“The Credit Counseling Industry's Largest Trade Association ...
[Pages:36]"The Credit Counseling Industry's Largest Trade Association" October 26, 2009
Donald S. Clark, Secretary Federal Trade Commission Office of the Secretary Room H-135 (Annex T) 600 Pennsylvania Ave, N.W. Washington, D.C. 20850
Comments on the Telemarketing Sales Rule, Debt Relief Amendments, R411001
Dear Secretary Clark:
On behalf of the credit counseling industry, the American Association of Debt Management Organizations (AADMO) is pleased to provide the following information to the Federal Trade Commission (FTC) in its consideration of proposed rulemaking to 16 CFR Part 310, the Telemarketing Sales Rule (TSR).
AADMO is the largest trade association for the credit counseling industry. Nationwide, the majority of licensed and legally operating credit counseling agencies are members of AADMO.
AADMO is an industry education and advocacy organization the mission of which is to promote and ensure the continued operation and viability of credit counseling and debt management organizations.
AADMO members are consumer credit counseling agencies, debt management organizations, credit counselors, personal finance educators, credit and debt information educators, bankruptcy pre-filing counselors, bankruptcy pre-discharge educators, consumer lawyers and many others.
AADMO is the only trade association to have held state law compliance workshops with the New York State Banking Department and the California Department of Corporations upon enactment of their respective laws governing credit counseling. AADMO is also the only trade association for the industry to publish a formal summary of state laws that has been reviewed by state regulators.
Unlike other organizations in the industry, AADMO represents the entire credit counseling industry: tax-exempt, non-profit and for-profit organizations.
AADMO is making our comments in light of the proposed extension of the TSR wherein "The Commission intends that the definition of "debt relief service" encompass a broad swath of debt relief activities, including offers of debt settlement or negotiation services and debt management plans".
American Association of Debt Management Organizations 4582 Kingwood Drive ? Suite E - Box 187 ? Kingwood, TX 77345
Phone: 281-361-2325 ?
The FTC has stated, "...the proposed amendments are intended to address consumer protection concerns regarding telemarketing of debt relief services and are based on evidence in the record to date suggesting that deceptive and abusive acts are pervasive..."
"The growth in the industry (debt relief) has been accompanied by a rise in the volume of complaints about deceptive, unfair, and abusive practices involving debt settlement."
We believe that sound public policy is based on accurate data and accurate analysis. At present, the "evidence in the record" in this matter is flawed and taints the evaluation of the commingled "debt relief" industry.
As you know, AADMO made a Freedom of Information Act (FOIA) request of the FTC for all consumer complaints filed with the agency against credit counseling agencies, debt management organizations and debt settlement companies (collectively "debt relief") in 2008.
The data was reviewed and determined that in 2008 there were 7308 individual consumer complaints filed. AADMO reviewed each consumer complaint by company name and address and used publicly available information to ascertain the business type of each company.
In reviewing the data, AADMO conducted internet searches for each company using first the address of the company and then the name of the company. This helped identify questionable or incorrectly spelled company names and solidify the identity of the respective company.
In our data provided to the FTC concurrent with these comments, Column A is the number of complaints alleged against the company. Column B is the FTC's "name" of the company. Column C is our categorization of the company based on public information. The categorization in Column C is derived from Column F - the supporting URL source of the data. In instances where the search could not yield a meaningful confirmation of the company at issue, we have designated the company categorization as "unknown". The categorization of any specific entity was based on the best available data that provided a logical connection between an entity, address and internet presence.
In the data, there were several hundred complaints that were unable to be identified or classified due to a complete lack of company name or vague references that also caused the identification of the company to not be made. We found:
No designation at all
464
Unable to designate
100
"Account Services"
42
"Card Services"
62
"Credit Card Account Services" 25
"Credit Card Services"
62
"Financial Services"
20
"Unknown"
443
The data also yielded a substantial number of creditor complaints that were not against "debt relief" organizations but rather actual lenders or their servicing partners. For example, the data includes the following complaints:
2
America's Servicing Company Capitol One Citi Financial HSBC Pay Pal Sears Wells Fargo
47
119
51
1,036
683
118
16
Within the complaint universe, there were numerous complaints that clearly had no relevancy whatsoever to "debt relief". These included auto warranties, carpet cleaning services, the Disney movie club, Country Music Television, freight forwarding, gift cards and 8 complaints against government agencies.
