Providing industry orientation, training and certification for individual Debt Settlement Professionals...

 

...a 2008 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 $2.46 Trillion in Debt, mostly credit card debt.   
  • Credit card companies are teaming up to track late payments by consumers.  Because of new laws 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 reached $2.46 trillion in 2007", by far the highest ever, most of it on credit cards with staggering interest rates.

 

The average American household with at least one credit card has nearly $19,200 in credit card debt, according to CardWeb.com, and the average interest rate runs in the mid- to high teens at any given time.

 

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 Arbitrators and Certified Debt Specialists through practical industry knowledge, debt and credit education and by certification of professionals successfully completing the program."

 

Be a part of this exciting industry...

 

IAPDA Certified Debt Arbitrators and Certified Debt Specialists are trained using the industry standard of training programs and are skilled debt arbitration & debt settlement professionals. Our members are current with the laws pertaining to debt, credit and collection and represent their debtor client's best interests during sensitive debt negotiations with creditors and collectors.

 

Consumer and Business Debt Arbitration/Negotiation and Settlement is one of North America's fastest growing financial segments and is among the Top Rated Career Opportunities of the New Millennium.

 

 
   

You can start today...

 

IAPDA members are individuals who enjoy an exciting career as Certified Debt Arbitrators and Certified Debt Specialists with many of North America's leading Debt Arbitration & Settlement firms. See our Member Links page for the company contact information of many of our Certified Debt Arbitrator and Certified Debt Specialist members.

 

A complete training and certification program...

 

Our training system and methods are complete, based on knowing the consumer laws governing the debt and credit Industry and fully understanding the client's current financial situation. IAPDA members are thoroughly trained and have learned non-confrontational negotiation skills to arbitrate debt settlements with creditors, collectors and attorneys on behalf of their debtor clients. As Certified Debt Arbitrators and Certified Debt Specialists they facilitate a Win/Win resolution to debt and credit problems.

 

A financially rewarding career helping others for lifetime...

 

IAPDA Certified Debt Arbitrators and Certified Debt Specialists are respected professionals in the Debt Settlement industry. Clients, creditors/collectors and collection attorneys all recognize the commitment of our members to training, certification and membership in the IAPDA. Leading Debt Settlement professionals fully understand the value and the return received for their initial business investment in training, certification and membership.

 

 

 

IAPDA membership is granted for lifetime and all future course upgrades are included with no further costs - ever !

 

 

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Our Featured Question & Answer of the Day For Friday

 

Q. Why Would a Creditor Agree To Accept Less?

 

A: The primary reason a creditor will accept a settlement is because it is cost effective for the creditor, plain and simple. The degree of the discount (how much they will forgive) will vary case-by-case; therefore, a creditor will take into account many factors when determining their bottom line on accepting a settlement.

 

 The primary factor creditors take into account is what percentage of the debt is likely to be collected in the future if they do not accept an offer now. The other factor creditors look at is what is the likelihood of collecting the full debt through normal collection activity or through the legal system.  

 

Before they agree to any settlement, they will often take into account, debtor's income, the state they live in, the age of the debt, type of debt, debtor's assets, etc.  

 

Professional negotiators will put a case together that will make the creditors understand that it is in their best interest to settle the debt and accept their offer.