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.
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.
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.