Few past years were the nastiest period for the people who lost their jobs in result of the economic or the financial crisis. In these years, people were passing from the worst economic situation as when, the recession, inflation and the extensive use of the new spending technologies i.e. the credit cards came in the industry then people suffered in the bad debt problems. To overcome this situation, government introduced the new laws which are functioning under the stringent scrutiny of it. These laws are working in interest of both parties i.e. the debtor and the creditor. After getting the information about the debt relief, options you can make their use trouble-free and can get the maximum benefits of them. As these all options are in favor of their consumers, but by introducing the debt settlement consumer protection act federal government played its role in giving the consumer a good option for debt relief.The rules in the debt settlement consumer protection act are defined to direct the settlement companies. According to these rules no settlement company has right for demanding the upfront fees from their consumer. Simply, we can say that these rules are under operation in the great interest of the consumers. Now, if any company tries for the upfront fees then settlement deal can be avoided with them. The FTC rules have directed the firms for demanding the service charges after getting their consumer or the creditor in acceptable relief agreement.The consumer protection act is very useful for the consumers. After hiring the settlement firm the consumer does not need to face the threatening collection letters or the notices. Settlement firm is responsible to the creditor, therefore, they make the contact with it. Once you hire the legitimate settlement firm then you have the legal protection to avoid the letters and the notices of the collection agent of the creditor.Debt settlement is a process in which experts convert your payment in half. So, if you owe the $10,000 then you can get the 50 to 60 percent reductions in your balance in the full support of federal government.