Debt Relief Industry Debt Settlement Related Marketing

US Credit Card Hardship Benefits Mailer – Bogus and Deceptive

Another fantabulous tipster (send in your tips here) sent in the following scanned copy of yet another government looking self-mailer that sells debt relief services.

This one is for the 2010 US Credit Card Hardship Benefits program.

As you can see it purports to be an official looking government form with form number 10-PNH3.

It states that the pending hardship benefits include:

  • Immediate Reduction of Payments by 50% – 60%
  • Eliminate ALL Credit Card Debt in 12 to 36 months
  • Save and Restore your Credit by Avoiding Bankruptcy
  • No Interest Rates Accrue From Enrollment Start Date
  • Make Only 1 Payment per Month – Pay Nothing until 2011
  • Avoid Costly Debt Management or Credit Counseling
  • Stop Harassing Calls from Creditors and Bill Collectors

Of course the problem with all of those claims is that except for the one payment statement, they can easily be proven to be untrue for the typical consumer.

The tipster (send in your tips here) said they called the telephone number, 888-599-6618, and was connected for a representative for US Legal Services Group, a company I previously wrote about here. As you can see in my review of the client contract, I had some real concerns.

The tipster (send in your tips here) said:

I actually called this one and got the pitch. It was HORRIBLY misleading and non-compliant in every way. He even told me that he would do the everything by phone and then have a notary meet me to sign docs “really fast”. I asked if there was a presentation and he said they only need a notary to meet me to sign the docs as a formality. They sent me to the following website that would be the attorneys representing me. OMG!

What is interesting is the tipster (send in your tips here) was referred to where the site I reviewed before was

READ  US Legal Services Group Contract Raises Some Real Concerns for Consumers

The site says U.S. Legal Services Group is located at:

780 W. Town & Country Rd.
Building E.
Orange, CA 92868

Do You Have a Question You'd Like Steve to Answer? Click Here.

But the privacy terms on the site say the entity responsible for the site is:

National Consumer Legal Services, Inc.
10161 Park Run Dr. #150
Las Vegas, NV 89145

The site says it is located at:

10161 Park Run Drive, Suite #150
Las Vegas, NV 89145

Interesting. site 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.

About the author

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.


  • Thank you for saving me. It all sounds very tempting but,the first red flag for me is that there isn’t a letter heading with a company name or address. Looking up their number was my first reaction and notifying the BBB was second.

  • thank you!!!!  we’ve been getting these mailings for weeks now and it’s great to find out for sure they are bogus!!  thanks again for your hard work on these matters!!!


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