The data also has extensive groupings of complaints against credit card processing, credit bureaus, credit repair, currency exchanges and 116 separate creditors.
AADMO does not offer an opinion about the data other than to state that the classification of the complaints is inconsistent and clearly erroneous with the inclusion of creditors, collection agencies, insurance companies and other enterprises not properly contained in the "debt relief" definition.
We hope that this information will assist the FTC in its consideration of its proposed rulemaking for the TSR.
The FTC is advised that due to information gaps and limited identification criteria, some complaints may not be attached or ascribed to the proper company. The data is for demonstration purposes only and may not reflect the performance history of any specific organization. The categorization of companies in this data is generalized for discussion purposes and may not accurately reflect the actual business operations of any organization.
If you have any questions or require any additional information, please feel free to contact me at 281361-2325.
Sincerely,
Mark Guimond Executive Director
3
Due to information gaps and limited identification criteria, some complaints may not be attached or ascribed to the proper company.This data is for demonstration purposes only and may not reflect the performance history of
any specific organization. The categorization of companies in this data is generalized for discussion purposes and may not accurately reflect the actual business operations of any organization.
464 No designation at all
Unknown
100 Unable to make designation or identification 1 101 Financial 2 1st Freedom
Unknown Mortgage Acceleration Financial Services
1628 E. Southern Ave #9-304
kuhuku Tempe
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1 1st National Merchant Services
Credit Card Processing 3901 S Broadway St
WICHITA
1 1st Pyramid Financial
Mortgage Broker
4 West Las Olas Blvd
Ft. Lauderdale
3 3scoredebtsolutions
Debt Settlement
6136 Frisco Ste. 400
FRISCO
1 4 Pillars Consulting Group
Canada
405 King St N
WATERLOO
3 411 Tax Relief
Tax
10559 Jefferson Blvd
Culver City
1 800CreditCardDebt
Lead Generator
4 A & L Financial Solutions, Inc.
Mortgage Rescue
1755 N Brown Rd Ste 200
LAWRENCEVILLE
Inc/53242495054
2 A A A Cook County Consolidation Co.
Credit Counseling
7366 N Lincoln Ave
LINCOLNWOOD
1 Success Credit Services
Unknown
22647 Ventura Blvd
Woodland Hills
1 A Debt Free Foundation Inc 1 A Financial Solution
Credit Counseling Unknown
380 East 720 South 984 Pointe South Pkwy
OREM JONESBORO
h-t-tp--:-//-w--w---w--.-organizations/utah-county-ut-utah.asp
1 American Software Solutions
Credit Repair
P.O. Box 674406
Marietta
h-t-t-p--:-//-w--w---w--.-atlanta/business-reviews/credit-services/americare-software-solutionsin-marietta-ga-27163612
2 A Plus Credit and Debt Help Association
Credit Counseling
3811 N Oracle Rd
TUCSON
1 A R S International Services
Computer Services
Escondido
1 AAA Credit Repair
Credit Repair
26734 I-45 North
Spring
1 AAA DebtManagers.ca Inc
Canada
2434 Clearbrook Rd
ABBOTSFORD
2 AAA Fair Credit Foundation
Credit Counseling
230 West 200 South Ste 3104
SALT LAKE CITY
1 Abacus Financial and Insurance
Insurance
128 E 18th St
CHICAGO
1793906.html
3 ABC Debt Relief
Debt Settlement
9330 Amberton Parkway
Dallas
1 ABC Financial
Collection Agency
PO Box 6800
SHERWOOD
cp190685.htm
3 Able Debt Settlement, Inc
Debt Settlement
2351 W Northwest Hwy STE 3355 DALLAS
1 Above All Financial Services
Unknown
7319 Indno Road, Suite 1
Palm Beach
3 Academic Financial Solutions, LLC
Creditor
6700 Lakeview Center Drive
TAMPA
h-t-tp--:/-/-w--w---w--.school-loan-consolidation/aboutus
5 Accelerated Debt Relief
2 Accelerated Financial 1 Accerated Financial Center, LLC 1 Account Corp of Southern Nevada
4 Account Recovery Consultants, Inc. 42 Account Services
1 Ace Cash Express 1 Achieve Financial Security 1 ACM Enterprises, Inc. 1 Active Link 1 Credit Collections Defense Network
Debt Settlement
Debt Settlement Debt Settlement Collection Agency
Collection Agency Unknown Pay Day Lender Debt Settlement Gift Cards Unknown Attorney Network
120 E FM 544 Ste 72
2505 S 320th St 927 Fern St Ste 2300
Murphy
Federal Way Altamonte Springs
3864 S. Kettering Blvd. Ste #105 DAYTON
NC Action
WA Action
/dsi_financial.asp
inc_2181.html
3050 1st Ave N 4500 Salisbury Rd #340 PO Box 48469
SAINT PETERSBURG Jacksonville TAMPA
h-t-tp--:-//-w--w---w--.
