CAPC Review


  • Free customized debt management program
  • Ongoing credit counseling
  • Free financial education resources
  • Debt consolidation assistance without needing to take out a debt consolidation loan
  • Free no-obligation debt analysis


  • Works exclusively with unsecured loans
  • No debt consolidation loans
  • No email address on the website or live chat for customer service

Bottom Line

Consumer Alliance Processing Corporation (CAPC) offers a range of customized debt management programs as well as ongoing financial advice to individuals who need debt relief.

Why Go With CAPC

CAPC is open to people from all income levels and backgrounds. You can feel confident that you'll get the non-judgmental help that you need no matter what your financial situation, because CAPC offers:

  • Debt management programs
  • Debt consolidation support
  • Advice on debt settlement

CAPC aims to help its users get out of debt quickly without needing to use debt settlement programs, which can leave you with a long-standing debt to the IRS and negatively affect your credit score, or having to take out yet another debt consolidation loan. Instead, CAPC helps you consolidate your debt payments without a new loan. It also negotiates with your creditors to arrange lower interest rates on your existing obligations, so that you can get out of debt faster without having to have difficult conversations with the people to whom you owe money.

CAPC offers comprehensive debt relief support, which extends beyond your immediate debt problems. It’s worth choosing CAPC in order to reassess your entire financial situation. As well as getting customized advice about how to deal with your debt and support in negotiating lower interest payments, CAPC helps you learn how to live debt-free. It offers ongoing credit counseling to plan a new budget, so you can live within your income as well as meeting your debt payment obligations.

There are plenty of free resources such as:

  • Financial worksheets
  • Budget templates
  • Helpful videos

What’s Offered

CAPC offers a range of debt relief solutions to people from all walks of life, no matter what your income level or background. These are the debt relief services you’ll find from CAPC:

  • Free debt analysis to examine your finances and decide how long it will take you to pay off your debt
  • Free credit counseling, which helps you plan a budget and prepare to live debt-free
  • Customized debt management plans (DMPs) to speed your way out of debt
  • Negotiation with your creditors for lower interest rates
  • Debt settlement program
  • Debt consolidation program, which replaces your multiple payments with just one single payment
  • Free financial education workbook, budget worksheets, and other financial management resources
  • Finance calculator
  • Objective, non-judgmental debt relief advice
  • Fast customer service over the phone or through email


CAPC’s strongest draw is that it stays with you all the way along your journey out of debt. CAPC’s licensed advisors help you plan a budget, understand your financial choices, and live within your means once you pay off your debt. CAPC also offers a strong debt management program that includes debt consolidation without needing to take out another debt consolidation loan. You’ll get full personal support in planning the best way to pay off your debt. CAPC also negotiates lower interest rates on your behalf to make it easier to get out of debt.

  • Ongoing credit counseling
  • Customized debt management program
  • Negotiates lower interest rates on your behalf

Types of Debt Covered

CAPC only deals with unsecured debt, such as:

  • Credit card debt
  • Personal loans
  • Department store card debt
  • Medical bills

You can’t get a debt management program for secured debt like:

  • Mortgages
  • Auto loans
  • Student loans
  • IRS debt

However, you can get overall credit counseling and advice on developing better spending habits that take all of your debt, even secured debt, into account.

Site Security

We found it a little concerning that CAPC doesn’t have a privacy policy or any declaration about how it uses your details, so there’s no guarantee that your details won’t be sold to a third party or stored in a way that isn’t secure. You won’t find any security seal on the CAPC website, although the application form does use HTTPS security and existing clients can access a secure client account area.

CAPC is a fully licensed and registered company. It has an A+ rating from the Better Business Bureau, is BSI registered, and a member of the Financial Counseling Association of America. It’s also got plenty of happy client reviews.

Help & Support

CAPC provides an impressive level of free support. Debt analysis and ongoing credit counseling are both free of charge and offered over the phone through a toll-free number. There’s also a web form to request a quote and a range of online resources for self-education.

Existing clients can log in to their client account to send a direct message, or use the separate toll-free phone line. CAPC has consistently high approval ratings for its customer service, with customers appreciating the speed of its response as well as the patience, kindness, and objectivity of the customer service representatives.

Physical Address

1935 Camino Vida Roble, Suite 150

Carlsbad, CA


Contact Details

You can call CAPC from 7am to 5pm PT, Monday to Friday, and from 9am to 4pm PT on Sundays. Existing clients have a separate toll-free support line. There’s no email address or online web form, but you can get in touch at the above mailing address and find CAPC on Facebook, YouTube, Instagram, Google Plus, and Twitter.


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