Quick Answer: Life Financial Planning received complaints for misleading debt relief mailers, with the BBB giving an F rating to a company at the same address (Lord Heal Our Land). The BBB requested substantiation for unverified claims about 0% APR reductions and major credit card provider backing.
An amazing reader sent in a new debt relief mailer through my I Buy Junk Mail program.
The offer sent out by a company identified as Life Financial planning, 575 Menlo Drive #1, Rocklin, California 95765 seems to be misleading on so many levels. I would urge anyone who receives a similar offer to conduct their own due diligence.
While researching this company I came across a warning by the Better Business Bureau for a company at the same address who is known as Lord Heal Our Land. The BBB has given the company an F rating and issued an alert to consumers. The BBB also says:
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“On November 20 and December 1, 2014, BBB wrote to this business requesting that they substantiate the claim: “This program allows individuals to reduce their adjustable unsecured credit card rates to as low as 0% APR.” which appears on their solicitation offer for debt reduction. According to the BBB Code of Advertising, claimed performance results should be based on recent and objective data; and advertisers should be prepared to substantiate any claims, and upon request present such substantiation to BBB.
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BBB also asked the company to substantiate the claims: “U.S. Lending institutions are allowing a limited number of individuals to participate in this Non-Profit 501c-3 creditor sponsored program…” and: “This program is backed by every major credit card provider in the country…” According to the BBB Code of Advertising, endorsements are likely to mislead or confuse if broad claims are made as to endorsements by indefinitely large or vague groups. Please provide a list of lending institutions and credit card providers who are participants in your program, including substantiation of their endorsements.
Additionally, BBB asked the company to substantiate the claims: “U.S. Lending institutions are allowing a limited number of individuals to participate in this Non-Profit 501c-3 creditor sponsored program…” and: “This program is backed by every major credit card provider in the country…” by providing a list of lending institutions and credit card providers who are participants in the program. According to the BBB Code of Advertising, endorsements are likely to mislead or confuse if broad claims are made as to endorsements by indefinitely large or vague groups.
Lastly, BBB asked the company to discontinue the claim: “THERE IS NO COST to enroll in this service…” because, a BBB representative who called 1-888-211-5358 to inquire about the program described on the solicitation was told that there was a one-time investment fee to participate in the program. According to the BBB Code of Advertising, advertisements which are untrue or misleading shall not be used. Therefore, we are requesting that you modify the solicitation to include any actual costs associated with the program.
As of today’s date, BBB has not received a response from the company.” – Source
As you will see, the mailer sent out by Life Financial Planning appears to have some very similar claims.
The Life Financial Planning Mailer
As you can see by the outside of the envelope, it does not identify who the sender is and only says “Administrative Office.” It does say it was mailed from postal code 30336 with what appear to be a non-profit postal rate. Zip 30336 is in Atlanta, Georgia.
The offer inside the envelope presents some real concerns which I will point out. The offer bears the mark 4552-Debt below what may be intended to look like the year in an official government font and format familiar to many.
The letter says there is a “Nationally Sanctioned Debt Reduction Initiative” but does not say who sanctions such a thing.
It also says “U.S. Lending Institutions are allowing a limited number of individuals to participate in this Non-Profit 501c-3 creditor sponsored program and you have been selected.” It also promotes interest rates as low as 0% APR.
What is interesting is while the letter claims this is a non-profit program, the fine print at the bottom of the letter says, “Consumer may be referred to a Non-Profit or For-Profit Debt Relief Agency…” So it appears even though the claim is selection for a non-profit program consumers who take up this offer may be switched to a for-profit company instead.
The offer seems to take a negative view of debt settlement since it says, “This program is backed by every major credit card provider in the country, it is not affiliated with Debt Settlement and is specifically designed to keep your Credit Score in excellent standing.”
At the bottom of the letter it says “This offer is made by Life Financial Planning, a non-profit corporation, 575 Menlo Drive #1, Rocklin, CA 95765.
However, the State of California has no listing for any corporation registered to do business under the name Life Financial Planning.
The sales pitch in this letter gives the impression the solution being sold is a non-profit credit counseling program since the letter also says “This offer is not associated with bankruptcy, debt consolidation loan, debt settlement.”
I would recommend that anyone considering using such a company should read the following free guides.
- The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
- 10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
- How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off
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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.
Just got a mailer from them today, and now the address is in Loxahatchee, Florida. I knew it was bogus but wanted to read the findings and see how bad they really are (pretty bad).
Well, it appears they have resurfaced! Received a letter from this “Company” today stating that the company has recently settled accounts with several Banks and big box stores and if you have an account with one of these lenders you may be entitled to a settlement. This letter is dated May 27th, 2026. I don’t see how I can leave a screenshot…
Wisconsin resident, just received a near-duplicate of this letter in last week’s mail. “Call toll-free 1-877-244-5620 within 5 days of receipt” – no ID of agency anywhere on letter, but envelope lists Life Financial Planning, 17888 67th Court North, Loxahatchee FL 33470. Glad I decided to do some online detective work first! Thanks, Steve, for this article.
Kudos for the great work. I’ve just received the same offer after deciding NOT to pursue refinancing a home loan. It must make me look desperate or in danger on my credit report!!
Thank You . . . I just received this bogus letter today. It is now in the shredder.
I just received this very same letter today. Thanks to my trusty old computer, it directed me to you. I get a lot of these. Because I do need help and I think God must have directed me to you. So, even my bank sent me a “Get out of debt letter”, I did go in for an appt. . She was a nice person and very knowledgeable and recommended I do a little scouting around. You may or may not be able to help me, but I think I might get a few questions answered
Just got one of these letters today. Virtually identical to what is shown. Same origin, slightly different meter mark. Filed complaint with FTC. Interesting that there are very few complaints about this outfit online.