One of the most important and accurate rebuttals to debt settlement is that calls from creditors will persist while the client in the debt settlement program.

Debt settlement typically functions whereby a client stops paying creditors directly. Moreover, debt settlement clients are usually instructed that they should not speak to their creditors directly. However, calling and “harassing” clients and often telling them how “bad” a debt settlement program is the primary tool in collecting debts, and creditors usually don't stop calling until they are paid, getting payments, or forced to stop calling by some legal or pragmatic mechanism.

Before proceeding it is important to note that there is a federal law the Federal Debt Practices Collection Act (FDPCA) which protects clients from being called too late or too early, being threatened with harm, from family members or neighbors being called, being verbally abused etc. Clients also can tell creditors/collectors to not call them at work and to not call their cell phone as these could cause unjust harm to client’s finances (loss of job, cell phone charges). People are also allowed to request in writing not receiving any calls at all, using a “cease and desist” letter.

The first problem with the FDCPA is that it only applies to collection agencies, and some debts are held for long periods of time by original creditors. The second problem is that collection agencies use a variety of techniques to not comply with the FDCPA, the primary one is of simply ignoring it altogether! Cease and desist letters are often ignored as well and the phone keeps on ringing. Unless the client has ability to record calls, hire an attorney, maintain a strict log, etc. these violations will continue unabated.

A new technology has been created by the DAAN group which solves the problems described here. The system allows for calls to be immediately routed to a law firm which monitors FDCPA violations and forwards the calls to the correct debt settlement company phone number. The technology is easily installed into one’s landline phone, the most problematic source of creditor phone calls. Over time, with correct usage of the DAAN technology, creditors typically find themselves no other outlet than to settle with the intermediary company.