Another kind reader sent in this debt relief mailer she received. We’ve seen ones like this before.
My personal opinion is to trash this if you get it.
It arrives in a plain envelope and who can’t tell who it is from by looking at the front.
The inside of the mailer is shown below.
There are some educational moments with the mailer.
Call for Adjustments
Seems like some “adjustment” can be made by calling. But that “adjustment” is a sales pitch to purchase debt relief services from a sales representative. There is no creditor authorized “adjustments” waiting for callers.
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Failure to Respond
The terrible things that will happen to you are exactly what is happening now. You will continue to pay the interest you are paying and will have fees and penalties if you don’t pay. But if the option you will be sold is to settle your debts, you will be instructed to stop making payments to your creditors.
If you read the fine print on the bottom of the mailer it becomes clear the example given is meaningless. The fine print says the example is only for illustrative purposes, it is a typical example, but savings are dependent on individual circumstances. But here is the kicker, previous results can be counted on and the fees for the service are not shown in the example.
Be a Smart Consumer
If you receive this or a similar mailer, just keeping mind this is really not much more than an attempt for you to call the number and talk to a potentially commissioned sales person that is motivated to tell you just about anything to close the sale.
Feel free to call but don’t feel compelled to rush into anything.
I would recommend that anyone considering using such a company should read the following free guides.