USOBA or the United States Organization for Bankruptcy Alternatives was formed to create and advocate debt settlement and debt negotiation programs. From USOBA’s website:
With record levels of consumers filing for bankruptcy each year, the credit counseling industry under fire from the IRS, FTC, U.S. Senate and House, consumer advocates and the state legislatures, USOBA members are the last line of help before going bankrupt.
USOBA member companies are dedicated to future of the settlement industry. Most member companies will display a USOBA logo at the bottom of their webpage.