A Deep Dive Into the Xact Loan Mailer. Scam or Blessing?

A wonderful reader sent in this mailer from Xact which is a great example of the type of advertising that always makes me want to know more. I admit the mailer is a bit blurry but the mailer alone was enough to start me digging. There were a few key phrases that made me want … Read more

Payoff by Happy Money Mailer Raises Legit Questions

A reader sent in a mailer they received from Payoff by Happy Money. You can see the front of the letter below. What caught my eye was the address on the back of the mailer. It says PO Box 129, Palatine, IL 60078. This mailer was sent to me through my I Buy Junk Mail … Read more

Bruins Capital Mailer Leads to Strategic Consulting for Settlement

A reader sent me a mailer they received from Bruins Capital for a Debt Consolidation Loan. The consumer said, “I fell for the one with Bruins Capital. They redirected me to another service, and then I filled an online form, and Strategic Consulting called with an offer to pay off all debt at a reduced … Read more

Advantage Preferred Financial Settlement Mailer Raises Questions

A great reader sent in a mailer they received from Advantage Preferred Financial. This is a quick review of the mailer a consumer received from this debt relief company. I did chuckle by the first line in the mailer, “Finally, a program that gives you all of the benefits of debt consolidation without having to … Read more

If You Get a Debt Relief Mailer From Negotiations Department – Trash It

What a load of garbage. It's just trash.

A reader sent me in a mailer they received from the Negotiations Department of some company. The mailer has two possibilities: It is either a generic lead generating mailer or An inept debt relief company sent it out. And if option two is the right choice, yikes. The mailer isn’t much different than others that … Read more

Don’t be Fooled by Credit Card Balance Relief Mailer


A great reader sent in the following mailer she received through my I Buy Junk Mail program. The outside of the mailer does not say who it is from and appears to want people to believe this is a government mailer. The mailer says it comes from Postal Permit 1827 that has also appeared on … Read more

Are Debt Relief Mailers Like These in Your Mailbox Also?

Debt Relief Mailer Envelope

A reader that wanted to be identified as The Machine sent in the following statement and mailer they received through my I Buy Junk Mail program. The Machine said, “These are for both me and my wife. We have a large amount of credit card debit and get stuff like this ALL the time. It’s … Read more

Credit Associates Mailer Not the Proudest Moment for the Debt Relief Industry

A great reader sent me a recent Credit Associates mailer offering debt relief services. This mailer was sent to me through my I Buy Junk Mail program. If you have junk mail you’d like to sell, click here. To see other mailers, click here. The “pre-approved” offer says it is from the underwriting department. That … Read more

Is Debthunch Really What You Think They Are?

A kind reader sent me in a copy of the Debthunch mailer they recently received. I have a very low level of confidence that the average consumer is going to figure out this offer at the first, second, or third glance. It took me some time to get some clarity, I think. This mailer was … Read more