Financial Management & Consulting

www.cadmoa.com
We have one priority, and that is to help you settle your debts in 36 months or less. Using years of experience, we build working relationships with our clients and creditors to provide the best solutions. We understand that each person’s situation is different, and we take every detail into consideration before we create a plan to help you. Let Credit and Debt Management of America put you on the track to financial responsibility.

www.usoba.org
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.

www.tascsite.org
TASC’s goals are to promote good practice in the debt settlement industry, protect the interests of consumer debtors, and lobby on behalf of debt settlement companies on the federal and state level.

Debt settlement companies act on behalf of consumer debtors to help them clear their debts. They do this by entering into direct negotiations with creditors in order to facilitate the repayment of debts. In return for their services, debt settlement companies are generally paid a fee by the consumer debtor. In order to avoid any hint of impropriety, TASC members do not handle, manage, or otherwise control their client’s funds.

www.aadmo.com
AADMO is the largest trade association for the credit counseling and debt management industry. Nationwide, the majority of licensed and legally operating credit counseling agencies are members of AADMO.

www.nfcc.org
With over 100 member agencies and more than 900 local offices throughout the country, the NFCC is the national voice for its members, which are nonprofit, mission driven, community-based agencies

Many NFCC members are known as Consumer Credit Counseling Service ® ("CCCS"). An increasing number of agencies operate under other names, but all members can be identified by the NFCC member seal. This seal represents accredited agencies with high standards, ethical practices, certified counselors, and policies and practices which help consumers achieve financial stability.

www.house.gov
The chief function of Congress is the making of laws. The legislative process comprises a number of steps, and much information is available from this page concerning the legislation introduced and considered in the 111th Congress. To help you understand the information and how it interrelates, a very brief overview of the legislative process within the House of Representatives is presented below. There are many aspects and variations of the process which are not addressed here. A much more in-depth discussion and presentation of the overall process is available in How Our Laws Are Made. Most of the information presented below was excerpted from that Congressional document.

www.irs.gov
The Internal Revenue Service is the nation's tax collection agency and administers the Internal Revenue Code enacted by Congress.

www.ftc.gov
The FTC deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers’ interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies; develops policy and research tools through hearings, workshops, and conferences; and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies.

www.iapda.org
The International Association of Professional Debt Arbitrators grew from the commitment of its members to the establishment and maintenance of the highest standards of ethics, professional conduct, and responsible trading, for members operating in the Debt Settlement industry. The evolution of the services provided, and the rapid deployment of Internet and related technology, has meant that this sector of the market has grown in size and range of services. This Professional Third Party Debt Arbitration/Settlement sector now handles a much greater depth of services than at any other time in history.

www.bsiamericas.com
BSI Group is a global independent business services organization that inspires confidence and delivers assurance to customers with standards-based solutions.

www.bvqi.com
With 80,000 clients in more than 100 countries, delivering over 100,000 certificates, Bureau Veritas Certification (formerly BVQI) is the world's leading certification body. Relying on a global network of 5,700 highly qualified auditors and expertise that is recognized by more than 35 national and international accreditation bodies, Bureau Veritas Certification provides you with a comprehensive range of certification and auditing services from public standards to more customized schemes, in the fields of Quality, Health, Safety, Environment, and Social Responsibility (QHSE-SR). Bureau Veritas Certification is the independent certification body of Bureau Veritas

www.annualcreditreport.com
Fight identity theft by monitoring and reviewing your credit report. You may request your free credit report online, request your report by phone or request your report through the mail. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request.

www.freecreditreport.com
FreeCreditReport.com part of a family of online consumer credit reporting sites belonging to ConsumerInfo.com, Inc., an Experian® company. ConsumerInfo was founded in 1995 to give consumers quick, easy, and inexpensive access to their credit histories. It is now the leading provider of online consumer credit reports, credit scores, credit monitoring, and other credit-related information. ConsumerInfo provides credit monitoring to its more than 3.1 million members and has delivered more than 20 million credit reports on the web. As part of the Experian family, it continues to grow its membership base and develop innovative products to help consumers better understand their credit.

www.nifce.org
Our mission is to increase professionalism, standards, ethics, and positive recognition in the financial counseling industry. We believe that financial counseling represents an important consumer service and that education is the key for enhanced on-the-job effectiveness, employment satisfaction, and client retention.