<p>/PRNewswire/ -- 随着美国消费者面临历史性高水平的个人债务，合格且经过适当培训的债务和解专业人士的需求从未如此迫切。平均每位美国人背负超过 90,000 美元的总债务，包括信用卡、汽车贷款、学生贷款和其他义务，数百万消费者转向债务和解公司，寻求重返财务稳定的途径。</p>
<p>行业领导者强调，债务和解项目的有效性和诚信在很大程度上依赖于直接与消费者合作的个人。因此，IAPDA 认证已成为债务和解行业专业性、合规性和消费者保护的重要基准。</p>
<p>“债务和解代理人通常在消费者生活中最紧张的时期与他们合作，” IAPDA 的所有者兼执行董事 Renauld Smith 表示。“认证确保代理人经过适当培训，能够提供准确的信息，遵循监管要求，并负责任地引导消费者完成这一过程。”</p>
<p>IAPDA 认证的代理人接受联邦和州法规、伦理标准、文档化的消费者授权以及清晰、一致的沟通培训。对于消费者而言，这种培训转化为透明度、现实的期望和更少的误解。经过适当培训的代理人帮助消费者理解债务和解的运作方式、现实的结果以及如何避免未来的财务困境——这些都是减少投诉和改善长期财务结果的关键因素。</p>
<p>认证还通过在公司内部创造一致性来使债务和解公司受益。要求 IAPDA 认证的公司在与债权人和催收机构的信誉上有所提升，合规风险降低，账户解决效率提高。在监管审查日益严格的环境中，认证展示了对问责制和以消费者为先的做法的明确承诺。</p>
<p>“行业正在发展，监管机构的关注也在加大，” Smith 补充道。“认证不再是可选的，它正成为基本的期望。”</p>
<p>这一期望已经在州级执法中得到了体现。特拉华州、肯塔基州、明尼苏达州、内华达州、罗德岛州、田纳西州、德克萨斯州、犹他州和维吉尼亚州的检察长现在要求债务和解代理人必须获得认证才能合法运营。这些规定强化了代理人认证不仅仅是最佳实践，而是旨在保护消费者的新兴法律标准。如果在消费者所在州目前不要求认证，意识至关重要。IAPDA 鼓励消费者、公司和利益相关者与他们所在州的检察长分享这些信息，以便更好地保护他们的选民。</p>
<p>随着全国范围内债务挑战的持续，IAPDA 认证在增强消费者、债务和解公司、债权人和监管机构之间的信任方面发挥着至关重要的作用。通过确保代理人符合一致的、被认可的标准，行业能够提供更好的结果，减少不必要的争议和诉讼，并帮助消费者以清晰、尊严和信心度过债务解决过程。</p>
<hr/>
<p><strong>关于 IAPDA</strong></p>
<p>国际专业债务仲裁协会（IAPDA）是一个非营利性贸易协会，致力于促进债务和解行业的伦理标准、教育和专业性。IAPDA 提供代理人认证、消费者教育框架和旨在保护消费者并支持负责任的债务减免实践的行业标准。</p>
<p><strong>联系信息</strong></p>
<p>国际专业债务仲裁协会（IAPDA）</p>
<p>网站：https://www.iapda.org</p>
<p>电子邮件：[email protected]</p>
<p>来源：IAPDA</p>
<p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwMTIzJk5ld3NJdGVtSWQ9Rkw2OTg5MCZUcmFuc21pc3Npb25fSWQ9MjAyNjAxMjMxMTQyUFJfTkVXU19VU1BSX19fX19GTDY5ODkw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwMTIzJk5ld3NJdGVtSWQ9Rkw2OTg5MCZUcmFuc21pc3Npb25fSWQ9MjAyNjAxMjMxMTQyUFJfTkVXU19VU1BSX19fX19GTDY5ODkw"/></p>

<p>IAPDA 认证在债务和解行业中变得至关重要，因为美国消费者面临着高额的个人债务。平均债务超过 90,000 美元，合格的债务和解专业人士的需求非常迫切。认证确保代理商接受有关法规和道德标准的培训，从而提高消费者的信任和结果。目前，多个州已要求合法运营必须持有认证，突显了其在保护消费者方面的重要性。IAPDA 旨在加强消费者、公司和监管机构之间的信任，促进更好的债务解决实践</p>

<p>, /PRNewswire/ -- As American consumers continue to face historically high levels of personal debt, the need for qualified and properly trained debt settlement professionals has never been greater. With the average American carrying more than $90,000 in total debt, including credit cards, auto loans, student loans, and other obligations, millions of consumers turn to debt settlement companies in search of a path back to financial stability.</p>
<div class="lb-trans"><p>/PRNewswire/ -- 随着美国消费者面临历史性高水平的个人债务，合格且经过适当培训的债务和解专业人士的需求从未如此迫切。平均每位美国人背负超过 90,000 美元的总债务，包括信用卡、汽车贷款、学生贷款和其他义务，数百万消费者转向债务和解公司，寻求重返财务稳定的途径。</p>
</div><p>Industry leaders emphasize that the effectiveness and integrity of debt settlement programs depend largely on the individuals working directly with consumers. For that reason, IAPDA certification has emerged as a critical benchmark for professionalism, compliance, and consumer protection within the debt settlement industry.</p>
