CLG
Debt Relief
At CLG our attorney and staff have made it their professional mission to help clients find real, practical and attainable solutions to their financial hardships.
The transfer of debt is a large vibrant industry with many “players”. These include original creditors, debt-buyers, collection agencies, attorneys, debtors and more. Understanding the roles and objectives of each is critical in evaluating both the judicial and non-judicial sides of debt collection and remedies.
Our attorneys and staff make it a mission to understand the various strategies and legal defenses for dealing with financial distress and aggressive collectors.
CLG can help take the stress out of creditor collection, and be an advocate for you in dealing with creditors, both when negotiating a settlement is appropriate and when litigation is necessary.
Creditors who have overstepped can be held liable. Enforcing your rights can lead to the complete elimination of your debt, and potential economic recovery to you.
What Makes Council Law Group Different?
Reputable Law Firm
Team Oriented, Personalized Approach
Experienced
Get to Know Us
Daniel Shawn Council
Daniel Shawn Council
Daniel Shawn Council
Jeremy Evans
Daniel Shawn Council
Daniel Shawn Council
Laura Nesbitt
Daniel Shawn Council
Laura Nesbitt
Robert Adams
Antranig Garibian
Laura Nesbitt
Erik Helbing
Antranig Garibian
Antranig Garibian
Antranig Garibian
Antranig Garibian
Antranig Garibian
Chris Hite
Mathew Higbee
Mathew Higbee
Mathew Higbee
Mathew Higbee
Mathew Higbee
Robert Devine
Mathew Higbee
Robert Devine
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Committed to Your Success & Satisfaction
Council Law Group gives each of our clients 100 percent of our time and attention. You are no exception. When you hire our firm, you will get a team of experienced legal professionals working to help you fulfill your needs.
As your representative, we will stay in constant communication with you throughout your program and ensure you are always fully up to date. Get started on your case today by contacting us or calling (844) 385-5688 to set up a consultation.
Address
3900 Airport Parkway Box 2665
Addison, TX. 75001
Hours of Operation
M-F 8am-5pm CST
Email: Clients@councillaw.group
Phone: 877-754-2097
Fax: 972-777-5473
CLG does not and shall not discriminate on the basis of race, color, religion, gender, gender expression, age, national origin, disability, marital status, sexual orientation, or military status, in any of its activities or operations.
DEBT SETTLEMENT DISCLOSURES
AFCC™ Disclosure Statement
Council Law Group, PLLC (“CLG”) is a Member of the American Fair Credit Council and as such has agreed to publicly disclose the following on each of our websites and as part of our contract with consumers. Should you wish to comment on our use or avoidance of this disclosure please email info@americanfaircreditcouncil.org with your contact information and the nature of the complaint and the AFCC compliance department will assist you.
CLG provides consumers with a method of debt resolution known as Debt negotiations. Debt negotiations is an aggressive method of debt management, which depends on the negotiation of mutually agreeable settlements or resolutions between the consumers and the creditors. CLG wants you to understand both the potential benefits and pitfalls that may arise out of the Debt negotiations process and to have reasonable expectations regarding the outcome.
BY SIGNING BELOW, YOU ARE STATING CLG HAS EXPLAINED TO YOU, AND YOU UNDERSTAND ALL THE ISSUES BELOW:
- You are enrolling into a debt resolution/Debt negotiations program after voluntarily seeking the assistance of CLG The goal you have set is to negotiate mutually agreeable resolutions between you and your creditor(s) for payment of certain unsecured debt(s) described as Enrolled Debts. No specific results can be predicted or guaranteed.
- You will be responsible for savings sufficient funds that you control to fund debt resolutions that CLG will endeavor to negotiate on your behalf. You and only you will be in control of all funds and under no circumstances will CLG have custody or control of the funds you set aside to fund debt resolutions.
- The savings program you have made to reach your debt resolution goal is detailed in your Client Agreement. Summaries of the total resolution amount, monthly savings, and the period needed to reach your goal were prepared based on the goal you selected. Those summaries reflect the minimum amount that we have estimated you will need to save to put yourself in a position to reach your goals. Actual resolution amounts, necessary savings and the period required to reach your goal may vary based on creditors actions and other factors that may affect or prevent the realization of your goals.
