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Welcome to USOBA’s official website!
Our Mission:
To represent the debt negotiation industry by
creating state specific agendas and to advocate for fair
regulation and protection of consumers.
About USOBA:
The United States Organization for
Bankruptcy Alternatives (USOBA) was founded by leading
members in the debt negotiation industry seeking
representation outside of credit counseling and bankruptcy
law. USOBA brings individual representation together
as a united front to protect the debt negotiation industry
and to secure its future. We are committed to working with
and informing legislatures, regulators, consumers,
creditors, and governmental bodies to better understand the
industry.
In February 2006, USOBA launched its Accreditation
Program, which was drafted and implemented with member
approved standards. Offered through membership with the
largest trade association in the industry, USOBA’s
Accreditation Program was the first audit supported, free
consumer referral system. The Program is administered by BSI
management systems, acting as an impartial auditing agency.
Headquartered in Houston, Texas, USOBA is the most
respected trade association for the debt negotiation
industry and does not commingle its message with that of
other financial services.
About the Industry:
Record levels of American consumers file for
bankruptcy each year. With the credit counseling industry
under fire from the IRS, FTC, U.S. Senate and House,
consumer advocates and state legislatures, USOBA
members are consumers’ last hope before filing bankruptcy.
As with many industries, the newly regulated debt
negotiation industry is facing rapid legal landscape changes
across the country. Without representation and advocacy
through an industry association, debt negotiators may not
have their voices heard. It only takes one law to completely
alter the dynamic of any particular industry.
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