Providing industry orientation, training and certification for individual Debt Settlement Professionals...over 2000 IAPDA members!
...a 2009 top rated career & business opportunity in one of the nation's fastest growing industries, a career providing vital financial help and hope to millions of consumers...
The Debt Settlement industry is growing very rapidly...
- Recent changes in Bankruptcy laws make it more difficult for consumers to clear debts.
- Housing prices are dropping causing a decrease in available cash for consumers.
- American consumers are over $2.56 Trillion in Debt, mostly credit card and other unsecured debt.
- Credit card companies are teaming up to track late payments by consumers. Because of the universal default clause contained in their terms and conditions creditors are able to raise consumer's interest rates even if they paid on time with them but paid late with a different creditor.
CreditCards.com says - "Total U.S. consumer debt (which includes credit card debt and noncredit-card debt but not mortgage debt) reached $2.56 trillion at the end of 2008, up from $2.52 trillion at the end of 2007. (Source: Federal Reserve's G.19 report, February 2009)
As of March 2009, U.S. revolving consumer debt, made up almost entirely of credit card debt, was about $950 Billion. In the fourth quarter of 2008, 13.9 percent of consumer disposable income went to service this debt. (Source: U.S. Congress' Joint Economic Committee, "Vicious Cycle: How Unfair Credit Card Company Practices Are Squeezing Consumers and Undermining the Recovery," May 2009)"
A profession that truly makes a difference...
IAPDA membership is comprised of independent business professionals at firms of all sizes from small (under 5 staff members) to many of North America's leading and largest Debt Arbitration & Settlement firms. We are the only Certification programs focused on Certifying individual Debt Arbitration & Settlement Professionals. See our Member Links page for firms with individual IAPDA Certified members.
"The IAPDA Training and Certification Program is dedicated to serving it's members by defining and validating the profession of Certified Debt Specialists through practical industry knowledge, debt and credit education and by certification of professionals successfully completing the program."
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