Exposing a $10,000,000,000 Debt Industry

A deep-dive into an industry which preys on people in debt, misleads customers, and leaves many off worse than they started. Welcome to the insane world of debt-settlement.

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Credits:

3D Artist: Ed Leszczynski @LeszczynskiEd

Video Editor: Harry Bagg @HarryRBagg

End Credits Composer: Claire Wickes @clairewritesmusic

Camera Motion TrackingMoSys Startracker

Virtual Production PlatformAximmetry

DISCLAIMER - Updated May 2025

This program operates under the rhetorically hyperbolic banner “CRIME IS LEGAL” to highlight—and satirize—our view that modern enforcement mechanisms are lax, uneven and insufficient. The slogan does not assert that illegal conduct is actually permissible; it underscores regulatory gaps and the impossibility of declaring something as illegal on a factual basis.

All content herein constitutes commentary and opinion based on investigative journalism conducted with (i) publicly available documents, (ii) interviews, and (iii) other verifiable sources. References to “scams,” “fraud,” “theft,” or related terms are made in the same rhetorically hyperbolic context of “CRIME IS LEGAL” and should not be taken as definitive findings of fact or legal conclusions. Facts, evidence, and independent analysis are used in this program to draw strongly opinionated conclusions, but it is important to draw a sharp distinction between the facts and evidence presented, and the opinions drawn based on such material.

No statement can or should be interpreted as a categorical declaration that any person has violated civil or criminal law unless a court has so ruled. Viewers are encouraged to examine the cited materials and reach their own conclusions.

Anyone featured who believes a statement is inaccurate or incomplete may contact us at our business email with supporting documentation under the SUBJECT: “CORRECTION REQUEST”. We will promptly review substantiated concerns and, where appropriate, issue corrections or updates.

Production of this program is newsgathering and public‑interest commentary protected by the First Amendment and the Texas Citizens Participation Act (TCPA).