Ask The Get Out of Debt Experts Credit Counseling

US Council for Consumer Debt Relief Claims They Can Help Me. – Tracie

Written by Steve Rhode

“Dear Steve,

I have constant mail about my finances as I have never contacted anyone.

I recieved a letter from U. S. Council for Consumer Debt Relief saying I had qualified to participate in this Mon Profit 501c-3 creditor sponsored program. It says they are not affiliated with debt settlement and NO COST to enroll 888-593-6097.

Says they will decrease interest from 9% – 0, and change calculation to a fixed rate instead of compounded rate and guarantee timeline of payoff. Is this legitimate or would there be hidden fees or and actual settlement wich I am not interested in. How can I find out the companies name?


Big Scam Dog

Dear Tracie,

It is such a generic sounding name that I doubt that is the real entity behind the mailer.

The sales pitch, and that what is is sounds a lot like a credit counseling approach.

It certainly sounds fishy to me. I would love to see the mailer and would appreciate it if you could upload it to me.

My advice would be to be very cautious.

I would recommend that anyone considering using such a company should read the following fee guides.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. 10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
  3. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off

Please post your responses and follow-up messages to me on this in the comments section below.


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.

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.


  • I just received the exact same letter from ‘Life Financial Planning 575 Menlo Drive Rocklin CA’. It contains lots of call-to-action language like ‘You’ve been selected'(as if they picked me specially) and ‘Congratulations’, ‘Final Notice’ ‘There is no cost to enroll’ etc. Being a firm believer in the old adage If It’s Too Good To Be True It Probably Isn’t True, but none-the-less hoping this might be a real shot at getting my rates lowered (so far no luck dealing directly with credit card companies), I looked them up and they have NO profile on the net. So I checked out the address and found a picture of a mostly empty building with a big ‘For Lease’ sign on it. Yikes… Either they just moved out, or they just moved in which is typical of these fly by night companies that change their name and location as the complaints pile up. Needless to say but I”ll not be calling them with my credit card numbers. Though I do worry about other recipients of this letter that aren’t as cynical as me and might not do any research, so if readers of this site have any experience with this company, good or bad, please share. Thanks!

  • Hi Tracie & Steve! I received today the same offer from U.S. Council for Consumer Debt Relief. This sounds weird to me..When we bought our house we paid off debts with the snow bowling process. it was very encouragement & free! My advice be very careful with this companies..Thx


Leave a Comment

Scroll to Top