I’m on Social Security and Got a Letter About Settling My Debt Through a Government Program. – Melody

“Dear Steve,

I’ve been on S.S. Disability since 2005, Just went through extreme divorce after 40 years of marriage. Financially and emotionall, physically drained. Exausted financial resources,was “awarded credit card debt, I did’nt even Kknew existed.We had a home in FL. and Mi. He filed for divorce in FL, against agreement we had. Living with ,now married to a 9 time felon,got off ,insane at the time.After mediation,he was very happy with,I made conscessions,He didn’t .I was very ill, Now have 29,000. in debt. I haven’t made payments for 3 mos. Terrified!

Receved Letter from Consumer Debt Initiate, States ,may be elgible for debt releif through them. States we are prepared to settle your combined $29,000.00 in consumer debt for a reduced principle amout of $11,600.00, with a proposed mo. payment of $411.00. Limited time offer. Is this a scam, or is this truthful, I need help now. Please respond asap.


Dear Melody,

You really need to read and listen to the audio on this story. It covers the Consumer Debt Initiative pitch.

You can also see examples of deceptive marketing that includes the Consumer Debt Initiative, here.

Whose name are the credit cards in, yours only?

Please update me on your progress by

You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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Damon Day - Pro Debt Coach

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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.
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