<p>/PRNewswire/ -- 隨着美國消費者面臨歷史性高水平的個人債務，合格且經過適當培訓的債務和解專業人士的需求從未如此迫切。平均每位美國人揹負超過 90,000 美元的總債務，包括信用卡、汽車貸款、學生貸款和其他義務，數百萬消費者轉向債務和解公司，尋求重返財務穩定的途徑。</p>
<p>行業領導者強調，債務和解項目的有效性和誠信在很大程度上依賴於直接與消費者合作的個人。因此，IAPDA 認證已成為債務和解行業專業性、合規性和消費者保護的重要基準。</p>
<p>“債務和解代理人通常在消費者生活中最緊張的時期與他們合作，” IAPDA 的所有者兼執行董事 Renauld Smith 表示。“認證確保代理人經過適當培訓，能夠提供準確的信息，遵循監管要求，並負責任地引導消費者完成這一過程。”</p>
<p>IAPDA 認證的代理人接受聯邦和州法規、倫理標準、文檔化的消費者授權以及清晰、一致的溝通培訓。對於消費者而言，這種培訓轉化為透明度、現實的期望和更少的誤解。經過適當培訓的代理人幫助消費者理解債務和解的運作方式、現實的結果以及如何避免未來的財務困境——這些都是減少投訴和改善長期財務結果的關鍵因素。</p>
<p>認證還通過在公司內部創造一致性來使債務和解公司受益。要求 IAPDA 認證的公司在與債權人和催收機構的信譽上有所提升，合規風險降低，賬户解決效率提高。在監管審查日益嚴格的環境中，認證展示了對問責制和以消費者為先的做法的明確承諾。</p>
<p>“行業正在發展，監管機構的關注也在加大，” Smith 補充道。“認證不再是可選的，它正成為基本的期望。”</p>
<p>這一期望已經在州級執法中得到了體現。特拉華州、肯塔基州、明尼蘇達州、內華達州、羅德島州、田納西州、德克薩斯州、猶他州和維吉尼亞州的檢察長現在要求債務和解代理人必須獲得認證才能合法運營。這些規定強化了代理人認證不僅僅是最佳實踐，而是旨在保護消費者的新興法律標準。如果在消費者所在州目前不要求認證，意識至關重要。IAPDA 鼓勵消費者、公司和利益相關者與他們所在州的檢察長分享這些信息，以便更好地保護他們的選民。</p>
<p>隨着全國範圍內債務挑戰的持續，IAPDA 認證在增強消費者、債務和解公司、債權人和監管機構之間的信任方面發揮着至關重要的作用。通過確保代理人符合一致的、被認可的標準，行業能夠提供更好的結果，減少不必要的爭議和訴訟，並幫助消費者以清晰、尊嚴和信心度過債務解決過程。</p>
<hr/>
<p><strong>關於 IAPDA</strong></p>
<p>國際專業債務仲裁協會（IAPDA）是一個非營利性貿易協會，致力於促進債務和解行業的倫理標準、教育和專業性。IAPDA 提供代理人認證、消費者教育框架和旨在保護消費者並支持負責任的債務減免實踐的行業標準。</p>
<p><strong>聯繫信息</strong></p>
<p>國際專業債務仲裁協會（IAPDA）</p>
<p>網站：https://www.iapda.org</p>
<p>電子郵件：[email protected]</p>
<p>來源：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 認證在債務和解行業中變得至關重要，因為美國消費者面臨着高額的個人債務。平均債務超過 90,000 美元，合格的債務和解專業人士的需求非常迫切。認證確保代理商接受有關法規和道德標準的培訓，從而提高消費者的信任和結果。目前，多個州已要求合法運營必須持有認證，突顯了其在保護消費者方面的重要性。IAPDA 旨在加強消費者、公司和監管機構之間的信任，促進更好的債務解決實踐</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/ -- 隨着美國消費者面臨歷史性高水平的個人債務，合格且經過適當培訓的債務和解專業人士的需求從未如此迫切。平均每位美國人揹負超過 90,000 美元的總債務，包括信用卡、汽車貸款、學生貸款和其他義務，數百萬消費者轉向債務和解公司，尋求重返財務穩定的途徑。</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>行業領導者強調，債務和解項目的有效性和誠信在很大程度上依賴於直接與消費者合作的個人。因此，IAPDA 認證已成為債務和解行業專業性、合規性和消費者保護的重要基準。</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>“債務和解代理人通常在消費者生活中最緊張的時期與他們合作，” IAPDA 的所有者兼執行董事 Renauld Smith 表示。“認證確保代理人經過適當培訓，能夠提供準確的信息，遵循監管要求，並負責任地引導消費者完成這一過程。”</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 認證的代理人接受聯邦和州法規、倫理標準、文檔化的消費者授權以及清晰、一致的溝通培訓。對於消費者而言，這種培訓轉化為透明度、現實的期望和更少的誤解。經過適當培訓的代理人幫助消費者理解債務和解的運作方式、現實的結果以及如何避免未來的財務困境——這些都是減少投訴和改善長期財務結果的關鍵因素。</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>認證還通過在公司內部創造一致性來使債務和解公司受益。要求 IAPDA 認證的公司在與債權人和催收機構的信譽上有所提升，合規風險降低，賬户解決效率提高。在監管審查日益嚴格的環境中，認證展示了對問責制和以消費者為先的做法的明確承諾。</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>“行業正在發展，監管機構的關注也在加大，” Smith 補充道。“認證不再是可選的，它正成為基本的期望。”</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>這一期望已經在州級執法中得到了體現。特拉華州、肯塔基州、明尼蘇達州、內華達州、羅德島州、田納西州、德克薩斯州、猶他州和維吉尼亞州的檢察長現在要求債務和解代理人必須獲得認證才能合法運營。這些規定強化了代理人認證不僅僅是最佳實踐，而是旨在保護消費者的新興法律標準。如果在消費者所在州目前不要求認證，意識至關重要。IAPDA 鼓勵消費者、公司和利益相關者與他們所在州的檢察長分享這些信息，以便更好地保護他們的選民。</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>隨着全國範圍內債務挑戰的持續，IAPDA 認證在增強消費者、債務和解公司、債權人和監管機構之間的信任方面發揮着至關重要的作用。通過確保代理人符合一致的、被認可的標準，行業能夠提供更好的結果，減少不必要的爭議和訴訟，並幫助消費者以清晰、尊嚴和信心度過債務解決過程。</p>
</div><hr/>
<div class="lb-trans"><hr/>
</div><p><strong>About IAPDA</strong></p>
<div class="lb-trans"><p><strong>關於 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>國際專業債務仲裁協會（IAPDA）是一個非營利性貿易協會，致力於促進債務和解行業的倫理標準、教育和專業性。IAPDA 提供代理人認證、消費者教育框架和旨在保護消費者並支持負責任的債務減免實踐的行業標準。</p>
</div><p><strong>Contact Information</strong></p>
<div class="lb-trans"><p><strong>聯繫信息</strong></p>
</div><p>International Association of Professional Debt Arbitrators (IAPDA)</p>
<div class="lb-trans"><p>國際專業債務仲裁協會（IAPDA）</p>
</div><p>Website: https://www.iapda.org</p>
<div class="lb-trans"><p>網站：https://www.iapda.org</p>
</div><p>Email: [email protected]</p>
<div class="lb-trans"><p>電子郵件：[email protected]</p>
</div><p>SOURCE IAPDA</p>
<div class="lb-trans"><p>來源：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 認證在債務清算行業中嶄露頭角，成為關鍵標準