The Federal Trade Commission (FTC) is mailing refunds to victims of a scam operated by a number of defendants doing business under the name of Payless Solutions. Payless Solutions used illegal robocalls to lure unsuspecting victims of their scam into paying between $300 and$4,999 for worthless credit card interest reduction programs,which did nothing for the consumers.  The FTC shut down the scam and  is now mailing refunds to victims of the scam.  For more information about this particular refund program check out the “FTC Scam Refunds” tab in the middle of the first page of You also can find information there about the mailing of the refund checks.  There is no cost or fee to file a claim or get a refund.  Anyone who tells you differently is trying to scam you.


It is important to remember that commercial robocalls are illegal so anyone calling you with an offer such as that of Payless Solutions is breaking the law and should not be trusted.

If you need real credit counseling you can go this section of the Department of Justice’s website where it lists agencies approved to assist consumers with debt problems.    You also may consider contacting companies that are affiliated with the National Foundation for Credit Counseling at this link

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