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Consumers Alliance

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5.4

Overall Score

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LAST UPDATED: November 17th, 2023

Consumers Alliance Processing Corporation (CAPC) is a debt relief solution provider for all income levels and backgrounds. The company's counselors negotiate lower interest rates with creditors in an attempt to save customers money. Consumers Alliance offers a wide variety of different debt relief options, ensuring that customers can find a debt solution that fits their unique financial circumstances.

Founded in 2004 by JoAnn Niffenegger, CAPC is led by those who have personally benefited from debt relief services and seek to help others find the same relief.

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The Good

  • Free Debt Relief Resources
  • Debt Services
  • Client Account
  • Low Minimum Debt Requirement

Free Debt Relief Resources

Though the company’s more in-depth debt management and debt consolidation services do cost money, Consumers Alliance Processing Corporation does offer a few free services.

Free debt services and resources at CAPC include:

  • Credit counseling
  • Free debt analysis
  • Financial education
  • Budget worksheets
  • Finance calculator

Debt relief companies like Consumers Alliance are much more focused on ensuring the customer’s future financial strength without sacrificing their credit score. This type of careful financial planning requires responsible budgeting from the customers, so CAPC invests a lot in financial education services and free resources to help customers learn and grow more financially independent and make smart financial decisions.

Debt Services

Consumers Alliance Processing Corporation offers debt management, credit counseling, and debt consolidation services. These services are more hands-on and less aggressive than debt settlement. However, these approaches include benefits like lower risks and reducing negative effects on your credit score. If you choose consolidation or debt management, your debts will not be marked as settled when you pay them off unlike with debt settlement.

Customers who approach Consumers Alliance for debt management will begin by either filling out a form online or calling in to speak with a debt expert. Through the form or call, customers will give information regarding their creditors, the balance owed, your current interest rates, and the minimum monthly payment due.

Debt counseling and credit counseling at Consumers Alliance are completely free. Customers can speak with certified credit counselors to get advice on their path to financial freedom and, if desired, get advice on which debt relief strategy will work best.

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Customer Review: Sheryl R. Riles

"I have been a customer for at least 4 years and have never been more pleased with anyone’s service. I’m so thankful for their assistance in overcoming my debt. It is such a welcomed relief to be free of these debts. I will be a customer again if needed and accepted."

Client Account

Current clients of Consumers Alliance have a personal account on the company’s website. If the customer has any questions about the progress or status of their debt relief plan, he or she can log in and send a message directly to staff members.

Ease of communication is very important with a debt relief company, given the difficult financial situations that customers are trying to escape.

Those who have not yet hired Consumers Alliance have specified calling hours, which are Monday - Friday (7 am - 5 pm PST) or Sunday (9 am - 4 pm PST).

Low Minimum Debt Requirement

At $3,000, Consumers Alliance has one of the lowest minimum debt requirements in the industry. The average is around $7,500, so customers that can't work with other debt relief companies will find that Consumers Alliance is willing to help them.

Also, Consumers Alliance is available in 39 states. Customers from the following states are able to receive debt relief services from Consumers Alliance: Alaska, Arkansas, Arizona, California, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, and Wyoming.

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The Bad

  • Lack of Information

Lack of Information

Though the company does disclose its minimum debt requirement on its site, Consumers Alliance does not display its prices. Debt relief companies hardly ever post their prices online, mostly because it is so difficult to estimate an average price. The cost at Consumers Alliance will vary according to the customer’s individual financial situation.

However, it is not unrealistic for companies to post price ranges and estimates for each service for customers to view beforehand. Additionally, Consumers Alliance doesn’t disclose any setup fee or interest rates for debt consolidation.

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The Bottom Line

Consumers Alliance offers free debt counseling, great financial education resources, and operates in 39 states. Compared to other companies in the debt relief industry, Consumers Alliance does seem to care about the customer a great deal. Clients dealing with credit card debt, overdue medical bills, and more can find support from Consumers Alliance. We recommend that customers consider choosing Consumers Alliance. However, those interested in Consumers Alliance's services should contact the company directly to learn more about the cost of services.

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Star Rating

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4.4

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31 Reviews

Review Breakdown

5 grade

77%

4 grade

10%

3 grade

0%

2 grade

3%

1 grade

10%

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Andre Gossop West Warwick, RI

Everything was good with them until I decided to cancel. The customer service representative and the supervisor who identified himself as Jay were very disrespectful. They took payment from my account after I had suspended the contract pending readjustment. They continued withdrawal without discussing changes to my account with me . I was told I would get my refund within 7 days after signing a form they will mail to me. I called back one week after getting no mail and was told no signature was necessary and I just needed to wait a few more days. 15 days later after all my bill are late I called again only to be told that they have to send me a document to sign before the funds can be returned. When I asked to speak to a manager I was told they emailed me the document the previous day, which was not true, and I then got two emails, I signed the document and returned to them. I still haven’t received my refund, the document showed they’re still taking a fee from the amount they took from my account. Now I have late payments which was never even an issue before working with Consumer Alliance.

4 months ago

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Erica Bohr Cary, NC

I had a horrible experience with this debt consolidation company. They drafted the funds to start the plan, but they didn’t confirm with the company, that their plan would be approve. I ended up not being able to use the company because my creditor would not work with them. I was then told they would still make the payment to my credit company. The next day, but that didn’t happen. I had to call back multiple times to get them to use the funds they took from my account to pay my creditor. It took them 13 days to apply the payment to my account and then they ended up still charging me for the service. I ended up with their service fee that was $39 and also a late charge for my account because they made the payment late of $29. They would not do anything for me. I would not use them, recommend them. If they confirmed that the credit company would approve the plan all of this could of been avoided. If you have Amex don’t believe their lies that they will be able to work with them.

3 years ago

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Andreas Fotopulos

This company paid my debt late more than one time. They seemingly have challenges getting the payments to my creditors in a timely manner. They cannot do any rush payments when they miss their own deadlines and their people seem helpful but cannot seem to help out either. If you are searching for a debt management company, keep shopping as this company needs to go away since they are not reliable.

4 years ago