Consumer Debt Help Association was established in 2009. Our primary goal was make a positive impact in people’s lives by freeing them from the burden of debt through consumer debt negotiation. Our Debt Negotiators are IAPDA Certified Debt Arbitrators which offer years of experience in both the credit and collections industry. Since we are performance based our clients can feel assured we need to settle their accounts before we earn our fee. We are one of the pioneers of the performance based debt settlement model. We have been performance based even before the FTC advance-fee ban in 2010. We also understand the stress related to overwhelming credit card debt thats why customer service is our top priority.