Signs of a debt relief scam

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If you feel smothered by your monthly bills, a call from someone who says they can reduce or eliminate your debts might sound like the answer to your problems. But in many cases, unscrupulous people are behind these calls. They don’t have any intention of helping you, but are very interested in taking your money. How can you tell if you’re dealing with a debt relief scammer? Because they ask you to pay them before they do anything for you.

That’s what the FTC and the Florida Attorney General said happened in a massive debt relief scam they were able to stop last month. The defendants told people they would pay, settle, or get rid of their debts. But they didn’t. Instead, they just took people’s money. Over time, people found out that their debts were not paid, their accounts were in default, and their credit scores were severely damaged. Some people even got sued by their creditors, or were forced into bankruptcy.

Unfortunately, scammers try to take advantage of those dealing with debt – but there’s legitimate help out there. You can talk to your creditors directly to negotiate a modified payment plan. You also can look for credit counseling. To find reputable help, start with a credit union, local college, military base, or the U.S. Cooperative Extension Service. And if you decide to work with a debt relief service, remember this:

  • A legitimate debt relief company won’t make you pay up front. That’s illegal.

  • No one can guarantee that your creditors will forgive your debts.

  • Your report can help stop a debt relief scam. If you spot one, tell the FTC.

Tagged with: bad credit, debt, poor credit
Blog Topics: 
Money & Credit


I had a call last week from Credit Card Services on the high interest they had charged and they wanted my card information. They had them all listed. I didn't answer the phone after they man talked to his boss.

I got a call from Credit Card Services two weeks ago and they wanted money before I got my credit card rate of 0%. Come to find out they opened a credit card without my permission. If it sounds too good it usually is.

I got a call from credit card services. They took my card number an last 4 numbers on my ss #. I called an cancelled the the card. Now they keep calling constantly. What should I do?

Thank you so much for posting this information on the Internet. I am trying to resolve my debt to income ratio at 64 years old, an unmarried woman, and I have talked to several debt relief companies and was not comfortable with their terms. I bought a home last September, been in the hospital twice in 2017, and I became head of my household last December when my unemployed grand daughter and my 9-mo old great grand daughter had to move in due to domestic abuse. It has been a struggle and thank you for looking out for the good citizens of this country. Respectfully, Connie M.

Sorry for your situation. Have you contacted your lender to ask if they can put a payment on the end of the loan ? Many county agencies have resources for emergency situations. The Agency on Aging in your area has resources for you. Hope this helps.

Why even give any telemarketer any time at all? They are complete strangers!!!!

People listen because the offers sound so good. To those struggling with massive debt, these offers are very tempting. Too bad they usually are just a way to steal you're money and leave you even worse off.

Although I have NoMoRobo protecting my land line and an app protecting my cell phone, I look up the phone numbers of telemarketers that were blocked and call them back to collect intelligence for reporting back to the FTC complaint site. Without complaint data, the FTC would not have enough "ammunition" to make charges stick in federal court and fine and shut down these criminal organizations, like Rachel from Card Services recently. For some of us, it's a "sporting event" for a good cause.

Hello Crotalus, I would like to know what app you are using to protect your cell phone?

Is Global Enrollment group scam or hacker?

I get these calls about twice a week. They've gotten smarter by using spoofed local numbers. I normally just try the get them to hang up first by insulting them. I try to pick their hot buttons. Some revert back to their scripts, then I use swear words in Hindi if they are from that part of the spectrum. When I call back their incoming numbers it's normally a disconnected or someone's number they didn't know someone was spoofing. I'm to the point where I don't answer anything unless I recognize the name on the caller ID.

I get about two to three of these calls a week about student loan relief. I don't know why they call, I never had a student loan.

Does anybody know anything about Higher Level Processing? I revived a call today and fell for it unfortunately.

Has anyone had any experience with Freedom Financial Services? Sounded good at first and when they talked about how much per month I would have to pay, I can say no cuz it's only $108 less per month than what I am paying. Does this sound familiar to anyone?

Received call on my cell from 704-852-3052 and received a recording covering credit card interest rates. I stayed on the line and spoke to some young lady. Asked her which company she was working for and she answered 'IRP'. I then asked which company it was associated with and she hung up. Called the number back and was informed it was not in service!

Have you heard anything bad about christian debt counselors? based our of FLorida?

I was paying a company to help to lower my credit card debts. I paid for 17 months and then found out they were closed by the FTC. I was told I may get some or all my money back. I haven't heard anything since. I want to fill out something to request a refund but when I go into it only Q & A comes up. Does anyone know what I need to do to get some or all of my money back?

You can report what happened to you to the FTC at You can tell how much money you paid and give your name and contact information if you want.  The information will go into a database that the FTC and other law enforcement agencies use for investigations. That way the FTC will know that you paid money to the company.

The FTC has a list of cases that are providing refunds. If you see the name of the company you paid on that list, call the contact information on the list.

is freedom debt relief a scam

I have had debt relief calls several times a week. They are robocalls but then the most recent one I got, a man came on and verbally and sexually harassed me. How can we get these calls to stop. It was a local number and they are not local. How can it be reported if you can't trace the company

is there a law firm called national credit card relief center?

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