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State Licenses & Registrations

Licensing and registration information for each state we serve

 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. Federal 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@federaldebthelp.com or call 1-800-332-8477.

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
ArizonaDebt Management Company License[Insert #]Active
CaliforniaDFPI — Debt Collector License[Insert #]Active
ColoradoUniform Debt-Management Services Act Registration[Insert #]Active
ConnecticutDept. of Banking — Debt Negotiation License[Insert #]Active
FloridaOFR — Debt Settlement Registration[Insert #]Active
Georgia——No License Required
IllinoisDFPR — Debt Settlement Consumer Protection Act[Insert #]Active
MarylandDebt Settlement Services License[Insert #]Active
MichiganDIFS — Debt Management License[Insert #]Active
NevadaDebt Adjuster License[Insert #]Active
New JerseyDept. of Banking — Debt Adjuster License[Insert #]Active
New YorkDFS — Debt Settlement Prohibited*—Not Available
North CarolinaDebt Adjusting License[Insert #]Active
OhioDebt Adjuster Registration[Insert #]Active
OregonDebt Management Service Provider License[Insert #]Active
PennsylvaniaDept. of Banking — Debt Settlement License[Insert #]Active
TexasSOS — Debt Management Registration[Insert #]Active
VirginiaSCC — Debt Settlement Services Registration[Insert #]Active
WashingtonDFI — 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 1-800-332-8477 or email licensing@federaldebthelp.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:

Industry Affiliations

Federal 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

Federal 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:

Federal Debt Help — Licensing & Compliance
123 Business Center Drive, Suite 400
City, ST 00000
Phone: 1-800-332-8477
Email: licensing@federaldebthelp.com

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