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What I Learned From Selling Debt Relief Services. What I Got Wrong and Right On the Front Lines.

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(Originally published October 11, 2010) I had this idea for an article to look back to my early days in the debt relief world, back when I was running Myvesta, a non-profit credit counseling group, and show you examples of what I did wrong and learned from the experience. The irony is people don’t realize when I review a site ... Read More »

    Student Loan Consolidation & Payment Reduction Program Mailer

    student loan mailer

    An amazing reader sent in a new debt relief mailer through my I Buy Junk Mail program. As you will see below, the reader received a mailer that I think could confuse some people. The mailer talks about a Student Loan Consolidation & Payment Reduction Program that they are eligible to use. I did enjoy the call to action that ... Read More »

      Reader Sends in 321Loans Mailer From MarkSYS Which Raises Questions

      321Loans Mailer Front

      An amazing reader sent in a new debt relief mailer through my I Buy Junk Mail program. Recently I wrote about a company named 321Loans. A different reader had sent in a contract for me to review. If you read my article, here, you will see there were some questions raised that the company has not responded to. One of ... Read More »

        It Never Ends. Another Debt Settlement Mailer or Something Like That.

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        An amazing reader sent in a new debt relief mailer through my I Buy Junk Mail program. There is nothing super new in this mailer except I see the marketers are offering even more fantastic debt reduction claims of 70% settlements. Of course the problem with this, in this mailer, is there is no indication of who sent the mailer ... Read More »

          Life Financial Planning Debt Relief Offer – I’m Calling Bullshit

          life financial planning mailer

          An amazing reader, BillKal, sent in a new debt relief mailer through my I Buy Junk Mail program. The offer says it is from a 501(c)(3) nonprofit company, Life Financial Planning, a non-profit corporation, at 575 Menlo Drive, #1, Rocklin, CA 95765. That happens to be the same address used by another company that appeared in one of my stories ... Read More »

            HLDS – High Level Debt Solutions Mailer – Review

            High Level Debt Solutions Mailer

            An amazing reader sent in a new debt relief mailer through my I Buy Junk Mail program. Here is a look at that mailer and my observations. The first thing that caught my eye is the mailer does not appear to identify the company as High Level Debt Solutions. But a search of the street address leads to a website ... Read More »

              Another Debt Relief Mailer to Watch For

              scam copy

              An amazing reader, Jessica, sent in a new debt relief mailer through my I Buy Junk Mail program. These mailers promising all sorts of relief that try to appear as some sort of official notification are still going out to consumers. The mailers are problematic in my opinion because they state benefits without much information to fill people in about ... Read More »

                Don’t Know How Much I Need to Warn Debt Relief Companies That Robocalls Suck

                french bulldog dog listening or talking on the can telephone isolated on white background

                I’ve written quite a few stories about debt relief industry problems with the Telephone Consumer Protection Act and autodialers. If you’ve ignored me till now, maybe this record fine out of the Federal Communication Commission (FCC) will get your attention if your debt relief company is dialing for dollars. This week the FCC fined a company nearly $3 million over ... Read More »

                  U-Fi Student Loan Debt Reduction Mailer Review

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                  An amazing reader J sent in a new debt relief mailer through my I Buy Junk Mail program. This mailer is for a purported student loan debt reduction or consolidation from U-Fi a Nelnet partnership. The mailer says you can “Save with a Refinance Loan from U-Fi.” There are a couple of concerns I have with the mailer. While the ... Read More »

                    New Crestmont Funding Credit Counseling Debt Consolidation Mailer Reviewed

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                    An amazing reader Shawn sent in another new debt relief mailer through my I Buy Junk Mail program. Shaw sent in another mailer received from Crestmont Funding. This one is different than the one I reviewed in this article. That other article has more information on Crestmont Funding than this one does. The new debt consolidation loan mailer is signed ... Read More »

                      Deceptive Mailer Spoofs Department of Treasury for Debt Relief

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                      An amazing reader sent in a new debt relief mailer through my I Buy Junk Mail program. This one is rather alarming. I doubt the average person would see through what I think is a smoke screen to understand what just landed in their mailbox. From outside appearances the letter looks like some sort of legal documentation, maybe governmental with ... Read More »

                        Mysterious Mortgage Reduction Mailer Lands in Mailbox

                        Mortgage Offer

                        An amazing reader, Carol, sent in a new debt relief mailer through my I Buy Junk Mail program. What caught my eye at first was how the company sending out this mailer from Postal Permit 1297 is not identified on the envelope or the mailer. This clearly appears to be a lead generation mailer by some totally unknown company. Any ... Read More »

                          Life Financial Planning Sends Out Alarming Sales Pitch. Similar to Lord Heal Our Land.

                          Life Financial Planning Pitch

                          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 ... Read More »

                            Crestmont Funding Debt Consolidation Loan Mailer Sent in by Reader

                            Crestmont Funding mailer received by reader.

                            An amazing reader, Shawn, sent in a new debt relief mailer through my I Buy Junk Mail program. He received a mailer from Crestmont Funding for a debt consolidation loan. Shawn wanted to point out the BBB logo was prominently displayed. According to the BBB and the State of North Dakota, the company address is 3949 Highway 8 STE 109, ... Read More »

                              AFBC and Student Loan Payment Reduction Department

                              inside of mailer

                              An amazing reader, JMAN sent in a new debt relief mailer through my I Buy Junk Mail program. This one is for something called the Student Loan Document Preparation and Processing Services Program, Student Loan Payment Reduction Department, and AF Student Services. The key here is nothing in this self mailer is clearcut. The outside of the mailer looks like ... Read More »

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