S1310/A4598 Will Harm NJ Consumers
S1310/A4598 will hurt New Jersey consumers by legalizing debt adjustment, also known as debt settlement. Debt adjustment is one of the worst options for people in debt.
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Why Debt Settlement is Bad for People in Debt
Debt settlement doesn’t work. It hurts people in debt. And it hurts businesses too. This document lists the many reasons why consumers should avoid debt settlement companies and why state legislators should do more to restrict it.
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Asking the Wrong Question: A Critique of the Debt Settlement Industry's Data Analysis
Every few years, since 2012, the debt settlement industry has released a report asserting its worth to consumers. The reports are commissioned by the American Fair Credit Council (AFCC), a trade association representing the debt settlement industry.
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Need Help with Debts? Don’t Get Burned by Scammers—Know the Facts About Debt Relief!
This fact sheet covers different types of debt relief and what consumers should watch out for.
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