relief Obama Debt Relief Plan on MSNBC. Free Qual – Call Now 866-779-4485
    Debt Settlement – Debt Relief in Your State – Debt Relief Program Benefits

    http://www.nationalrelief.com/?affid=201&gclid=CJW_9uyNq6UCFQQQbAodXh_RXw

    • http://www.ftc.gov ComplianceSlave

      It’s defiantly not compliant. Is it yours?

  • $$

    What I think is disturbing is this site has debt settlement ad’s on it, from many of the same companies have collected fee’s up front for years and some still do, yet Steve will let them advertise on this website while putting down these same companies….its sad that money is more important than ethics on this site.

  • $$

    What I think is disturbing is this site has debt settlement ad’s on it, from many of the same companies have collected fee’s up front for years and some still do, yet Steve will let them advertise on this website while putting down these same companies….its sad that money is more important than ethics on this site.

    • http://www.ftc.gov ComplianceSlave

      You obviously don’t know Steve. Google places those ads. there is no way to filter what they place.
      What in the world could you possibly have negative to say about this site, unless, of course, you’re income relied on one of those companies….?

      • $$

        No way to filter the ad’s? And I suppose Toys R Us cant control if porn websites want to put ad’s on their sites then right?..Steve is the owner of this site and has complete control over what ad’s are on his site, its just all about the money…nice pic though

      • http://GetOutOfDebt.org Steve Rhode

        I talk openly and transparently about the the ads, read this. It is the link that is under every ad block.

        You will find on that page:

        “Another statement that has been made is that I could go in and block “bad” companies from advertising on this site. The reality is it would be a nightmare to be able to proactively discover all the bad actors in the world and then police filters to block them. It’s a logistical nightmare. So I don’t do that.”

      • Anonymous

        In my opinion, since the owner of this site sole purpose is to present opinions and insite for consumers about their financial needs and lately the biggest topic has been the investigations of debt relief companies that having these ads posted is making Steves job easier to research on. thats my opinion. If I was a journalist and I am writing about Food Chains, and all my ads is filled with Companies providing Food that will make my job easier to write about especially if someone points out a company that is listed.

    • http://DamonDay.com Damon Day

      Hello $$, what I think is disturbing is that you are rendering an opinion about something before you took a second to click the link under the ads called “Everything you want to know about the ads”. Let me save you one click and give you the relevant site terms relating to the ads.Why There Are AdsSince this site does not charge users or visitors any fee, nor sell any products or services the reality is that any income this site derives from advertising helps to pay for the reporting, research, and journalistic work we do, just as any newspaper, magazine, news operation, television channel, radio station, or publication is supported by advertising revenue. It is because of the ads that this site can do all the good work it does.Our work is not paid for by consumers or by creditors as credit counseling is, and we sell no services as debt relief companies do, there are no products to buy and we don’t even solicit contributions to help fund our work.Information About Advertisements Site visitors should exercise the same level of caution when selecting a merchant or provider from links or advertisements on this site as they would if they found the link elsewhere. The fact that an ad appears and is linked is NOT an endorsement from this site.Google Ads – I have no input or control over what ads appear. Different ads may appear based on where you are surfing from or some other factor Google uses to determine ads. The ads are automatically generated by Google using some magic mojo but the ads are typically contextual, meaning that they are displayed by Google using the content of the page as a clue about what to display. It is doubtful the ads on this site will be for playground equipment, purple puppies, or evening wear. It is very possible it will be about something credit or debt related since the ads are picked contextually and that’s what I write about.Some people have made the claim that my writing is in an effort to display certain ads on the site for people to click on. That’s simply not true and does not make logical sense. If I write about my concerns about pink elephants, for example, and ads related to pink elephants appear on the page, it is not reasonable to assume that readers will then in turn click on an ad for pink elephants when I just warned them about those darn pink elephants. Ultimately I have no clue who clicks or does not click on an ad.The ads are also great research for me and help me to spot new entities that make interesting or odd claims and that need my attention. I find them very helpful for research of new investigations and articles.Another statement that has been made is that I could go in and block “bad” companies from advertising on this site. The reality is it would be a nightmare to be able to proactively discover all the bad actors in the world and then police filters to block them. It’s a logistical nightmare. So I don’t do that.

  • Sherlock

    No Shit, Sherlock!!