<div class="lb-trans"><p>行业领导者强调，债务和解项目的有效性和诚信在很大程度上依赖于直接与消费者合作的个人。因此，IAPDA 认证已成为债务和解行业专业性、合规性和消费者保护的重要基准。</p>
</div><p>&#34;Debt settlement agents often work with consumers during one of the most stressful periods of their lives,&#34; said Renauld Smith, Owner and Executive Director of IAPDA. &#34;Certification ensures agents are properly trained to provide accurate information, follow regulatory requirements, and guide consumers responsibly through the process.&#34;</p>
<div class="lb-trans"><p>“债务和解代理人通常在消费者生活中最紧张的时期与他们合作，” IAPDA 的所有者兼执行董事 Renauld Smith 表示。“认证确保代理人经过适当培训，能够提供准确的信息，遵循监管要求，并负责任地引导消费者完成这一过程。”</p>
</div><p>IAPDA-certified agents receive training in federal and state regulations, ethical standards, documented consumer authorization, and clear, consistent communication. For consumers, this training translates into transparency, realistic expectations, and fewer misunderstandings. Properly trained agents help consumers understand how debt settlement works, what outcomes are realistic, and how to avoid future financial hardship—key factors in reducing complaints and improving long-term financial outcomes.</p>
<div class="lb-trans"><p>IAPDA 认证的代理人接受联邦和州法规、伦理标准、文档化的消费者授权以及清晰、一致的沟通培训。对于消费者而言，这种培训转化为透明度、现实的期望和更少的误解。经过适当培训的代理人帮助消费者理解债务和解的运作方式、现实的结果以及如何避免未来的财务困境——这些都是减少投诉和改善长期财务结果的关键因素。</p>
</div><p>Certification also benefits debt settlement companies by creating consistency across their organizations. Companies that require IAPDA certification experience improved credibility with creditors and collection agencies, reduced compliance risk, and more efficient resolution of accounts. In an environment of increasing regulatory scrutiny, certification demonstrates a clear commitment to accountability and consumer-first practices.</p>
<div class="lb-trans"><p>认证还通过在公司内部创造一致性来使债务和解公司受益。要求 IAPDA 认证的公司在与债权人和催收机构的信誉上有所提升，合规风险降低，账户解决效率提高。在监管审查日益严格的环境中，认证展示了对问责制和以消费者为先的做法的明确承诺。</p>
</div><p>&#34;The industry is evolving, and regulators are paying closer attention,&#34; Smith added. &#34;Certification is no longer optional. It is becoming a baseline expectation.&#34;</p>
<div class="lb-trans"><p>“行业正在发展，监管机构的关注也在加大，” Smith 补充道。“认证不再是可选的，它正成为基本的期望。”</p>
