An amazing reader Karen sent in a new debt relief mailer through my I Buy Junk Mail program.
Karen lives in Alabama where she received this mailer for debt help from United Debt Services. The outside of the mailer says Official Notice and does not give the name of the company on the outside. It seems I’ve written about United Debt Services before, click here.
The address belongs to United Debt Services, LLC according to the BBB who gave them an F rating. The BBB says they also go by the name Department of Negotiations and share common ownership with Payment Relief Center through David Melrose. – Source
The inside of the mailer is signed by Kirk Lanahan or not signed as the case may be. The failure to call statement made no sense to me.
“Failure to call and make your minimum monthly payment will likely result in interest accruing on your unsecured credit balances at an unreasonable rate.”
How in the world would failing to call the “Department of Negotiations” after receiving this marketing piece lead to an increase in your credit card interest accumulation rates other than what you are being charged?
The example shows a 56 percent reduction in debt and a proposed payment rate which does not make sense to me. The fine print says this is an actual example of a consumer who completed the “entire program.” Show why would it not be their actual payment and not a proposed payment?
The fine print also says the example does not include fees.
Just out of curiosity I went to see if United Debt Services is registered to do business in Alabama where the mailer was sent. It looks like they are not.
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.
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Want to see more mailers I’ve reviewed as part of this program? Click Here.