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The US Credit Card Relief Plan of 2010 – Deceptive Mailer

By on November 16, 2010
The US Credit Card Relief Plan of 2010 – Deceptive Mailer

I’d like to give a big hat tip to USOBA for sending me the mailer below that a consumer received. It is entirely deceptive and consumers need to be warned to watch for this in their mail.

As you can see from the cover of the mailer it appears to contain information about the recipients Visa or MasterCard account. It also contains an official looking warning message on the lower left.

The inside of the mailer makes it appear this is some sort of government form, which it is not. in the upper left is a form number, 08-PNH3, which is not a government form number.

The message begins with saying the person receiving this has been approved for the 2010 US Credit Card Hardship Program, there is no such government program.

The top center of the form mentions “national benefits”, there are no national benefits for consumer debt relief under the 2010 Economic Stimulus Package. It is a lie.

The mailer mentions an approved debt reduction amount. Lie. There are not benefits, no plan, no consumer bailout and no approved reduction.

The bullet points of the mailer are:

  • Immediate Reduction of Payments by 50% or More
  • Eliminate and Reduce ALL Credit Card Debt in 12 to 36 Months
  • Save and Restore your Credit by Avoiding Bankruptcy
  • No Interest Rate Accrues From Enrollment Start Date
  • Make Only 1 payment per Month
  • Avoid Costly Debt Management of Credit Counseling
  • Stop Harassing Creditor Calls

While the listed benefits sound great, they are for the most part all blatantly not true and certainly not statements which could be made on a general basis.

The mailer instructs people to go to StopDebtNow.us. Public records indicate the domain is owned by:

Ryan Mcaweeney
3372 Hopi Ave
San Diego, California 92117

The mailer instructs people to go to StopDebtNow.us/cdr and the page displayed is below.

This mailer and site seem to be nothing more than a lead generation tool using deception and false statements to attempt to entice people to respond.

My vote is to not call, not respond and stay away from this mailer.

I did call the telephone number in the mailer, 866-362-2511, and was connected with Critical Debt Relief in San Diego California. – Source

Their site is shown below.

CriticalDebtRelief.com Archive


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.

READ  Final Notice for Credit Card Accounts - A Mailer to Throw Away

About 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.

10 Comments

  1. mamacita617

    September 7, 2011 at 1:15 pm

    I just received the identical mailer yesterday.  I am so glad I researched this.  Thank you for saving me a huge headache! How can people get away with mailing these “false” documents? In my opinion, this is a crime against the government and action should be taken against these people.  And what is the ultimate goal of these people once you do call?  Do they charge you a fee? Is this why these criminals do this?

    • Dreamer

      September 16, 2011 at 4:30 pm

      I know Ryan Mcaweeney he is a real shark. He was connect to Alliance Law firm before they got shut down by the government. He goes by Ryan Mack and owes http://www.vertdirect.com/ as well as his own Debt Settlement Scam company now. STAY CLEAR!!!!

  2. ARLEEN

    December 17, 2010 at 8:58 am

    I RECEIVED A MAILER. SO GLAD I DID SOME RESEARCH. WITH THE INTERNET PEOPLE NEED TO USE IT. I PUNCHED THE TITLE I CAME ACROSS THE EXACT MAILER

  3. ARLEEN

    December 17, 2010 at 3:58 am

    I RECEIVED A MAILER. SO GLAD I DID SOME RESEARCH. WITH THE INTERNET PEOPLE NEED TO USE IT. I PUNCHED THE TITLE I CAME ACROSS THE EXACT MAILER

  4. Joseph

    November 18, 2010 at 7:43 pm

    This is a clear violation of every TSR rule they specifically pointed out in the marketing of Debt Relief! Every single bullet point and the official govt bullshit appearance is complete fraud!

  5. Joseph

    November 19, 2010 at 12:43 am

    This is a clear violation of every TSR rule they specifically pointed out in the marketing of Debt Relief! Every single bullet point and the official govt bullshit appearance is complete fraud!

  6. Dee1donly

    November 16, 2010 at 7:57 pm

    The Bullet Points are all clear violations of the TSR as well!

  7. Dee1donly

    November 17, 2010 at 12:57 am

    The Bullet Points are all clear violations of the TSR as well!

  8. ComplianceSlave

    November 16, 2010 at 2:24 pm

    I hope fines come swiftly. Every day they are allowed to operate is another huge blemish on what can be an important service….

  9. ComplianceSlave

    November 16, 2010 at 7:24 pm

    I hope fines come swiftly. Every day they are allowed to operate is another huge blemish on what can be an important service….

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