</div><p>That expectation is already reflected in state-level enforcement. Attorneys general in Delaware, Kentucky, Minnesota, Nevada, Rhode Island, Tennessee, Texas, Utah, and Virginia now require debt settlement agents to be certified in order to operate legally. These mandates reinforce that agent certification is not merely a best practice, but an emerging legal standard designed to protect consumers. If certification is not currently required in a consumer's state, awareness is critical. IAPDA encourages consumers, companies, and stakeholders to help share this information with their state attorneys general so they can better protect their constituents.</p>
<div class="lb-trans"><p>这一期望已经在州级执法中得到了体现。特拉华州、肯塔基州、明尼苏达州、内华达州、罗德岛州、田纳西州、德克萨斯州、犹他州和维吉尼亚州的检察长现在要求债务和解代理人必须获得认证才能合法运营。这些规定强化了代理人认证不仅仅是最佳实践，而是旨在保护消费者的新兴法律标准。如果在消费者所在州目前不要求认证，意识至关重要。IAPDA 鼓励消费者、公司和利益相关者与他们所在州的检察长分享这些信息，以便更好地保护他们的选民。</p>
</div><p>As debt challenges continue nationwide, IAPDA certification plays a vital role in strengthening trust between consumers, debt settlement companies, creditors, and regulators. By ensuring agents meet consistent, recognized standards, the industry can deliver better outcomes, reduce unnecessary disputes and litigation, and help consumers move through debt resolution with clarity, dignity, and confidence.</p>
<div class="lb-trans"><p>随着全国范围内债务挑战的持续，IAPDA 认证在增强消费者、债务和解公司、债权人和监管机构之间的信任方面发挥着至关重要的作用。通过确保代理人符合一致的、被认可的标准，行业能够提供更好的结果，减少不必要的争议和诉讼，并帮助消费者以清晰、尊严和信心度过债务解决过程。</p>
</div><hr/>
<div class="lb-trans"><hr/>
</div><p><strong>About IAPDA</strong></p>
<div class="lb-trans"><p><strong>关于 IAPDA</strong></p>
</div><p>The International Association of Professional Debt Arbitrators (IAPDA) is a nonprofit trade association dedicated to promoting ethical standards, education, and professionalism within the debt settlement industry. IAPDA provides agent certification, consumer education frameworks, and industry standards designed to protect consumers and support responsible debt relief practices.</p>
<div class="lb-trans"><p>国际专业债务仲裁协会（IAPDA）是一个非营利性贸易协会，致力于促进债务和解行业的伦理标准、教育和专业性。IAPDA 提供代理人认证、消费者教育框架和旨在保护消费者并支持负责任的债务减免实践的行业标准。</p>
</div><p><strong>Contact Information</strong></p>
<div class="lb-trans"><p><strong>联系信息</strong></p>
</div><p>International Association of Professional Debt Arbitrators (IAPDA)</p>
<div class="lb-trans"><p>国际专业债务仲裁协会（IAPDA）</p>
</div><p>Website: https://www.iapda.org</p>
<div class="lb-trans"><p>网站：https://www.iapda.org</p>
</div><p>Email: [email protected]</p>
<div class="lb-trans"><p>电子邮件：[email protected]</p>
</div><p>SOURCE IAPDA</p>
<div class="lb-trans"><p>来源：IAPDA</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwMTIzJk5ld3NJdGVtSWQ9Rkw2OTg5MCZUcmFuc21pc3Npb25fSWQ9MjAyNjAxMjMxMTQyUFJfTkVXU19VU1BSX19fX19GTDY5ODkw" alt="" original-src="https://rt.prnewswire.com/rt.gif?NewsItemId=FL69890&amp;Transmission_Id=202601231142PR_NEWS_USPR_____FL69890&amp;DateId=20260123"/></p>

IAPDA 认证在债务清算行业中崭露头角，成为关键标准