Consumers Alliance - Reviewed & Compared


Consumer Alliance Processiong Corporation is a debt relief company that helps people with debt settlement and debt management. They have been operating out of southern california for over 15 years.

They focus on helping people with unsecured debt. That means debt that is not backed by an asset like a house or a car. This is typically credit card debt or personal loans.

Company Overview

CAPC is a debt relief company, founded on the principal of helping struggling individuals and families overcome their financial hardship by helping them take control of their debt and establishing a plan to become debt free. CAPC is dedicated to offering financial education and support to our clients as strive toward financial freedom.

Consumers Alliance Processing Corporation was founded in 2004 by President JoAnn Niffenegger. JoAnn at one time found herself deep in debt and struggled to keep up with minimum payments. After enrolling in a debt management plan, JoAnn understood the importance of responsible finance and vowed to help others achieve a debt-free lifestyle.

MORE: Talk to a credit counselor at Consumers Alliance


Debt Management - A debt management plan, also referred to as a DMP is a debt relief program that is customized to fit your needs with the help of a credit counselor.

Their certified credit counselors negotiate lower interest rates with your creditors and consolidate your debts into one low monthly payment. Enrolling in DMP can save you thousands on interests and can help you get out of debt significantly faster. Just a quick call with a credit counselor will provide you with an estimated plan detailing your future savings and length of time in a debt management program.

Debt Consolidation Loan - Making multiple payments every month to multiple creditors can get overwhelming, and easy to miss due dates. One late payment can turn into multiple late payments, and your debt never seems to go down. A debt consolidation loan seems like a great solution to pay off all your creditors, and only have to make a single monthly payment to your loan provider. However, taking out more debt to pay off existing debt can be more costly in the long run.

Debt Settlement - Debt settlement programs are helpful for anyone struggling with overwhelming debt and in need of a more affordable monthly payment. Settlement programs allow debtors to negotiate away a large portion of their debts. Depending on your financial situation, how much debt you are struggling with, and your current goals, some programs are a better choice than others (more/less aggressive)... we focus on providing all the pros and cons of each program to each client, and let you decide what is most suitable.

Credit Counseling - Consumers Alliance Processing Corporation offers free credit counseling or debt counseling services. Their certified credit counselors will go over your finances, income, expenses, and conduct a free debt analysis. Thier credit counselors will recommend a debt relief solution that is based on your personal needs. This free analysis will also include an estimate of your potential savings and estimate of how long it will take to become debt free.

Our Final Verdict: 9.6/10

Consumers Alliance has a long track record of helping people get out of debt. They have been doing it for over 15 years now and they have helped tens of thousands of people get back on track. They are a solid choice for anybody that is struggling with debt.