It's hard to describe the amazing feeling I experienced when on July 6th, 2009 I got an E-mail from Client Relations at Credit Alliance Group saying in bold letters that I had completed the program. My last account had been settled - amazing. I signed my contract with CAG on May 31, 2006. 2009.
The representative estimated that it would take three years to work through the program and he was right. I feel stronger, I feel lighter, I even feel taller - hard to describe the exactly how I feel - great, I'd say. My deepest thanks to everyone at CAG. Your service was utterly professional, always responsive and personal.
I can't say that it was easy, but with you shepherding me through a complex and stressful process, I always felt that it was the right thing to do. To everyone enrolled in the program, I say, "stick with it". To those thinking of enrolling, I say, "do it!" It works. Thank You All - Danny B.
Dear CreditAllianceGroup: This is merely a short message to let you know how very accomodating, deligent, and hard working two of your employees are (K.Synder & C. Whitley). They both are very much appreciated, and are truly assets to your organization. Thank you for having them aboard your staff. Sincerely. - Chris S.
Dear CreditAllianceGroup: I wanted to say Thank you so much for your helping me clear up and resolve my credit card and other outstanding debt. Your help saved me untold amounts of money in additional interest and late fees, easily adding up to over $16,000. Your staff was friendly and helpful and settled my credit card debt for less than I thought possible. Resolving and paying the settlements, that CAG negotiated on my behalf was easy and fast. My credit score has improved dramatically since the settlements were paid. Thanks again! - Dale S (Dallas, TX)
Hello Mr. Garner. This is just a short note to let you know that Ms. Green is doing an exceptional job in handling our account with CAG, Inc. We sincerelly appreciate the fact that you continue to strive to hire, and maintain such superior staff as Ms. Green. Thank you! Best regards. - C. Stanley (Hendersonville, NC)
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CreditAllianceGroup has been leading the way in the debt management industry since day one, and we have the tools and knowledge to help you achieve your goals. We make becoming debt free as easy and painless as possible. Our award winning staff of professional credit specialists will guide you throughout the whole process as they help you decide the best route to becoming debt free again.
It's time to speak with a CreditAllianceGroup credit specialist that will provide you with the help and support essential to having a lifestyle that you deserve. |
CreditAllianceGroup works on your behalf, not the creditors. Our team of experts are certified debt specialist through The International Association of Professional Debt Arbitrators.. With years of experience in the consumer credit debt relief industry, CreditAllianceGroup will help you work through these tough times until you become financially free.
We negotiate with your creditors for reduced debt settlements . Your unsecured debt will be negotiated for you by a team of debt settlement professionals. Settlements range from 20%-80% and you can generally get it done in less than 3-4 years. Individual results may vary.
We will provide you with one low, affordable monthly payment. Personal credit card debt settlement is not a Consumer Credit Counseling Service or a consolidation loan. Credit card debt settlement is a legitimate and legal way of solving your debt and credit problems without the need for bankruptcy.
As your representative, CreditAllianceGroup will contact your creditors. We will immediately contact each of your creditors (unsecured debt) to inform them that we represent you and your desire in settling the debt with them. Reaching a settlement usually only takes a few phone calls and correspondence.
Once your debt is paid, its eliminated forever. When a settlement is reached (and agreed to by you), we will secure the settlement offer in writing from the creditor and facilitate the payment. Once the creditor receives the negotiated payment in full, you are free and clear of that debt. We will persistently continue to negotiate all of your debts until all of your debts have been eliminated in the program within 12-36 months.
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What is a debt management program?
A debt management program is a mutual agreement between you and CreditAllianceGroup. Simply put, you agree to repay your unsecured debts in full over time, without taking on any more debt. In return, most creditors will agree to significantly reduce your interest charges and waive any late fees.
Even though debt management programs are often referred to as "debt consolidation," there is a difference. While debt management programs consolidate your monthly payments into one, easy payment, they are NOT debt consolidation loans.
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Pros |
Cons |
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| Debt Management Program |
Potential to save up to 57% on your monthly payments. |
May not take on any additional debt while on the program. |
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One consolidated payment for your unsecured debts. |
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Benefits typically begin after 3 timely payments. |
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| Debt Consolidation Loans |
Consolidates your debts. |
Requires a significant amount of home equity |
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Will not negatively impact your credit. |
Could put your home and other secured debt at risk |
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One consolidated payment. |
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| Debt Settlement |
Reduces the total amount you owe to your creditors. |
Negatively impacts credit. |
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May get you out of debt quicker than other programs. |
Creditors may continue to harass you by telephone. |
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| Bankruptcy |
Most debts are eliminated or restructured under court protection. |
Will negatively impact your credit and limit credit access for up to 10 years. |
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Key assets can be protected. |
Could require you to sell or liquidate unprotected assets. |
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Relatively quick solution. |
Requires an attorney and may stay on your credit report for up to 10 years. |
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| Self-Help Options |
Could save on some fees or costs common to other debt relief programs. |
Not likely to provide the same benefits as a creditor-recognized debt solution. |
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May reduce your total amount of debt owed. |
Can be extremely time-consuming. |
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Will not negatively impact your credit |
Does not consolidate debt into one monthly payment. |
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What are the fees for your service, and when are they due?
We offer a free consultation. If you participate in our Debt Settlement Program, fees will be assessed according to the amount of your debt. We work with you to provide a manageable payment schedule. During your free consultation, a Credit Specialist will provide you detailed information on both services and fees. Most clients are able to reduce their debt 20-80%! As results vary based on each persons circumstances.
What happens to my creditors while I am on the program?
When you enroll into our Basic, Pro, or Elite Edition programs we will contact your creditors each month and update them on your progress. We also give each creditor an updated projected payment date that they can expect to receive their lump sum settlement. Once enough money is accumulated, CreditAllianceGroupT will negotiate with the creditor's one at a time and send the client a confirmation letter from the creditor stating they accept the proposed settlement as "paid or having been settled in full, with zero balances.
How long will it take to settle my debts?
The time required to settle your debt depends upon your situation. One of our Credit Specialists can provide you an estimate during your free consultation. Most clients are able to settle all their debts within 6 to 36 months.
How do I file a complaint against a creditor that continues to harass?
This is against the law and you can formally complain to the FTC should this continue. To file a complaint visit our web page at http://www.CreditAllianceGroup.net and select the relief options tab and click on the Federal Trade Commission "Consumer Complaint Form" link.
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Sales & Consequences