- While most creditors and collectors negotiate with Debt negotiation / Debt Resolution Providers, CLG cannot force the negotiations and cannot force creditors to accept a resolution or settlement. CLG does not make regular monthly payments to your creditors. Your creditors may continue collection efforts on delinquent accounts while you are enrolled in a Debt negotiations Program. Such collection efforts can include phone calls and letters to you, charging off the account, sending accounts to collection agencies or attorneys, lawsuits and even garnishments of your wages. If a judgment has been obtained CLG makes no claim that it will be able to stop these collection activities. These activities may continue while CLG is making its best efforts to negotiate your debt.
- Your Debt negotiations Program assumes an effort that will continue for many months. The time needed to produce a resolution depends on a number of factors. These may include: (a) your financial hardship, (b) the age and balance of the accounts that you owe your creditors, and (c) the funds you have available to pay for a resolution; and (d) the willingness of individual creditors to enter into debt resolution negotiations. While no guarantees can be given, generally the quicker you save money the sooner you will be in a position to reach your goals. Increased savings will provide you with the option to accept lesser discounts and will also enable you to accumulate funds to reach your debt resolution goals more quickly. However, any resolution must be acceptable to both you and your settling creditor.
- The fees paid to CLG are intended to compensate them for its efforts and will only be refundable to the extent they have not been deemed to have been earned in the manner described in the Client Agreement. Those fees are not being set aside or held in escrow to fund debt resolutions. Fees paid to a Debt negotiations Services Provider such as CLG for its services will not be available to pay creditors.
- Communications with creditors are handled on a case by case basis. In some instances creditors may not be contacted until several months after you enroll.
- You have stated that, because of circumstances beyond your control (hardship), you are unable to meet the minimum payments required by your creditors. If you do not make required minimum payments to your creditors you may be breaking the terms of your agreements with them and your actions will probably be reported to consumer reporting agencies as late, delinquent, charged-off or past due balances. Your creditor may also raise the interest rate on your account and impose other penalties. Your account balance may continue to grow as your creditor adds accrued interest, late fees, over-limit fees and penalties. Your balance may continue to grow until a resolution is reached with your creditor; and, if negotiations are unsuccessful, you could be called upon to pay the entire balance. After resolution your creditor may comment that the account was “settled for less than the full amount” on your credit report. A Debt negotiations Program may have an adverse effect on your credit report and credit score.
- When your creditor agrees to settle a debt, a savings of $600 or more off what you owed may be reported by your creditor to the IRS as Discharge of Indebtedness income. You may wish to consult your tax advisor to determine whether your individual circumstances may permit you to exclude any such Discharge of Indebtedness Income from your reportable income due to insolvency. For more information on tax ramifications to you personally you may also wish to consult a CPA or Tax Attorney and to refer to the IRS website www.irs.gov IRS Publication 908-“Bankruptcy Tax Guide” and IRS Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness available on the IRS website.
- If applicable, you acknowledge that the company is not a law firm and cannot provide legal advice.
- You understand that you have the responsibility and the right to communicate my comments directly to the company’s management. Upon request, you will receive from the Company the refund procedure and grievance policy.
To summarize, each case is unique and results may vary: A Debt negotiations Program can be a very effective way to resolve your debt, but it is not a painless process and no guarantees can be given because the process is subject to factors that neither you nor your service provider may be able to control. As with any type of debt repayment plan, failure to complete a Debt negotiations Program is likely to have negative consequences on your financial situation.
Finally, you have a right to report directly any concerns to AFCC™ via email: info@americanfaircreditcouncil.org
privacy policy
PRIVACY POLICY
Protecting your private information is our priority. This Statement of Privacy applies to http://www.Councillaw.group, and CLG, PLLC and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to CLG, PLLC include http://www.Councillaw.group and CLG. The CLG website is a ecommerce site. By using the CLG website, you consent to the data practices described in this statement.
