Credit Alliance Group, The Nation’s Largest Financial Services Company Specializing in Debt Negotiation, Has Hit a Major Home Run with Their Professional Edition

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"The Professional Edition combines aggressive debt management with financial educational components. Incorporating healthy fiscal habits while in the program gives them the best opportunity to lead a financially controlled life. " Shane Garner, CEO and Founder

Shane Garner CEO added. “This gives them the best opportunity to lead a financially controlled life after they complete the program.”

Credit Alliance Group, the nation’s largest financial services company specializing in debt negotiation, has hit a major home run with their Professional Edition. CAG founder and CEO, Shane Garner said that his goal has always been to help people make their desire to become debt free their reality. He believes one of the keys is developing a partnership with his clients. While he maintains a team of the top certified debt arbitrators in the business, he also gets the clients involved in the process by educating them on the do’s and don’ts of personal finances.

“I can settle their debt all day long,” Mr. Garner said, “but if they don’t learn to deal differently with their money than they did in the past, they will be headed for a repeat performance. I want to give them the tools to empower themselves with their finances."

Working in the corporate headquarters, which are located on the 58th floor, high atop the Comerica Bank Tower in Dallas, TX, Maggie Tarte, Receptionist remarked "I am moved by his passion for people. He truly cares about his clients and his staff. He knows every employee by name and his door is always open. "Having just celebrated her first anniversary with the company, Ms. Tarte went onto say how much she has learned over the past year" Mr. Garner has made sure all of us know and understand every detail of our services. When I started, I didn't really know how to read a credit report; now I can read one in my sleep!"

The Professional Edition combines aggressive debt management with financial educational components. While he has enjoyed immense success in helping thousands of people become debt free, Mr. Garner felt that something was missing. That “something” was personal finance education. "My father always told me, 'Give a man a fish and he can eat today. Teach a man to fish, and he can eat for a life time.' Partnering with Credit Services Today has been one of our best decisions," Shane Garner stated.

“The services they provide are invaluable to our customers," said Anthony Kell, Director of Enrollment Services. “Our clients are more proactive in their program. For the majority, it is much more than just making a monthly payment. It’s about learning how not to repeat their financial mistakes.“

Lucinda Ramos, Senior Manager of Credit Services Today explained their features. "First we provide Debt Validation on each enrolled account. This is a legal recourse provided to every consumer in the Fair Debt Collection Practices Act. The creditors are required to show proper documentation that the debt is indeed the clients. If they cannot provide us with that, then the debt becomes uncollectable and is removed from their credit report. It is not our intent to be dishonorable. You would be amazed at how many people have the same name or worse, they have Zombie Debt and don’t know it.”

Zombie Debt is an account that has passed the Statue of Limitations and is sold to collection agencies for pennies on the dollar. The agency then starts collection proceedings. If the consumer makes even a partial payment, it starts the clock running again. Validation can eliminate this. Also included is Daily Credit Monitoring Assistance. Clients choose which credit bureau’s they want to monitor. They are then taught to read their credit report and discern the red flags. They also learn how to dispute an item on the report they believe it to be inaccurate. The “icing on the cake” is the complimentary enrollment into http://www.Mint.com this is personal finance software that is owned by Intuit, the makers of Quicken and Turbo Tax.

“Our clients learn how to create a budget, set financial goals, and pay their bills all from one site and the privacy of their home. I want to get them to incorporate healthy fiscal habits while they are in the program," Mr. Garner added. “This gives them the best opportunity to lead a financially controlled life after they complete the program.”

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