Contact: Certified Debt, LLC

Ryan Epper

 205-345-0459 

902 Main Avenue, Northport, AL 35476

debtpro@certifieddebt.com

Alabama Debt Settlement Company Offers Consumers Free Guide to Preventing Harassment by Debt Collectors

Certified Debt, LLC Gives Away Free Downloadable Consumer Guide to Dealing Effectively with Debt Collectors

Sept. 30, 2008 – Northport, Alabama – This week the country faced the largest banking failure in American history when Washington Mutual failed. A few days later, the employees of Bill Heard Chevrolet, a 14-location chain of Chevrolet dealers in the Southeastern United States, learned that they were about to be jobless from a posting on the Internet.

“The current wave of business closings are going to be devastating because few Americans have the savings—even with unemployment—to endure even a short period of unemployment,” says Certified Debt, LLC President Ryan Epper.

“Right now many Americans who have never been late on a bill in their lives are suddenly finding themselves out of work and unable to pay their mortgages, credit cards, car payments, and utility bills.

For the first time ever, they are getting letters and calls from bill collectors and may not have a good grasp of the dos and don’ts of dealing with collections agents. Few consumers are experts on the Fair Debt Collection Practices Act (FDCPA) that covers the conduct required of bill collectors collecting consumer debts on behalf of other businesses.

“I have written a short guide to the FDCPA that should help people understand the basics of what a collector can and cannot do,” said Epper. “The free guide also includes some tips to effectively deal with collections agencies,” said Epper.

“Where you think that a collector has broken the law, the best course of action is to seek the advice of a licensed consumer attorney in your state,” insists Epper. “But the more you know about the laws designed to protect you from unfair collections practices, the better off you are as a consumer,” says the Alabama-based debt settlement company executive.

The guide can be downloaded as a PDF by visiting Attorney Debt Settlement Program   The guide is also available by sending a self-addressed stamped envelope to Certified Debt, LLC, 902 Main Avenue, Northport, AL 35476. Attn: Guidebook.

Certified Debt, LLC (http://www.certifieddebt.com) is a provider of attorney negotiated debt settlement services. The firm is located at 902 Main Avenue, Northport, AL 35476. Certified Debt, LLC can be reached at  1-877-332-8441  and serves consumer debt settlement clients in 24 states.