Simply stated, compliance comes first at FORTH. We operate within the FTC’s Telemarketing Sales Rule guidelines and routinely review the operating procedures, marketing materials, client agreements, sales scripts, legal actions and other materials from Debt Settlement Company (DSC) partners. In addition, the FORTH Compliance team conducts internal reviews monthly.

FORTH also carefully monitors the return rates of each account in accordance with NACHA guidelines to ensure we maintain strong banking relationships and protect the consumers that we work with.

At FORTH, we believe that the key to success in a debt relief program is effective communication—and we take our role in that communication seriously. From welcome letters and monthly statements to strict adherence to FTC and NACHA guidelines and a knowledgable customer service team, we ensure clear communication and continuous support.

By prioritizing consumer rights, Dedicated Accounts not only foster trust and reliability but also streamline the process of financial management, making it easier for consumers to navigate their debt settlement journey with confidence and peace of mind.

The FORTH platform provides an interactive Decisions Page where a DSC’s payments team can view, and manage their daily settlements. From this page settlement exceptions can easily be managed with features that include a low balance forecaster, and a real time funds advance tool.

The Decisions Page allows for real time interaction with our dedicated settlements team. Our highly trained team not only works directly with the DSC’s payments team to ensure that settlements are processed efficiently and accurately, but they maintain direct relationships with the creditors we send payments to in order to offer the highest level of support to DSC’s and our consumers.

FORTH supports a host of payment types, including Direct Pay, ACH/Check by Phone, Overnight Check, and Bank Wire.

FORTH has multiple creditors currently set up to receive Direct Pay payments and has a dedicated team that is consistently working to add more creditors to our Direct Pay program. At FORTH we are committed to expanding our Direct Pay relationships to continue to offer the most accurate and cost effective payment method for our consumers.