Quick Answer: LCG Debt Relief mailers are deceptive scams that mimic government correspondence with fake eagles and non-existent postal manual references. The company uses a virtual Los Angeles address and hidden domain ownership, making it impossible to verify legitimacy or contact real representatives.
This self-mailer was sent in and it is clearly a deceptive piece in my eyes. The outside envelope clearly pretends to be a government mailer with the eagle and everything.
It was sent from postal permit 507 in Santa Ana, California.
An amazing reader FitGal sent in this new debt relief mailer through my I Buy Junk Mail program.
The Outside
The outside says this if Form 118C247 and has the statement “POSTMASTER: If undeliverable as addressed please refer to section 59 of the official DMM.” The statement is obviously referring to the Domestic Mail Manual from the United States Post Office, but there is just one problem, the manual does not have a section 159. – Source. Even the warning does not appear to be factual.
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Inside Top
The inside of the mailer identifies the company as:
LCG
PO Box 515381 #21928
Los Angeles, California 90051-6681
That address is actually one for Earth Class Mail. It is a virtual address and not an indication where the company is actually located. – Source
The offer says there is an underwriting department that will renegotiate bank card balances because of:
- High Utilization on Credit Card Balances
- Recent Payment History
- Ongoing Carryover Amounts
It says balance may be reduced by 55% and offers a payment plan of $535 a month.
The bottom mentions a personalized website on lcg-offer.com. The domain ownership history is hidden.
LCG-OFFER.com
If you visit the website for the person who received this mailer it shows you a screen that says U.S. Consumer Debt Relief Initiative and the next page says they are “one of the leading Credit Card Advocacy Groups in the United States.” But interestingly they use a generic name, a hidden business location and secret domain ownership.
This happens to be the same tactic used in this mailing.
Other mailings sent from the same postal permit can be found here, here, here, and here.
This offer was able to be reviewed because a kind reader sent it in via my I Buy Junk Mail program.
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Before You Sign Anything: Run any debt relief contract through the free Contract Decoder to spot hidden fees and unfair terms. Check the company’s complaint history with the Scam-O-Meter.
Compare Your Real Options: Most debt relief companies won’t tell you about all your options — especially the ones they can’t profit from. Credit counseling has a 21-27% completion rate. Settlement resolves about 1% of enrolled debts fully. Bankruptcy has a 95% discharge rate — and protects your retirement. Take the Find Your Path quiz for a recommendation based on your actual numbers.
My husband just received a letter that looked just like this but actual letter form and its from PCG.