5499 N. Federal Hwy.|7144 N. HarlemBoca Raton|Chicago|Cattw---w--w--.-a--c-t-i-v-e----d-e- ||
10 Acushield Financial|Fresh Start America 1 adiem consultants 1 ADP Financial Services 1 Advance Solutions 1 Advance Tax Resolution Inc 1 Advanced Consumer Services 2 Advanced Credit Systems 1 Advanced Debt Management Solutions 1 Advanced Global Network/CIG Realty 1 Advanta 1 Advantage Debt services 1 Advantage Financial Partners LLC
1 Advantage Mitigation Services
1 Advantage Tax Resolution Inc
1 Advocate for fair Lending 1 AEC FBO Primetime Savings Club
1 Aegis Management Receivable Corp 1 AEL Financial, LLC 1 aerocargas argentinas,inc 1 Affinity Law Firm|Foundation Capital Inc
1 AFS Advance Financial Service Inc 1 United Debt Counseling Services, Inc 2 AIG 1 A-L Financial Corp. 1 Fresh Start Solutions 1 Alberta Credit Counselors Ltd 1 All American Debt Settlement 1 Allegience Property Protectors
5 Allegro Law 2 Allen Credit and Debt Counseling Agency 1 Alliance Debt Care 1 Alliance Law Group 1 ALLIANCE SERVICES
4 AllianceOne 1 Allied Credit Services 2 allied debt solutions 6 Allied Services 1 ALLIED TAX SOLUTIONS 1 Allstate Financial 1 Allstate Financial Svc 1 Allstate Lending Group 1 Alma Financial Assistance Corp
Back-End Services Unknown Payroll Services Unknown Unknown Credit Card Insurance Unknown Credit Counseling Mortgage Broker Creditor Debt Settlement Financial Services
Debt Settlement
Tax
Law Firm Discount Club
Collection Agency Creditor Freight Forwarding Law Firm
Creditor Debt Settlement Insurance Unknown Debt Settlement Canada Debt Settlement Unknown
Law Firm Credit Counseling Debt Settlement Law Firm Unknown
Canada Credit Repair Credit Counseling Canada Tax Financial Services Unknown Mortgage Broker Credit Counseling
3291 N. Buffalo Dr. #9|3291 N BuffaloLas Vegas|Los Vegas
4570 van nuys blved #515
sherman oaks
5680 New Northside Dr NW
ATLANTA
CA Action adiem.
468 N Compton Dr #200
7162 Beverly Blvd 15303 Amberly Dr Ste B 51 Jackson Avenue PO Box 30715
2190 Gladstone Ct Ste E
2533 N Carson St STE 6147
26376 Ruether Avenue
3750 E.Anaheim, CA PO Box 41171
Beverly Hills Orlando Los Angeles TAMPA Elmont Salt Lake City
GLENDALE HEIGHTS
CARSON CITY
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Santa Clarita
Long Beach
SAINT PETERSBURG
|||
|||
600 N. Buffalo Grove Road
BUFFALO GROVE
8097 NW 67 St
miami
3740 St. Johns Bluff Road|3947 BouleJacksonville|Jacksonville
/claims/afs.htm
2950 W. Cypress Creek Rd.|533 N. NFort Lauderdale|Ormond
600 Pennsylvania Avenue, NW|| Washington||
675 N. First Street
SAN JOSE
| 150-10908 106 Ave
| EDMONTON
h-t-tp--:-//-w--w---w--.-
Sacramento
h-t-tp--:-//-w--w---w--.
