# Debt Relief advertising — Airtime Media
Page: https://myairtime.net/industries/debt-relief
Sources reviewed: 2026-10-17

Debt-relief commercials should explain the advertiser's actual service and invite a review without promising a fixed reduction or guaranteed settlement. Calls go directly to the client's team, and its own web responses are shared in real time.

## Jurisdiction
United States FTC telemarketing rules for covered services; state debt-adjusting rules may also apply.
## Local rules
The FTC Telemarketing Sales Rule covers many inbound responses to TV, radio and internet debt-relief ads. Covered for-profit telemarketed services cannot collect a fee until at least one debt is resolved, the consumer agrees to the result and makes a payment under that agreement. Confirm the rule's full conditions, exemptions and applicable state licensing; do not hide creditor refusal, credit effects or material risks.
## Timing
There is no fixed national settlement period or debt-relief enrollment season. A consumer's creditors, balances and circumstances affect the process. Plan against intake capacity and actual review steps, not an invented countdown or a promise that debts will be resolved in a set number of days.

Airtime Media has run direct-response campaigns since 1984. Today's channel mix includes radio, broadcast and cable TV, OTT / streaming TV and social media. Calls ring directly to the client's chosen line; the client's own web leads are shared in real time, never resold. Tested commercials means previously aired creative, not guaranteed results. Pricing is set during the discovery call.

General campaign-planning information, not legal, medical, tax or investment advice. State examples do not apply nationwide. Confirm current requirements and offer-specific deadlines with your compliance team before airing.

## Sources
- FTC — Debt Relief Services and the Telemarketing Sales Rule: https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business
- CFPB — Understanding debt relief programs: https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-relief-program-and-how-do-i-know-if-i-should-use-one-en-1457/