Posted in Finances

Debt Collectors Still Harassing Consumers—May Wind Up Being Good News for Consumers – By Steven Ciantro

Steven Ciantro is a certified credit counselor, a management representative of American Debt Enders, and a former finalist in Inc. magazine and Ernst and Young’s Entrepreneur of the Year contest. He is also a Talk-Show Radio Host and successful published songwriter and musician (his album January Tyme can be heard on YouTube), the inventor of a patented medical device, a public speaker on debt issues, and the official debt expert for motivational speaker Gail Kasper’s Top 1% Club.


The Consumer Finance Protection Board, created in 2012 as part of the Dodd-Frank Bill, has sweeping regulatory authority over consumers who have any type of financial dealings in the US. All of this is just beginning to kick in. For example, see the recent article “N.Y.'s Lawsky Offers Tougher Rules for Debt-Collection Suits” by Chris Cumming.

New York financial regulator Benjamin Lawsky is urging the state to make it harder for debt collectors to win court judgments using shoddy documentation. Notice that the push for the protection is on behalf of the consumer against the debt collection industry. All this movement is following sweeping audits of the collection industry in 2013.

If you feel you are being harassed and need immediate help to settle a debt, you can contact a bankruptcy lawyer. If you feel any of the collectors are violating your legal rights, you can file a complaint by calling (855) 411-CFPB (2372). They will welcome your call. If a bankruptcy lawyer cannot help—and many times they cannot—contact a reputable credit counseling program.

If you would like to get FREE credit counseling and great free advice, you want to narrow it down to a company that handles a great many programs.




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ABOUT STEVEN CIANTRO: Steven is well suited to advising on debt issues. Growing up from humble beginnings, he personally made a fortune from nothing in his earlier years and lost it. The experience completely altered his value system. It seemed every professional debt expert Steven and his wife spoke to wanted to put them into even more debt to help them. It took years for them to untangle the financial mess, which they ultimately did on their own, gaining a tremendous education in the process. However, the experience left Steven with chronic kidney disease, which he still battles today. In 2004, Steven found work at a national nonprofit credit counseling company. After six months, he became regional manager; Steven had found a new calling. He is in the unique position of not only being a true expert on debt relief issues, but also understanding firsthand how oppressive debt can be. In 2006, American Debt Enders was started as a company that would offer free credit counseling; it was among the first companies in the nation to use the business model of offering multiple debt relief programs and solutions under the same roof.



This article is courtesy of the Top 1% Club and the Top 1% Club Mentor Gail Kasper. For additional information on Gail Kasper, her television appearances and speaking engagements, please visit