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Consumers Alliance Processing Corporation Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
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Consumers Alliance Processing Corporation is a debt relief company that offers debt management programs and free credit counseling services to customers struggling with unsecured debt.

The company has been in service since 2004 and has helped over 80,000 clients with $600 million in paid debts.
 
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How is Consumers Alliance Processing Corporation rated?

Breakdown

4.5/5
Reputation
4.5/5
Qualification
4.9/5
Pricing & Fees
4.5/5
Services

Overall Rating: 4.6 / 5 (Excellent)

CAPC is a great option for customers who are struggling to control their debt.

Their consultation services are available for free and are helpful for anyone who wants to inform themselves of their debt relief options.

Their website is informative and easy to navigate, offering various useful resources such as informative videos, budget worksheets, and a finance and credit card calculator.

Consumers Alliance Processing Corporation Services

Services - 4.5 / 5

CAPC offers debt relief solutions through their consultations and programs, but they are not a loan company and will not offer debt consolidation loans.

Instead, CAPC's debt management program deals directly with your creditors while you pay a negotiated monthly payment at a low interest rate. This payment is then distributed to each of your creditors, with a focus on getting the highest interest rate debt paid off first.

Since you are paying one fee to one company, essentially your debts are being "consolidated." CAPC's average timeframe for their debt management plan is 3 to 5 years, and their website says customers will save an average of 30% of their monthly payments.
Services Offered
Debt Consolidation Alternatives
Professional Consultation
Program Length
36-60 months
Additional Benefits
Online Management

Qualification

Qualification - 4.5 / 5

CAPC has no requirement to qualify for credit counseling, which means that their online and phone services are available for everyone.

However, the minimal amount of debt needed to qualify for their debt management program is $3,000. The program excludes all types of secured debts and focuses only on unsecured loans such as credit cards, medical bills and repossessions, so customers looking for debt relief from their secured loans will have to look elsewhere.
Minimum Debt Amount
$3,000
Debt Solutions For
Personal Loans
Medical Bills
Unsecured Loans
Excluded Debts: Secured debts, including car loans, mortgages, student loans and IRS debt.

Pricing: How much does Consumers Alliance Processing Corporation cost?

Pricing & Fees - 4.9 / 5

CAPC's debt management quote tool and credit counseling services are free of charge, which is great for anyone looking to inform themselves on their financial situation.

However, their debt management plan incurs an initial and a monthly fee. Because CAPC's website does not indicate the prices of these fees, here at CosnumersAdvocate.org we recommend customers to contact CAPC to inform themselves on pricing before committing to their plan.
Up-front Fees?
No

Sample Program

Estimated Program Length
36 months
Estimated Monthly Payment
$531
Estimated Savings
30%

Reputation

Reputation - 4.5 / 5

Although CAPC does not have a Trustpilot rating, it has an A+ BBB rating, and is accredited by the website.

Their positive reviews praise the professionalism, politeness, and objectiveness of CAPC's representatives, and the consumer's overall satisfactory experience.

However, the company has a small number of negative reviews that mention the difficulty in canceling the company's debt management agreement.

Company Details

Year Founded
2004
Number of Accounts Settled
80,000
Amount of Debt Settled
$600,000,000

Online Reviews

BBB Rating
A+
Number of BBB Positive Reviews
20
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
4
Date Collected
2018-07-09

Contact & Additional Information

Homepage URL
https://credithelp.caprocessing.com/
Headquarters Address
1935 Camino Vida Roble, Suite 150, Carlsbad, CA, 92008
Mailing Address
PO Box 131480, Carlsbad, CA, 92013
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  • Fast and easy application process
  • No upfront fees
  • One-on-one evaluation with a debt coach
  • Become debt-free in 24 to 48 months
  • For people with $7,500 in unsecured debts and up
  • Rated A+ by Better Business Bureau
  • AFCC Accredited
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