Collection of your Personal Information
In order to better provide you with products and services offered, CLG may collect personally identifiable information, such as your:
– First and Last Name
– Mailing Address
– E-mail Address
– Phone Number
– Social security number, credit card or other debt
– Account balances and transaction history
– Income and employment information
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) registering for an account; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.
Use of your Personal Information
CLG collects and uses your personal information to operate and deliver the services you have requested. CLG may also use your personally identifiable information to inform you of other products or services available from CLG and its affiliates.
Sharing Information with Third Parties
CLG does not sell, rent or lease its customer lists to third parties.
CLG may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to CLG, and they are required to maintain the confidentiality of your information.
CLG may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on CLG or the site; (b) protect and defend the rights or property of CLG; and/or (c) act under exigent circumstances to protect the personal safety of users of CLG, or the public.
Note: Additional disclosures should also indicate that your information may be shared to affiliates for marketing and everyday business purposes.
Cookies
If you leave a comment on our site, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Automatically Collected Information
Information about your computer hardware and software may be automatically collected by CLG. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the CLG website.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you.
Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:
- Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
- Debug to identify and repair errors that impair existing intended functionality;
- Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
- Comply with the California Electronic Communications Privacy Act;
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
- Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
- Comply with an existing legal obligation; or
- Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
- CCPA also requires that the data be provided to consumers within 45 days
- Delivered by mail or electronically
- Free of charge
For California Residents
Subject to certain exceptions outlined in the CCPA, you have a right to request that your personal information be deleted from our records. You may make such request by (1) contacting our customer relations staff by phone at 877-754-2097, or (2) emailing at Councillaw.group.
In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law. For example, we may share information with your consent or to service your accounts. Your elections are stated here.
Right to Non-Discrimination
Exercising any right pursuant to the CCPA solely shall not result in a denial of goods or services, or result in disparate delivery of service or pricing.
Children under thirteen
CLG does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.
E-mail communications
From time to time, CLG may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from CLG or click on a link therein.
If you would like to stop receiving marketing or promotional communications via email from CLG, you may opt out of such communications by calling 877-754-2097.
Changes to this statement
CLG reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information. Your continued use of the website and/or Services available after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.
Contact Information
CLG welcomes your questions or comments regarding this Statement of Privacy. If you believe that CLG has not adhered to this Statement, please contact CLG at:
Council Law Group, PLLC
3900 Airport Parkway Box 2665
Addison, Texas 75001
Email Address: Clients@councillaw.group
Telephone number: 877-754-2097
Terms of use
Defining Our Policies
Through this Website, Council Law Group provides information about debt relief options and resources, including general information about the debt negotiation industry. This Website, including any updates, enhancements, and new features, is subject to these Terms of Use.
Personal Use
You may view and download material on the Website solely for your own personal and non-commercial use. You must keep all copyright and other proprietary notices on any copies of the material you obtain from this Web site.
No Endorsements
No links to other Web sites or references to third parties are intended to be endorsements of a third party’s services or information contained.
Liability
Council Law Group disclaims all warranties and conditions with regard to information and related graphics in this Website. In no event shall Council Law Group be liable for any special, indirect or consequential damages or any damages whatsoever resulting from use of information in this Website.
Privacy/Online Policies
The information provided on our Web site is presented as and is intended for educational purposes and general knowledge for consumers wanting to learn about debt settlement and debt relief options. Council Law Group cannot answer questions about your specific situation through this Web site. This website is not intended to be a substitute for professional financial advice.
Council Law Group takes your privacy seriously. We maintain strict client confidentiality as presented in our Code of Ethics. Council Law Groups Practices and Privacy Policy illustrate that we take your privacy seriously. We also strive to help you understand how to protect your account and educate you about “identity theft red flag” rules as outlined and updated in the Fair and Accurate Credit Transactions Act of 2003, by which institutions and creditors must abide to help safeguard your information.
Copyright Notice
You may not copy, reproduce, republish, post, retransmit, or distribute in any way any of the information contained in this Website without prior written consent of Council Law Group.