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BS CBAP Consumer Balance Assistance Program Mailer

Written by Steve Rhode

An amazing reader Michael sent in a new debt relief mailer through my I Buy Junk Mail program.

This mailer comes from something called the Consumer Balance Assistance Program (CBAP). The self mailer looks like an official document on the outside. At least it looks that way to me.

The inside of the mailer has a fake check attached. While the check says “This is not a live check” in small print, as you can see the back of the check says “Reserved for Financial Institution Use.” I wonder how many people actually think that’s a real check.

Front of mailer.

Front of mailer.

Let’s see what we can learn from the inside of the mailer.

  • I can see the program is called the Consumer Balance Assistance Program or “CBAP.”
  • The phone number is 800-343-7095.
  • The mailer claims enrollment is limited in Michael’s city of Memphis.
  • There are four available programs but non of them are for credit repair or bankruptcy services.
  • The debt reduction presented to the consumer is the same old wild guess of 60%.
  • It does not appear the estimate includes any fees.
  • How can it be a “preapproved debt reduction” if this is a negotiated solutions with lenders?
  • Payments are promised to be immediately reduced.
  • Then we have the same 12-36 month debt free promise that has been debunked time and time again.

CBAP Inside

The mailer comes from Postal Permit 1297 in Sacramento, CA.

It seems these mailers that appear similar to problematic debt settlement mailers of the past are making a resurgence.

I would recommend that anyone considering using such a company should read the following free 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


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.

This offer was able to be reviewed because a kind reader sent it in via my I Buy Junk Mail program.

If you receive a credit or debt relief offer in the mail, do some good and let me pay you for it. Click here.

Want to See More Mailers?

Want to see more mailers I’ve reviewed as part of this program? Click Here.

See also  Disturbing Student Loan Client Services Mailer to Watch Out For

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.

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