Debt Relief Industry Do They Comply?

Practical Debt Relief, Let’s Play Do They Comply

A tipster (send in your tips here) and reader sent in an email and thought we should play another round of Do They Comply with the website of Practical Debt Relief.

For those new to the game, Do They Comply is where debt relief professionals review the online marketing of a company and provide comment about if the advertising is complaint with rules covering debt relief advertisements.

The link this tipster (send in your tips here) sent in led to this page. – Source

I placed some arrows on the image to draw your attention to some key areas.

I also noticed that when I looked at the settlement presented by US Bank that while the settlements said they were recent, they were not. Nor can I find any statement to put these settlements into context with all other US Bank settlements they may have received.

The dates on the settlements were:

  • January 20, 2010
  • May 25, 2010
  • April 28, 2010
  • December 29, 2009
  • October 26, 2009
  • October 7, 2009
  • April 23, 2010
  • January 27, 2010
  • January 13, 2010
  • December 15, 2009

So what do you think, is this online marketing fair, compliant and good to go or does it need some help and attention to avoid trouble?


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.

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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.

7 Comments

  • Hey Steve its Greg from Practical Debt Relief. I just noticed these recent things that popped up and wanted to clear the air immediately. I always do appreciate constructive criticism and like to get other peoples views so I can approve our website. Like I have always said my company is in no way looking to manipulate or lie to consumers in need of debt relief. We do have many recent settlements and its my fault for not having them uploaded on a more consistent basis. I will make sure to make that a priority now that I realize it can be misleading. As far as testimonials, ours are real. I simply cant avoid what people write when we ask for them to write something about their experience. Yes its obvious that debt settlement does not improve your credit. We never claimed that anywhere on our site. Besides that do you have any other suggestions for me as far as improving the site? We want to educate people so they can make an informed choice, period.

  • This testimonial, even if somehow true, not only leads people to believe the program won’t hurt credit, but it even implies that their program will improve your credit.
    “I can now buy my dream home””You all are the greatest bunch of people down in Florida, I am free fromdebt, my credit has improved dramatically, and I can now buy my dreamhome.Thanks a bunch”

  • This testimonial, even if somehow true, not only leads people to believe the program won’t hurt credit, but it even implies that their program will improve your credit.
    “I can now buy my dream home””You all are the greatest bunch of people down in Florida, I am free fromdebt, my credit has improved dramatically, and I can now buy my dreamhome.Thanks a bunch”

  • May I base my advertising claims on the experiences of some previous customers?
    Yes, but your sample must be representative of the entire relevant population of your past customers. To accomplish this you must, among other things, use appropriate sampling techniques, proper statistical analysis, and safeguards for reducing bias and random error. You can’t cherry-pick the most successful examples to inflate your results.http://business.ftc.gov/docume

  • May I base my advertising claims on the experiences of some previous customers?
    Yes, but your sample must be representative of the entire relevant population of your past customers. To accomplish this you must, among other things, use appropriate sampling techniques, proper statistical analysis, and safeguards for reducing bias and random error. You can’t cherry-pick the most successful examples to inflate your results.http://business.ftc.gov/documents/bus72-debt-relief-services-telemarketing-sales-rule-guide-business.pdf

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