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GET OUT OF DEBT WITH NO REGRET

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Privacy Statement for Credit Advisors

Every effort (physical, electronic and procedural safeguards) is made to ensure that your financial information is kept confidential and secure. All Credit Advisors employees are strictly held to the standards outlined in their confidentiality policy, which include appropriate and disciplinary action for knowingly or unknowingly revealing information of a confidential nature. Clients can expect that all of their business information will be kept absolutely confidential and secure from threats or unauthorized access. We do not release nonpublic individual information about our clients or former clients to anyone, except as permitted by law without your permission. Credit Advisors has created this privacy statement in order to demonstrate our commitment to privacy. The following discloses our information gathering and dissemination practices:

Security:

Our site has security measures in place to protect against the loss, misuse, and alteration of the information under our control. Credit Advisors will take the necessary precautions to ensure your confidential information is secure, confidential and protected from unauthorized access or any other threats. We utilize SSL on all forms for your protection. SSL or Secured Sockets Layer is a protocol that supplies secure data communication through data encryption and decryption. SSL guarantees you that your information is being transmitted with the industry standard security. This is the same level of security that many banks and eCommerce sites utilize.

We Take Privacy Seriously....

Information Logged

We may compile data and information we receive from you; however, we do not release this information in a manner allowing for personal identification of the contributors. We use your IP address to help diagnose problems with our server and to administer our Web site.

Registration Forms

Our forms require users to give us contact information (like their name, email, and postal address), financial information (like their bank account or credit card numbers), and demographic information (like their zip code, age, or income level). Contact information from the forms is used to respond to inquiries, provide information about our company, to create personalized debt management plans, and to assist you in making payments. Your contact information is also used to get in touch with you when necessary. We may disclose some or all of the information that we collect to creditors, related financial institutions or third parties that you have authorized who need this information in order for us to assist you after a counseling session and/or in order to put you on a debt management program.

We may also collect or disclose personal information you provide or authorize such as surveys or other forms, transactions with us, creditors or others, and information received from credit reporting agencies, such as credit history.

External Links and Public Forums

Our website contains links to other sites. Our site makes chat rooms, forums, message boards, and/or news groups available to its users. Credit Advisors is not responsible for the privacy practices or the content of such Web sites. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

Data Quality / Access

We restrict access to nonpublic personal information about you to employees on a need to know basis in order to provide appropriate services. Our website gives users the following options for changing or modifying information previously provided:

  • You can send email to info@creditadvisors.com
  • You can send a letter to Credit Advisors at:
         1850 S. 72nd St.
         Omaha, NE 68124
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Credit Advisors has been offering debt consolidation programs longer than anyone else. Our certified debt counselors can help you with credit card debt relief, credit card consolidation, consumer credit counseling, bankruptcy certification, bankruptcy questions and all other kinds of help with debt. If you want to get out of debt and have been considering debt settlement, credit management, debt management, credit repair, bankruptcy or consolidation, we provide the best debt counseling and steer you toward a plan that is in your best interest. We are not a loan company, debt settlement company or credit repair organization. We provide credit counseling and plans that work to get you on the road to debt free living.

Credit Advisors Incorporated is licensed to provide debt management plans in the states of Arizona, Colorado, Iowa, Indiana, Kentucky, Michigan, Nebraska, Oregon, and South Carolina.  They are approved or otherwise compliant in Alaska, Florida, Missouri, Ohio, Texas, and Washington.

Credit Advisor logo 4

Credit Advisors has been offering debt consolidation programs longer than anyone else. Our certified debt counselors can help you with credit card debt relief, credit card consolidation, consumer credit counseling, bankruptcy certification, bankruptcy questions and all other kinds of help with debt. If you want to get out of debt and have been considering debt settlement, credit management, debt management, credit repair, bankruptcy or consolidation, we provide the best debt counseling and steer you toward a plan that is in your best interest. We are not a loan company, debt settlement company or credit repair organization. We provide credit counseling and plans that work to get you on the road to debt free living.

Credit Advisors Incorporated is licensed to provide debt management plans in the states of Arizona, Colorado, Iowa, Indiana, Kentucky, Michigan, Nebraska, Oregon, and South Carolina.  They are approved or otherwise compliant in Alaska, Florida, Missouri, Ohio, Texas, and Washington.

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Michigan license number:   DM-0016282 Available to the public and licensed in Michigan.

Section 13(1)  When a licensee establishes a debt management plan for a debtor, the licensee may charge and receive an initial fee of $50.00

Section 13(2)  A licensee shall attempt to obtain consent to participate in a debt management plan from at least 51%, in number or dollar amount, of the debtor’s creditors within 90 days after establishing the debt management plan. If the required consent is not actually received by the licensee, the licensee shall provide notice to the debtor of the lack of required consent and the debtor may, at its option, close the account. If the debtor decides to close the account, any unexpended funds shall be returned to the debtor or disbursed as directed by the debtor.

Sec. 14. (1) A contract between a licensee and debtor shall include all of the following:

(a) Each creditor to which payments will be made and the amount owed each creditor. A licensee may rely on records of the debtor and other information available to it to determine the amount owed to a creditor.

(b) The total amount of the licensee’s charges.

(c) The beginning and termination dates of the contract.

(d) The principal amount and approximate interest charges of the debtor’s obligations to be paid under the debt management plan.

(e) The name and address of the licensee and of the debtor.

(f) Any other provisions or disclosures that the director determines are necessary for the protection of the debtor and the proper conduct of business by a licensee.

Sec. 18. (1) In addition to the fee described in section 13(1), a licensee may charge a reasonable fee for providing debt management services under a debt management plan. The fee under this subsection shall not exceed 15% of the amount of the debt to be liquidated during the express term of the plan.

(2) A licensee may offer a debtor the option to purchase credit reports or educational materials and products, and charge a fee to the debtor if the debtor elects to purchase any of those items from the licensee.  Fees charged under this subsection are not subject to the 15% limitation on fees described in subsection (1).

(3) Except for a cancellation described in subsection (4), in the event of cancellation of or default in the performance of the contract by the debtor before its successful completion, a licensee may collect $25.00 in addition to any fees and charges of the licensee previously received by the licensee. This $25.00 fee is not subject to the 15% limitation on fees and charges under subsection (1).

(4) A contract is in effect when it is signed by the licensee and the debtor and the debtor has made a payment of any amount to the licensee. The debtor has the right to cancel the contract until 12 midnight of the third business day after the first day the contract is in effect by delivering written notice of cancellation to the licensee. A cancellation described in this section is not subject to, and a licensee shall not collect, the fee described in subsection (3).

(5) If a debtor fails to make a payment of any amount to a licensee within 60 days after the date a payment is due under a contract, the licensee may, in its discretion, cancel the debt management contract if it determines that the plan is no longer suitable for the debtor, the debtor fails to affirmatively communicate to the licensee the debtor’s desire to continue the plan, or the creditors of the debtor refuse to continue accepting payments under the plan.

(6) A licensee shall not contract for, receive, or charge a debtor an amount greater than authorized by this act. A person that violates this subsection, except as the result of an inadvertent clerical or computer error, shall return to the debtor the amount of the payments received from or on behalf of the debtor and not distributed to creditors, and, as a penalty, an amount equal to the amount overcharged.

530 W Allegan Street, 7th Floor
Lansing, MI  48909-7720
877-999-6442

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