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Alternative Dispute Resolution Program (ADR) Deceptive Debt Relief Mailer

Written by Steve Rhode

An awesome reader and tipster (send in your tips here) has just sent in a new mailer I find to be highly deceptive. The mailer about debt relief says that consumers can get their debt addressed under “federal relief designed to restructure and/or eliminate revolving credit card debt.”

I am not aware of any such federal government program other than bankruptcy.

Besides, if the program is a federal program, why is it only limited to California residents with more than $15,000 in debt? That does not seem to make sense. Wouldn’t it be open to people all across the country with any level of minimum debt?

The mailer gives 800-926-4544 as the contact number and says this is a program under US Code Title 11. That’s the section of the law that is about bankruptcy. That seems to make sense since this mailer appears to be sent out by Assurity Law Group, Scott McDonald Managing Attorney.

But the disclaimer on the back seems geared more towards debt settlement than bankruptcy.

Now here is the funny part. the form number of 2915217 seemed familiar and a quick search of the site found it was the same number used on mass joinder marketing mailers as well. See here and here.

The front of the mailer image I was sent says it was sent from postal permit 1958 in 92831 which is Fullerton, California. The mailer makes it appear to be a government mailer of some sort.

Now the inside of the mailer is where things get really deceptive for me.

The mailer appears to be geared towards resolving debt under some ADR Hardship Program with a projected 40 percent reduction in debt. It says you don’t even need to be behind on your bills.

My favorite statement has to be “…evaluated for the ADR program or federal protection under title 11 of the US Code.” Let me translate. If we can’t sell you a debt settlement program we are going to sell you bankruptcy.

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And that’s what makes this mailer really deceptive for me as presented. If it’s for bankruptcy then say it. Why hide that? And the ADR program is not the bankruptcy they hide because they say the ADR program is different than their secret title 11 solution when they say or.

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.


  • YIKES – My significant other joined this Asurity Law Group Resolution Program several months ago and after 6 months now after paying almost $2k she only has $220 in her resolution account. After further reading she has now discovered that in addition to the $795 retainer fee she paid and the $9.95 per month administrative processing fee there is also an additional 15% of your agreed to Resolution Debt each month, which in her case is $293.17. She pays $383.17 each month and they deduct $303.12 in fees and she deposits $80 into the account.

    With the almost $20k in debt it will take her 20 years to settle the accounts she has listed – she’s 65! 

  • I received almost the same letter you posted; except on back it lists Resolve Law Firm and the ph# listed on front is 1-877-810-8587.  Was sort of hoping there was a debt relief program out there to help the consumer (me) with the high interest rate on credit cards.

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