The Helping America Group settlement stems from a government enforcement action against a debt relief company that allegedly made false promises about paying off, settling, or dismissing debts and improving credit scores. Consumers who paid Helping America Group for these services may be eligible for refunds — more than $16 million was distributed in a first round, with a second round of more than $6.5 million sent to those who cashed the initial check. No proof of purchase is required to file, and the official refund administrator handles distribution directly.