The United States Organizations for Bankruptcy Alternatives (USOBA) was founded by members of the industry seeking representation specifically for debt negotiation outside of credit counseling and bankruptcy law. The mission of USOBA is to create and advocate an agenda only for the debt negotiation industry.

With record levels of consumers filing for bankruptcy each year, the credit counseling industry under fire from the IRS, FTC, U.S. Senate and House, consumer advocates and the state legislatures, USOBA members are the last line of help before going bankrupt.

Headquartered in the Houston, TX area, USOBA represents and advocates for the fair regulation of the industry and the protection of consumers. USOBA is the only trade association for the debt negotiation industry and does not commingle its message with that of other financial services.

As a USOBA member, your organization will be part of the leadership of the industry, part of the direction of the industry and part of its future.