National Debt Relief Offers Stronger Protection for Clients Against Recently Discovered Shady Debt Collection Practices

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In light of the latest U.S. news reports revealing how debt collection companies team up with local district attorney offices to get debtors to settle their accounts, leading debt management company National Debt Relief offers a revitalized debt settlement program that can steer debtors away from harassment.

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Signing up for an effective debt relief program such as settlement will keep consumers away from the misleading tactics currently being employed by a number of debt collection agencies.

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An article recently published in the New York Times revealed how debt collection companies have fallen into the practice of sending writers of bad checks letters threatening them with conviction if they fail to pay up, with an additional menacing touch: the letters bear the seal and signature of the local district attorney's office. To reinforce its commitment to keeping clients away from such forms of harassment, National Debt Relief, a leading debt management company, recently introduced a more concrete and reliable solution for reducing unsecured debt: debt settlement instead of debt consolidation loans. National Debt Relief programs can help thousands of people take control of their personal finances and avoid the unnecessary stress from being constantly contacted by collectors with deceptive collection approaches.

Debt consolidation refers to the practice of taking out a new loan to pay off an existing one or several others. While this option may seem favorable because of the convenience of a lower interest rate or of servicing just one loan, the total amount repaid can amount to a significantly higher sum due to the longer payment period. National Debt Relief’s strengthened debt settlement program, on the other hand, is an excellent debt management plan for people with legitimate financial hardships or more debt than they can afford to pay within a 2-4 year time frame.

With debt settlement, a person's debt is negotiated down to a reduced amount and usually paid off in a lump sum. When determining which debt program is best to resolve credit card debts, outstanding personal loans, home mortgage payments, or medical bills, consumers will find that debt settlement and negotiation offer the benefits of debt consolidation without a loan. Essentially, consumers can reduce their debts and save thousands of dollars in the process.

"Our experienced debt counselors can take care of the legwork of contacting your creditors and go to bat for you – negotiating a favorable settlement offer on your debt. Most consumers do not have the time needed to stay in touch with credit card companies on a regular basis, update them on their desperate financial situation, and negotiate over and over until an offer is accepted."

Signing up for an effective debt relief program such as settlement will keep consumers away from the misleading tactics currently being employed by a number of debt collection agencies. As uncovered by the recent New York Times article by Jessica Silver-Greenberg, debt collection companies send letters to debtors with the local district attorney's office letterhead to threaten them with jail time if they fail to pay their debts. A debtor will be forced to pay his unpaid check as well as fees for a class on "budgeting and financial responsibility," some of which will be sent to the district attorney's office. This practice is now known to have spread to more than 300 district attorneys' offices in recent years.

Debt collectors have been challenged in courts all over the country for years for illegally menacing people with threats of jail and falsely implying that they have committed a crime and can be subject to law enforcement when in fact a prosecutor has yet to determine whether there has been a legitimate law broken.

"The Federal Trade Commission enforced the Fair Debt Collection Practices Act to ensure debt collection agencies are not deceitful, unjust, or offensive when they try to collect a debt. Only individuals are protected by this act," the National Debt Relief spokesperson clarifies.

Debtors can avoid bankruptcy with National Debt Relief and be credit-free in as early as 24 to 48 months. For more information on the best ways to reduce mounting debts and take control of their finances, consumers can visit the company's website at

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Paul Ritz
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