  • Joe_debt_jr

    Problem is consumers will be more attracted to false hope so these marketers uses that as a tool to lure them in and draw more traffic to their landing pages, which is sad and what is sadder is that the marketers of these pages do not care because, more traffic means more companies willing to purchase these leads from them.

  • Observer

    National Debt Resolution has a few claims on their home page that will likely get them in hot water if their historical data cannot support the claim. Specifically “Use debt settlement to reduce your balances up to 60%”.

    They contradict themselves from one page to the next.

    They state you will not see this program on your credit report for the next 7-10 years which is false. Late payments and charge offs will stay on the report for 7.5 years from date of last payment.

    I did not cruise the whole site, but would suggest they clean up several areas of concern.

    The Clear Choice Financial Service web site appears to focus only on Home Loan Modifications.

  • Observer

    National Debt Resolution has a few claims on their home page that will likely get them in hot water if their historical data cannot support the claim. Specifically “Use debt settlement to reduce your balances up to 60%”.

    They contradict themselves from one page to the next.

    They state you will not see this program on your credit report for the next 7-10 years which is false. Late payments and charge offs will stay on the report for 7.5 years from date of last payment.

    I did not cruise the whole site, but would suggest they clean up several areas of concern.

    The Clear Choice Financial Service web site appears to focus only on Home Loan Modifications.

    • Anonymous

      Problem is consumers will be more attracted to false hope so these marketers uses that as a tool to lure them in and draw more traffic to their landing pages, which is sad and what is sadder is that the marketers of these pages do not care because, more traffic means more companies willing to purchase these leads from them.

      • Sherlock

        No Shit, Sherlock!!

  • Steve Rhode

    The best way I know how to protect consumers is to talk openly about these issues, educate consumers, and if they do any homework they can find relevant information they can then use to make better decisions.

  • Joe_debt_jr

    Steve, I recall back in the days when my first sales job was selling cars at a car dealership, and every weekend our dealership would post heavy ads in the local newspaper showing a hugh discount on a brand new vehicle. They will post 3 cars with their vin number which we would hide off the lot really good just incase these smart shopper decides to roam the lot and locate these 3 cars. To make the story short, our dealership was willing to give away those 3 cars but will make it difficult to find on the lot so we would get nasty complaints for false advertisement. good news we did sell those 3 advertised vehicles and were able to provide documents and proof of the sell that weekend. Point is that consumers are normally drawn to things they feel is a great deal, in this case scenerio you have posted with these landing pages, these consumers if they were to complain will only target the company that sold them that deal not the lead vendors. So what is ironic is that these companies are willling to risk their firms by purchasing these misleading advertisement on the internet. To make things worst is that these landing pages does not provide true contact information or any information to validate that they are a real company where a consumer can call in or write to file a complaint, which is totally unfair. I know its not going to be easy stopping these folks from posting lies and misleading advertisement to lure these clients in, so how does a consumer protects themselves in the future so they don’t fall for these deceptive marketing strategies?

  • Anonymous

    Steve, I recall back in the days when my first sales job was selling cars at a car dealership, and every weekend our dealership would post heavy ads in the local newspaper showing a hugh discount on a brand new vehicle. They will post 3 cars with their vin number which we would hide off the lot really good just incase these smart shopper decides to roam the lot and locate these 3 cars. To make the story short, our dealership was willing to give away those 3 cars but will make it difficult to find on the lot so we would get nasty complaints for false advertisement. good news we did sell those 3 advertised vehicles and were able to provide documents and proof of the sell that weekend. Point is that consumers are normally drawn to things they feel is a great deal, in this case scenerio you have posted with these landing pages, these consumers if they were to complain will only target the company that sold them that deal not the lead vendors. So what is ironic is that these companies are willling to risk their firms by purchasing these misleading advertisement on the internet. To make things worst is that these landing pages does not provide true contact information or any information to validate that they are a real company where a consumer can call in or write to file a complaint, which is totally unfair. I know its not going to be easy stopping these folks from posting lies and misleading advertisement to lure these clients in, so how does a consumer protects themselves in the future so they don’t fall for these deceptive marketing strategies?

    • http://GetOutOfDebt.org Steve Rhode

      The best way I know how to protect consumers is to talk openly about these issues, educate consumers, and if they do any homework they can find relevant information they can then use to make better decisions.

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