San Diego, CA (PRWEB) March 5, 2011
Help for money worries is now just a mouse click away thanks to the launch of Accredited Debt Reliefs online debt relief programs. San Diego, CA based Accredited Debt Relief now offers free information about Debt Management, Debt Consolidation, Debt Settlement and Credit Counseling programs on line 24/7 throughout the United States.
Accredited debt Reliefs online website and debt relief programs shouldn’t come to much of a surprise with the millions of consumers who are facing debt related issues due to the weakened economy. There is an estimated 609.8 million credit cards held by U.S. consumers. (Source: "The Survey of Consumer Payment Choice," Federal Reserve Bank of Boston, January 2010)
The average amount of credit card debt per household in the United States is Average credit card debt per household with credit card debt: $14,750 (Source: CreditCards.com) And as of November of 2010 the average interest rate of credit cards that carry a balance on them is a staggering 13.67 per cent interest rate.
Accredited Debt Relief has also partnered with the DAAN Group. The DAAN Group is an industry leading creditor call system. The DAAN Group and Accredited Debt Relief partnered to help clients whom are being harassed by creditors or collection companies. Many collection companies and creditors have been charged with illegal collection practices per the FDCPA “Fair Debt Collection Practices Act”.
The FDCPA prohibits certain types of "abusive and deceptive" conduct when attempting to collect debts, including the following: (Source: Wikipedia)
- Hours for phone contact: contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time
- Failure to cease communication upon request: communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted
- Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously: with intent to annoy, abuse, or harass any person at the called number.
- Communicating with consumers at their place of employment after having been advised that this is unacceptable or prohibited by the employer
- Contacting consumer known to be represented by an attorney]
- Communicating with consumer after request for validation has been made: communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer's written request for verification of a debt made within the 30 day validation period (or for the name and address of the original creditor on a debt) and before the debt collector mails the consumer the requested verification or original creditor's name and address
- Misrepresentation or deceit: misrepresenting the debt or using deception to collect the debt, including a debt collector's misrepresentation that he or she is an attorney or law enforcement officer
- Publishing the consumer's name or address on a "bad debt" list
- Seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract or as provided under applicable law
- Threatening arrest or legal action that is either not permitted or not actually contemplated
- Abusive or profane language used in the course of communication related to the debt
- Communication with third parties: revealing or discussing the nature of debts with third parties (other than the consumer's spouse or attorney) (Collection agencies are allowed to contact neighbors or co-workers but only to obtain location information; disreputable agencies often harass debtors with a "block party" or "office party" where they contact multiple neighbors or co-workers telling them they need to reach the debtor on an urgent matter.)
- Contact by embarrassing media, such as communicating with a consumer regarding a debt by post card, or using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business
- Reporting false information on a consumer's credit report or threatening to do so in the process of collection
Some Debt Reduction FAQ
Accredited Debt Relief specializes in connecting consumers with the right debt relief companies and programs that will help suit their exact specific situation. The belief of a “One Size Fits All” program is thrown out the door with the trash. Everyone has a unique situation and therefore must be treated uniquely and working with the correct debt relief program for their exact situation.
Today’s debt relief options can range from Debt Management Programs, Debt Consolidation Loans, Credit Counseling Programs, Debt Settlement Programs, Mortgage Assistance, and last but not least Bankruptcy advice.
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