“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

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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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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

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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

h-t-tp--:-//-ir-.

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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

-------------------

h-t-tp--:-//-w--w---w--.-Loans/Brockville-Financial/brockville-financial-financiayc5yf.htm

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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