Credit Alliance Group / Awful product, even worse customer server
"We provide you with exceptional customer service designed to effectively achieve your goal of becoming debt free. Creditors will stop calling. Save 40-60% off your credit card debt. Attempting to resolve a debt through settlement is looked upon more favorably than filing bankruptcy."
Sound familiar? Don't believe the hype. After enrolling in their program the volume of calls I receive from debt collectors INCREASED exponentially. My guess is creditors are beginning to become aware that these guys are full of BS. CAG will tell you to forward these calls to them, or send them the information to file a complaint with the FTC. Once you do, they send you links to the FTC and/or prompts on what to tell your creditors when they call. Essentially, you end up doing their job for them.
Their customer service is absolutely horrendous. E-mails to them frequently bounce back or go unanswered. In the rare chance that you do hear back from them, it is not for at least a week. This may be acceptable from a creditor, but not from someone who is supposed to be working for YOU. Talking to them on the phone is even worse; they treat you just like those awful credit collectors. Their disdain for your situation and concerns is clearly apparent.
Once they have a few payments, they quickly change. If you try and cancel and get your money back, they inform you of "service fees" that just happen to total the sum of your payments to them. I've worked with the following reps at CAG and all have been awful:
In the time since I've signed up for debt settlement with CAG I've received several debt settlement offers from my creditors. They mostly range from 40-60% off of my total debt. I personally negotiated one down to just under 40% and am working on the others. Debt settlement is a hot topic at the moment. Do your research online and buy a book or two at Borders. Don't pay CAG for something you can do yourself. Save yourself the headaches!