AL Action
09%20Allegro%20Contact%20Info.pdf
1958 Brook St E
WESSINGTON
575 Anton Blvd
Costa Mesa
3 Chase Gayton Drive #422
Richmond
300 - 1220 Sheppard Ave. E
NORTH YORK
h-t-tp--:-//-o-n--ta-r-io-.-y--oolk.ca/business-services/adjustment-and-collection-services/alliance-one486.html
FTC Action
3275 w hillsboro blvd
deerfield beach
1811 Maple Leaf Drv
Ottawa
15455 DALLAS PARKWAY, SUITE 6 ADDISON 14241 Woodinville-Duvall Rd Ste 434 WOODINVILLE
w---w--w- .a-ll-i-e-d-ta-x-s-
3075 Sanders Rd
NORTHBROOK
3301 Buckeye Rd 1701 W Hillsboro Blvd
ATLANTA Deerfield Beach
h-t-tp-s-:-/-/-3-1--8--3-3--2-1223.AboutUS.aspx
1 Amalga Business Solutions 1 Amber Financial Group LLC 2 Amerassist
Unknown Investment Services Collection Agency
1 Amer banc National
Credit Card Processing
1 America Credit Counseling
Unknown
15 America Financial Leadership
Unknown
1 America No Debt
Debt Settlement
2 America One
Credit Card Processing
2 American Center for Credit Education
Books
1 Key West Communications
Communications
1 American Consumer Credit Counseling Services Credit Counseling
1 American Credit
Unknown
4 American Credit Counselors
Credit Counseling
1 American Credit Experts
Credit Repair
1 American Debt
Unknown
1 American Debt Aid
Unknown
2 American Debt Arbitration
Debt Settlement
201 N Charles St 109 W 86th St. 8415 Pulsar Place
Baltimore MERRILLVILLE Columbus
255 Gold Rivers Ct, 3rd floor
BASALT
1990 N. Alma School Road #395 11350 66th St N 930 Hamlin Ct 111 St. Joseph ||
CHANDLER Largo SUNNYVALE RAPID CITY ||
3600 W. North Ave. 23123 State Road 7
CHICAGO Boca Raton
1990 W. Camelback Road Suite 405 PHOENIX
11 Family Credit Counseling 1 American Debt Corp 1 American Debt Counseling 8 American Debt Foundation 6 American Debt Negotiators 1 American Debt Solutions, LLC 1 First Rate Debt 3 American Equity Services 1 American Express 1 American Financial Freedom Services 6 American Financial Service 1 Debt Consultants of America
14 American Financial Solutions (AFS) 1 American FINCO
Credit Counseling Unknown Credit Counseling Debt Settlement Debt Settlement Debt Settlement Debt Settlement Unknown Creditor Financial Services Debt Settlement Debt Settlement Credit Counseling Creditor
1 American Foreclosure Professionals 3 American General Finance 1 American Home Agency Co. 1 American Home Mortgage Corp 3 American Honda Finance 3 American Housing Authority
Mortgage Rescue Creditor Mortgage Rescue Creditor Creditor Unknown
1 American Modification Agency 8 American Networking 3 American No Debt, LLC
Mortgage Rescue Unknown Debt Settlement
2 American Payment Services
Electronic Commerce
6 American Software Solutions
Credit Repair
1 American Student Loan Consolidation CorporatioUnknown
10758 Wiles Rd| 22600 B Lambert St Suite 802 310 44th St SW 10000 STIRLING ROAD 11555 Heron Bay Blvd. Suite 200 56925 Yucca Trail | 4423 Lehigh Rd
Coral Springs| Lake Forest GRAND RAPIDS COOPER CITY Coral Springs Yucca Valley |,, College Park
231 Market Place, Suite 315| 9530 Hageman Road, |8140 Walnut Hill Ln Suite 603 263 4th St 425 N Martingale Rd STE 450
San Ramon| Bakersfield |Dallas BREMERTON SCHAUMBURG
10999 Reed Hartman Hwy
Cincinnati
538 Broadhollow Road PO Box 5308 2320 E Baseline Rd Box 465
