Why Consumer Protection Institute?
CPI’s DebtResponse™ protection program enables rapid and reliable responses from consumers to debt collectors – including tracking and archiving your communications for future use.
 This program achieves fast results and ensures collector compliance – whether you are demanding that a collector stop contact, or, disputing their claim information. Simply - fast, low-cost, and dependable protection that eliminates confusion, document delivery issues, time problems and collector intimidation.
Consumers are suffering from a lack of this protection.
We diligently work for you and protect you - while you attend to other responsibilities. And, DebtResponse ™ was developed to be easily affordable, comprehensive and guaranteed.
CPI was formed to educate, protect and assist the growing number of consumers who are suffering due to these common debt collection problems:
 Abuse, Intimidation and Harassment- Stopping Collector Contact
- Not Understanding the Debt Collection Process
- Validating or Disputing Claim Information
- Proving Communications Were Delivered
- Obtaining Dispute Responses & Documents
- Zombie and Deceased Debt
- Documenting Payment Plan Details
- Humiliation and Embarrassment
Given the fact that our current economy is causing many debt collectors to be more aggressive, this program is very important to you.
DebtResponse™ provides a unique, powerful and easy way to quickly and dependably end harassment, document your communications, dispute claims, stop collector contact and more.
 No guesswork and no procrastination.
We are not lawyers nor do we offer legal advice. Our mission is simply to help you achieve fast relief and protection by expertly documenting and communicating your important responses to debt collectors – whether a dispute about any issue, payment plan or demanding that the collector stop all contact with you – to ensure compliance.
CPI's DebtResponse™ also fills important gaps between consumers and debt collectors where collection may resume, start or continue -
- Incomplete Debt Management Programs
- Debt Settlement Programs
- Disqualified Bankruptcy Petitions
DebtResponse™ program benefits and protections to you are clear:
- Easy To Use - Simply Fill in the Registration Form
- Low Cost Protection
- Telephone Support
- Fast Debt Collector Compliance
- Professional Documentation of Your Responses
- Tracking & Document Archiving - Copies for Your Files
- Confirmation - Solves the Problem “We Never Received Your Letter”
- Time Limitation Database for Zombie Debt (old claims)
- Database of Collector Contact Information
- Unique, Cross-Referenced, Expert-System Document Assembly for Fastest Impact and Best Protection
- Consumer Education
- Deceased Debt Database (new)
- ID Theft Database (new)
Our extensive research shows there is a substantial communication and compliance gap between consumers and debt collectors. This accounts for the thousands of documented complaints to Better Business Bureaus, the FTC and other groups - even when consumers previously contacted debt collectors.
Consumers are suffering from a lack of relief, education and protection.
While the FTC and other business, legal and consumer groups advocate that you should protect your rights under the federal Fair Debt Collection Practices Act and/or state and/or local laws, our in-depth research continuously demonstrated that consumers:
 Often Relied Upon Conversations Which Debt Collectors “Forgot About” - Recorded Conversations Which Sometimes Violated Party Rights
- Wrote Letters with No Response from Debt Collectors
- Did Not Know What to Write
- Did Not Understand Response Time Requirements
- Did Not Have the Time To Write
- Were Often Afraid of Debt Collectors
- Did Not Want Confrontations with Debt Collectors
- Were Not Persistent
DebtResponse™ eliminates all of these problems and produces better and more efficient results than doing this work yourself. We professionally prepare and document communications between you and collectors using certified mail, certified email, fax and air express to help you obtain speedy compliance to your requests or demands – producing quick, long lasting relief and protection.
We know that consumer debts are often collected by two or more successive debt collectors - with each collector often becoming more aggressive. For example, after a credit card debt is charged-off from an original lender such as a bank, it is not unusual for the claim to cycle between 2 or 3 collectors before it may be sold to investors or directly to collection lawyers.
In fact, the “no contact” time between collectors often seems like the collection process has stopped, only to soon start again – same claim, different collector.
YOUR DEBTS CAN BE IN “PLAY” FOR 1-3 YEARS
We also realize that you may now have more than one collection claim, or possibly several in the future, so CPI has developed DebtResponse™ accordingly. For example, you may have one or several credit cards in collection now, and possibly other credit cards or debts continuing from Debt Settlement Programs, possibly returning to collection from incomplete Debt Management Programs or failed bankruptcies.
Because the entire collection cycle can last one or more years it is important to apply CPI's exclusive and unique tools to continuously protect you from harassment and efficiently dispute collector claims.
Register here and start your protection now!
Here's Why You Need Help - a Typical Debt Collection Cycle
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Some tips for working with debt collectors
- Writing - get everything in writing.
- Do Not Reveal - social security numbers or other personal information.
- Dispute - anything that does not look correct - while in dispute the collector can't contact you.
- Identify Theft - look for identify theft - this is a reason for a dispute.
- Make Notes - about collector conversations and times they call -
send them to CPI to update your profile (home, work, family, friends) for corroboration.
- Threats - write down all threats and send them to CPI to update your profile.
- Payment Plans - if you made a payment plan use CPI's DebtPayoff to make sure you are protected.
- Record Conversations - but first check state laws.
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Dispute Your Debt Collection Claims
For Free!
Stop Debt Collector Contact For Free!
As a community service each month we will be selecting one Not-for-Profit organization to help some of their members or congregation to dispute
collector claims or stop contact, free of charge!
Click Here for More Info
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CPI announces special discount programs for qualified Seniors, Students and Auto Workers – see our FAQs for complete details
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CPI announces 2009 Consumer Debt Collection Survey – see our FAQs for complete details.
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CPI announces 2009 Random Give-Back Program
For every 10 new clients in 2009 we will provide our services to one new
person, at random, for free. This can include any of our DebtResponse
programs. If you are selected, we will contact you and refund your money.
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CPI announces future expansion to Canada, UK and Spain
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888-466-2009
