Get The Facts

Consumer Education and Empowerment

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Buyer BEWARE...

Many companies in the debt relief and credit services industry are only out to make a profit, and they don’t always have the best interests of the consumer in mind. They may use misleading marketing practices or charge exorbitant fees for their services. In some cases, these companies can even make your financial situation worse. Knowing how these programs actually work and understanding the rules they must follow can save you from being taken advantage of. OCCAM Members are here to help.

Protect Yourself with OCCAM.

OCCAM is here to protect you from the risks of working with companies in the debt relief and credit services industry. We carefully vet every company that becomes an OCCAM member to ensure that they are reliable, transparent, and committed to ethical practices. When you work with an OCCAM member, you can trust that you are getting the best possible service and that your financial well-being is a top priority.

What Makes OCCAM Different?

OCCAM is not just another trade group or association. We are a comprehensive self-regulation model built by industry leaders and consumer advocates to protect you, the consumer. Our member companies have undergone a rigorous and comprehensive process to ensure they are operating ethically, transparently and are qualified to provide the services they offer. We hold our member companies accountable to you, the consumer, and have a zero-tolerance complaint policy. If you have a problem with an OCCAM member company, we will work to resolve it to your satisfaction.

When you choose to work with an OCCAM member, you are getting more than just a service provider. You are getting a partner that is dedicated to your financial success. Our member companies are held to a high standard of excellence and are required to adhere to a strict code of conduct. If you have any issues or complaints with an OCCAM member, we have a zero tolerance policy and will work to resolve the issue to your satisfaction.

The Benefits of Working with an OCCAM Member:

In addition to ensuring the quality and reliability of our member companies, we also advocate for consumers on a grass roots level and work with lawmakers and regulators to create a fair and safe environment for you to seek financial assistance. We believe that every consumer deserves access to transparent and trustworthy financial services, and we are committed to providing just that.


OCCAM is a truly unique organization, dedicated to upholding the highest standards of excellence and integrity in the debt relief and credit services industry. When you choose an OCCAM member company, you can trust that you are working with a credible and reliable business that has your best interests at heart.

The Future of Debt Relief and Credit Advocacy Services:

OCCAM is dedicated to ensuring that the future of the debt relief and credit services industry is one of transparency, ethical practices, and customer satisfaction. We are constantly working to improve and innovate our methods and protocols to ensure that our member companies are providing the highest quality services to their customers.


In addition to our rigorous vetting process and zero tolerance complaint policy, we also actively engage in grass roots lobbying and outreach to lawmakers and regulators. We believe that it is important for the industry to have a voice in the development of regulations and policies that affect it, and we work to advocate for the best interests of both our member companies and their customers.


We are committed to creating a future in which consumers can trust the debt relief and credit services industry and receive the help they need to improve their financial well-being. With OCCAM, you can be confident that you are working with a company that is dedicated to your satisfaction and success.