PO Box 1111 11350 66th St Ste 116
PO Box 130
P.O. Box 674406 7150 114th Ave Suite 100
MELVILLE ELGIN Phoenix
Hauppauge SNELLVILLE LARGO
MARBLE FALLS
ATLANTA Largo, FL
%20List%20-%20Alpha%20by%20Company.pdf
m/
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------------------h-t-tp--:-//-w--w---w--.about_ada.html FL AG Action 005B8BD7
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payment-services-in-marble-falls-tx-46024
in-marietta-ga-27163612
-------------------
2 American Student Loan Services 8 American Tax Relief 2 Americans for Financial Security 1 Americare Debt Elimination 1 Americas Debt Choice 3 America's Debt Firm, Inc. 47 America's Servicing Company 1 Americredit Financial 23 Ameridebt 2 Ameriprise Financial Services
2 AmeriTax Services 1 Amiron IP 5 Ammend Credit Counseling 3 Amscot 2 Andorra Credit Repair Corporation 1 Angel Credit Solutions 1 ANNE HOWARD 1 Answer Financial 1 Antony N. Cineus|Dia Group USA 2 Aon Integramark 1 Apollo Acceptance 1 Apex Financial Solutions
1 Apply 2 Save
1 Approved Credit Services 1 AQ2 Technologies, LLC 11 Aqua Finance, Inc. 11 Aria Financial Corp. 1 Arrow Financial Services 1 ARS 1 ASI Credit Counseling 1 Associated Counseling|Charter Cable 6 Associated Tax Relief 1 Associates Consumer Credit|Card Services
1 Assurant Solutions
1 Assured Credit Counseling 1 Atlantis Credit 1 Atlas Credit Co., Inc 1 Attorney Debt Group
1 Augustus Rae and Reed 1 Austin Leads Inc 5 1 Auto Warranty 1 Avail Financial Corporation 2 Avanti Solution Group
Student Loans Tax Employment Services Unknown Mortgage Rescue Debt Settlement Mortgage Servicing Creditor Credit Counseling Financial Services
Financial Services Unknown Credit Counseling Pay Day Lender Credit Repair Debt Settlement Law Firm Insurance Unknown Insurance Unknown Debt Settlement
Mortgage Rescue
Credit Repair Computer Services Creditor Financial Services Collection Agency Unknown Unknown Mental Counseling Tax Unknown
Canada
Credit Repair Financial Services Creditor Attorney Referrals
Mortgage Rescue Unknown Credit Card Processing Auto Warranty Unknown Creditor
10850 N. 24th Avenue
PHOENIX
4801 Wilshire Blvd
Los Angelos
PO Box 141268
IRVING
P.O. Box 604467
ATLANTA
30 Corporate Park
Irvin
7557 Rambler Rd Ste 700
DALLAS
1 Home Campus - Mac #X2302-02J DES MOINES
801 Cherry Street
FORT WORTH
5511 Capital Center Dr Ste 100
RALEIGH
470 East 1100 South # 58
ST GEORGE
PO Box 43482 600 N West Shore Blvd Fl 1200 14300 N. Northsight Blvd. #129
CINCINNATI TAMPA SCOTTSDALE
5650 LCAMINO REAL PO Box 4157 12472 Lake Underhill Rd #331| 1145 Sanctuary Pkwy Ste 300 2726 Broadway Center Blvd
CARLSBAD OAK RIDGE Orlando| ALPHARETTA BRANDON Lake Forest
7830 Meadowlark Way
CDA
5482 Wilshire Blvd 135 Gemini Circle PO Box 3256 9543 South 700 East Ste 200 5996 W Touhy Ave
Los Angeles BIRMINGHAM MILWAUKEE SANDY NILES
614 N 3rd Ave|4920 Alderson St 3303 Wilshire Blvd. Suite 1200 |
PO Box 7000
3773 NW 126th Ave. Suite 3 5155 Rosecrans Ave. # 212 1414 Dallas 14590 S. Military Trail
860 Oak Ridge Rd 808 East Utah Valley Dr
19500 Jamboree Rd 2741 Executive Park Drive
Wausau|Schofield Los Angeles |
KINGSTON
Coral Springs Hawthorne MCALLEN Del Ray Beach
