Advance-fee ban (TSR)

The restriction on collecting fees for covered telemarketed debt-relief services before the rule's settlement and payment conditions are met.

Updated

Context for debt relief lead buyers

For covered telemarketed debt-relief services, the rule sets conditions that must be met before fees can be collected, including a settled or altered debt and a consumer payment under the agreement. Scope and exemptions need legal review. Marketplace acquisition cost is separate from consumer fees; buying a record does not make your fee model compliant. Review the related guidance before choosing filters or contacting a consumer. DebtReliefLeadsCo sells records to businesses; it does not provide settlement, counseling or lending services. Buyers retain responsibility for their own licensing, program assessment and TSR/contact compliance. No definition is a guarantee of volume, enrollment or legal sufficiency.

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