Ask Doctor Debt was created by the ACA International Education Foundation to provide free and unbiased answers to consumers' debt questions. You can always be assured that no personal information is ever collected on this site and that users' privacy will never be compromised. ASK Dr. DEBT is a service of ACA International.  Attorney Richard R Hubbard is a member of ACA International. Attorney Hubbard is not responsible for any content contained in ASK DR DEBT.  Clicking on the link will navigate you away from Attorney Richard Hubbard's site, and into that of ACA International.