st marys Saint Augustine AMERICAN FORK
Irvine WESTON
h-t-tp-s-:-/-/-news/press-release/homeowners-help-is-here FTC Action and Multiple State Actions
a--m---m--e--n--d-.-o--r-g-- |
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IL Action
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1 B & D Real Estate, LLC 5 B2B Credit Inc. 1 1 Bank CD Central 5 Bank Of America Recovery Management 1 Barclays 1 Beacon Broker & Buyer Services 8 Beacon Debt Solutions
2 Beacon financial group 1 Bell South 3 Bella Financial 1 Bella Risultato, LLC 2 Beneficial 1 Beneficial HSBC Group 1 Best Cash Advance Inc 1 Best Debt Solutions 1 Better Your Credit 1 BHR & Associates 1 , Inc. 5 BIG SOLUTIONS, INC. (BSI) 1 BLF Financial Services, Inc. 1 New Century Realty 1 BOA|Consumer Card Services
Unknown Creditor Unknown Financial Services Creditor Creditor Unknown Debt Settlement
8107 Shady Place 10640 E. Bethany Dr. #A 5601 E Slauson Ave 3322 Bee Ridge Rd Ste 100 4161 Piedmont Pkwy 100 S. West Street PO Box 1299 16478 Beach Blvd
BRENTWOOD AURORA Commerce SARASOTA GREENSBORO Wilmington Milledgeville Westminster
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Advance Fee Loans
6000 fairview Road
Charlotte
Creditor
Debt Settlement
13625 Newtron Rd
Dallas
Unknown
17304 Preston Rd Ste 800
Dallas
Creditor Creditor
1764 Emire Blvd 1407 Veterans Pkwy.
Webster BLOOMINGTON
h--t-t-p--:/-/-w--w--w---.coms2/dnbcompany_g3fjqp
Pay Day Lender
2150 South 1300 East Ste 500
SALT LAKE CITY
Debt Settlement
1026 W. El Norte Pkwy, Suite 220 Escondido
CA Action
Credit Repair
PO Box 781505
SAN ANTONIO
Unknown
5405 Alton Pkwy
Irvine
Internet Auction Payments 1295 Charleston Rd
MOUNTAIN VIEW
Credit Counseling
1761 West Hillsboro Blvd,Suite #409 DEERFIELD
Mortgage Broker
9101 East Kenyon Suite 1100
ENGLEWOOD
Realtors
|4757 S Broadway St Unit 217|3350 W|Los Angeles|Los Angeles
Creditor
|
|
1 Boston Debt Solutions 1 Cam Sawyer 2 Brian Cole 1 Brim Marketing LLC 4 Broad Financial Services
15 Brockville Financial
Debt Settlement Debt Settlement Unknown Unknown Unknown
Advance Fee Loans
410 Boston Post Rd |13215 SE Mill Plain Blvd| 508 W 1st
9750 Royal Lane Suite 1000
1118 Water Ave, Ste 2
VT Action
Sudbury
09.pdf
Phenix City|Vancouver,Va||
Malden
DALLAS SELMA
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3 BRUNSWICK FINANCIAL GROUP
Advance Fee Loans
1 Buchanan Brown & Howard 1 Burley
Financial Services Unknown
2 Business Revenue Systems Inc
Collection Agency
1 CADMOA|Credit and Debt Management of AmerDebt Settlement
1 Cal Services
Unknown
1 California Student Aide Commission (CSAC) Government
2 Cambridge Credit Counseing Corp.
Credit Counseling
34 Compos Chartered Law Firm 2 Capital Tax & Bookkeeping, Inc. 2 Capital Consultants 2 Capital Debt Settlement
Law Firm Tax Unknown Debt Settlement
3473 SATELLITE BLVD 705 E 162nd Street
DULUTH SOUTH HOLLAND
PO Box 13077
DES MOINES
7668 Warren parkway |15660 N. Dallafrisco|Dallas
po box 419032 PO Box 4133
rancho cordoba Woburn
PO Box 170 11711 Woodruff Ave. Ste 100
Syosset Downey Staten Island
_was_scammed_out_of_1700.00_for_secured_loan_neal_harper_and_lloyd_duncan
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