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Ridiculous Debt Relief Mailer – Avoid Credit Card Responsibility and Disclosure Act of 2011.

Thanks to another wonderful tipster (send in your tips here), here is another version of the sudden wave of misleading and deceptive debt relief mailers that are being sent out. This one is titled the Credit Card Responsibility and Disclosure Act of 2011. What is blazingly stupid is that in the very first sentence it refers to the Credit Card Responsibility and Disclosure Act of 2009. So which is it?

The mailer says it comes from US Financial Solutions, 1718 M St, NW #364, Washington, DC 20036. They list their phone number as 888-777-9032. The letter then later refers to the organization as USEFS. So what’s the E for?

The mailing address is for a UPS mail drop in Washington, DC.

This letter is a horrible example of the worst type of deceptive marketing. It starts out talking about a “government monitored hardship program” and then ends with fine print that says, “This is NOT a government endorsed or sponsored program and USEFS is NOT affiliated with any governmental agency.”

The only thing anyone who receives this mailer has been pre-qualified for is to be marketed to. The pitch made in it is the same as you will see in other recent debt relief mailers that have been sent out.

The claims made are:

  • Program does not adversely affect your credit;
  • Is not associated with bankruptcy or debt settlement;
  • Has been specifically designed to assist consumers in reducing high interest rate credit card debt;
  • Reduce full balance in 24-48 months; and
  • One monthly installment.

These claims are typically used in other deceptive marketing for debt relief services and historically for debt settlement services. The FTC telemarketing sales rules that went into force in 2010 stopped most of this deceptive marketing but in the past week or so there has been a strong resurgence.

I can’t find anything that convinces me US Financial Solutions is a legitimate company.

READ  I'm worried US Financial Solutions is a scam and won't stop calling me. - Kathc

My advice if you or anyone you know gets this mailer is to trash it and 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.

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.


  • US Financial Solutions and USEFS are two separate companies. Did anyone notice that the very thing this website has call to actions for is the same thing that these others companies are doing? Steve, you aren’t a hero for mixing up two companies and offering Debt Settlement and Student loan help, yourself. Are you a free service that does this out of the goodness of your heart? Im pretty sure all of these businesses have to make money somehow, and maybe some are helpful and some aren’t. Its not Disneyland, its debt. Way to bash other companies to make personal gains, that’s not deceptive.

  • I received two of these CC debt assistance letters, from two different companies, on the same day last week. This one (US Educational Financial Solutions) was sent from an address on the infamous “K” street in Washington DC. I thought, isn’t K street the address of all or most of the Congressional lobbying companies/non-profits, both good and thuggish, who our Congressional and Senate members have to spend inordinate amounts of time attending (dealing with), rather than doing their jobs as representatives of the people?

    So, I Googled them and here I am. Now I’m on to discovery of the other one I received from “Lending Club.”

    Thank you for this site.

  • I received one of these in the mail today. Definitely sounded suspicious, so glad I googled them and found this site!

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