A Debt Relief Agency
In 2005, the Bankruptcy Reform Act was passed and signed into law. In this law Congress placed the Chapter 7 discharge out of the reach of many people. This law attempts to use mortgage debt to force owners of failed small businesses Chapter 13. Chapter 13 is a bankruptcy that requires monthly payments and lasts 5 years.
One provision of this law was that bankruptcy lawyers, who are the only effective defenders of the poor against usurious credit card lenders, must now refer to themselves as "Debt Relief Agencies."
Therefore, in order to comply with this law, Charles Chesnutt hereby states that he is a "Debt Relief Agency."
A debt relief agency is a lawyer that creditors do not wish debtors to contact.