Welcome to the official web site of the USOBA.
The United States Organizations for Bankruptcy Alternatives (USOBA
) was founded by members of the industry seeking representation specifically for debt negotiation outside of credit counseling and bankruptcy law. The mission of USOBA
is to provide an accreditation standard that meets or exceeds all state and federal laws governing the debt negotiation industry.
With record levels of citizens filing for bankruptcy each year, the credit counseling industry is under fire from the IRS, FTC, U.S. Senate and House, consumer advocates and the state legislatures. USOBA
accredited companies are the last line of help for consumers before going bankrupt.
Headquartered in the Dallas, TX area, USOBA
produced a standard for the debt negotiation industry and does not commingle its message with that of other financial services.