• How do I file a complaint?

• Visit the list of debt consolidating agencies registered to provide services and/or products to Oregon consumers.

• What services are provided by a debt consolidating agency?

• Where can I get a registration package?

• Where can I get more information?

• Where is a list of banks for opening an Oregon Client Trust Account?

• Who is authorized to provide debt consolidating and credit services to Oregon consumers?

• Who is exempt from registration?

The Division of Finance and Corporate Securities (DFCS) investigates complaints involving these organizations. To file a complaint online or download a Microsoft Word Version of the form, click here. Submit written complaints to the division.

Written complaints should contain a brief but accurate explanation of the problem and advise us of your desired result. Any documentation to support the complaint will help the division to more quickly resolve the complaint. Do not send original documents, send copies. Complaints usually take 2 - 4 weeks to resolve.

Payments to any creditor by the agency on behalf of a client:

1. Which are provided from funding sources agreed to in writing by the debtor and within the debtors ability to pay.
2. Which are from sources that may include assignment of wages, salaries, income, credits or the sale of any thing of value.
3. For the purpose of reducing client debts and/or dealing with clients creditors.
4. The agency and the client will agree to a plan for debt reduction or financial accounting prior to implementation.
5. The agency provides complete accounting records of the financial activity provided for the client.

Contact the Debt Consolidating Agencies program at the Division of Finance and Corporate Securities by calling (503) 378-4140 or faxing to (503) 947-7862. Refer to Debt Consolidating Agencies Web site for the current Oregon Revised Statutes and Administrative Rules.

To contact program in writing: refer to question, "Where can I get more Information?"