The American Association of Debt Management Organizations (AADMO) is warning consumers of certain debt counseling web pages that are using, or have used, the AADMO name or logo to imply false endorsement or affiliation. These companies are NOT members of AADMO and have not been authorized to display the association’s logo.

Consumers are warned about the following web sites:
www.settlethatdebt.com
www.arayofhope4ufinancial.com
www.debtreliefprogram.net
www.endyourdebt.net
www.1-debt.com
www.no-bankruptcy.net
www.debt-return.com
www.debt-debt-debt-debt.com
www.bankruptcysucks.com
www.american-debt.com
www.debt-negotiation-settlements.net
www.no-bills4u.com
www.credit-card-debt.credit-card-debt-credit-card-debt.com
www.debt-resolution.net
www.debtcompany.net
www.american-mortgage-loan.com
www.debt-answers.com
www.debt-settlement.debt-company.com
www.americandebthelp.com

Consumers who have given information on these sites or used the services of any organization found through these sites are urged to contact AADMO at e-mail protected from spam bots. AADMO will provide assistance to consumers to file complaints with law enforcement agencies and seek recovery of any fees paid to these agencies.

Many states have laws regulating credit counseling agencies and require that they be licensed. Through the AADMO web page, consumers can learn what agencies are licensed and where to find those agencies.

The AADMO web page (www.AADMO.org) identifies only those agencies (without regard to affiliation) that are approved by the applicable state. Other web sites guide consumers to selected agencies but not all approved agencies. The AADMO web page is the only page in the industry to identify all licensed or authorized credit counseling agencies --- regardless of whether or not they are a member of AADMO.

Consumers can get help from legitimate and approved credit counselors. To find an authorized credit counseling agency, visit www.AADMO.org and click on the "Find a Credit Counselor" button.

ABOUT AADMO
AADMO is the credit counseling and debt management industry’s largest trade association. It is an industry education and advocacy organization whose mission is to promote and ensure the continued operation and viability of credit counseling and debt management organizations. AADMO provides its members and the consumer public with information about the credit and debt counseling industry. AADMO members are consumer credit counseling agencies debt management organizations, credit counselors, personal finance educators, credit and debt information educators, credit counselors, 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 (the enforcement agencies) upon enactment of their respective laws governing credit counseling and AADMO is the only trade association for the industry to publish a formal summary of state laws that has been reviewed by state regulators.