State Licenses & Registrations

Last Updated: September 1, 2026

Licensing Overview

Debt relief services are regulated at the state level. Many states require companies providing debt settlement, debt management, or debt consolidation referral services to be licensed, registered, or otherwise authorized to operate within their borders. Real Debt Help is committed to operating in compliance with all applicable state and federal regulations.

Below is a summary of our licensing and registration status by state. This information is updated regularly. If you have questions about our licensing status in your state, please contact us at licensing@realdebthelp.com or call +1 855-321-3606.

Important: You must update the table below with your actual license numbers, registration IDs, and applicable status for each state where you operate. This page is a template. Operating without required licenses in a state is a violation of state law and may result in enforcement action. Consult with your compliance attorney to ensure accuracy.

Licensing Status by State

State	License / Registration	License Number	Status
Alabama	—	—	No License Required
Arizona	Debt Management Company License	[Insert #]	Active
California	DFPI — Debt Collector License	[Insert #]	Active
Colorado	Uniform Debt-Management Services Act Registration	[Insert #]	Active
Connecticut	Dept. of Banking — Debt Negotiation License	[Insert #]	Active
Florida	OFR — Debt Settlement Registration	[Insert #]	Active
Georgia	—	—	No License Required
Illinois	DFPR — Debt Settlement Consumer Protection Act	[Insert #]	Active
Maryland	Debt Settlement Services License	[Insert #]	Active
Michigan	DIFS — Debt Management License	[Insert #]	Active
Nevada	Debt Adjuster License	[Insert #]	Active
New Jersey	Dept. of Banking — Debt Adjuster License	[Insert #]	Active
New York	DFS — Debt Settlement Prohibited*	—	Not Available
North Carolina	Debt Adjusting License	[Insert #]	Active
Ohio	Debt Adjuster Registration	[Insert #]	Active
Oregon	Debt Management Service Provider License	[Insert #]	Active
Pennsylvania	Dept. of Banking — Debt Settlement License	[Insert #]	Active
Texas	SOS — Debt Management Registration	[Insert #]	Active
Virginia	SCC — Debt Settlement Services Registration	[Insert #]	Active
Washington	DFI — Debt Adjuster License	[Insert #]	Active

* Certain states restrict or prohibit for-profit debt settlement services. We do not offer services in states where we are not properly licensed or where services are prohibited. If your state is not listed, contact us to confirm service availability. This table is not exhaustive and is updated periodically. License types and requirements vary by state and may change. Verify our current status by contacting the applicable state regulatory agency directly.

States Where We Do Not Operate

Due to state regulations that restrict or prohibit for-profit debt settlement services, we may not offer certain services in all states. States that currently restrict services include (but may not be limited to):

States where for-profit debt settlement is prohibited by law
States where we have not yet obtained required licensing

If you are unsure whether we provide services in your state, please call us at +1 855-321-3606 or email licensing@realdebthelp.com.

Regulatory Agencies

State regulators oversee debt relief companies to protect consumers. If you have a complaint or wish to verify our licensing status, you may contact the relevant state regulatory agency directly. Common agencies include:

California: Department of Financial Protection and Innovation (DFPI) — dfpi.ca.gov
Florida: Office of Financial Regulation (OFR) — flofr.gov
Illinois: Department of Financial and Professional Regulation — idfpr.illinois.gov
Texas: Secretary of State — sos.state.tx.us
Federal: Consumer Financial Protection Bureau (CFPB) — consumerfinance.gov
Federal: Federal Trade Commission (FTC) — consumer.ftc.gov

Industry Affiliations

Real Debt Help maintains membership and/or accreditation with the following industry organizations:

IAPDA — International Association of Professional Debt Arbitrators
BBB — Better Business Bureau (A+ Rating)

Memberships and ratings are current as of the date shown above and are subject to change. Verify current status directly with the issuing organization.

FTC Telemarketing Sales Rule Compliance

Real Debt Help complies with the Federal Trade Commission's Telemarketing Sales Rule (TSR), 16 CFR Part 310, which governs the provision and marketing of debt relief services. In accordance with the TSR:

We do not charge advance fees before settling a debt.
We provide required disclosures about our services, including credit impact, risks, fees, and timeline, before enrollment.
We do not misrepresent the amount of savings, the time required, or the results of our services.
We comply with all applicable provisions regarding dedicated accounts, fee structures, and consumer rights.

For the full text of the Telemarketing Sales Rule, visit the Electronic Code of Federal Regulations. For FTC guidance on debt relief services, visit the FTC's business guide.

Contact — Licensing Inquiries

For questions about our licensing, registrations, or regulatory compliance:

Real Debt Help — Licensing & Compliance
Phone: +1 855-321-3606
Email: licensing@realdebthelp.com

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