Credit Card Accountability Responsibility and Disclosure Act of 2011 Mailer – It’s Total BS

Thanks to some pretty awesome tipster (send in your tips here)s the flood of fake, misleading and deceptive mailers has been coming in fast.

The latest is the Credit Card Accountability Responsibility and Disclosure Act of 2011 mailer that tells consumers they need a Forensic Mitigation Program. For those of us who deal with the consumers and debt even the premise of the mailer, that a consumer needs a Forensic Mitigation Program, makes no sense.

As you will hear, the representative could not tell me anything about the program and the call goes to some unnamed call center that is requesting the personal information from callers.

Here is the mailer the tipster (send in your tips here) sent in.

Our records indicate that you have not responded to our previous attempts to notify you of your eligibility. It is important that you contact us toll-free 1-877-506-6206 within 10 days of receiving this notice. Due to your recent delinquent payments, you may qualify to enroll all of your unsecured debt into a Forensic Mitigation Program.

With the implementation of the Credit Card Accountability Responsibility and Disclosure Act of 2011, the following credit card companies have adjusted their lending policies.

JP Morgan, Chase, Citibank, Bank of America, Discover, American Express, Capital One, GE Money Target, Wells Fargo, and many more.

You may now be eligible for a reduction of up to 40-60% of your outstanding consumer debt. We have just released a special Forensic Mitigation Program where creditors may be able to reduce the principal and interest on all outstanding revolving debt. Late fees and penalties may also be forgiven.

Your revolving consumer debt and credit card payments make you a candidate for this Forensic Mitigation Program. For details of your eligibility contact us immediately at 1-877-506-6206.

The mailer deceptively promises:

  • Reduce unsecured debt by up to 40-60%
  • Bankruptcy alternative
  • Become free from credit card and other unsecured debt in 2-4 years
  • Save thousands of dollars in interest
  • No home of collateral required
See also  Things People Get Wrong About Credit Card Debt

If you or someone you know gets this mailer, tell them to trash it. It is a great example of a deceptive mailer that is used to sell people services they don’t need by call center employees that are clearly not trained to evaluate appropriate options for people in trouble.

My vote: Run Away!


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.

Damon Day - Pro Debt Coach

2 thoughts on “Credit Card Accountability Responsibility and Disclosure Act of 2011 Mailer – It’s Total BS”

  1. I am getting calls where people have access to my credit file with specific information. There is little documentation/verification; and when asked, the caller says there are no fees the company just gets money from creating debt relief.  ELotter


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