At CLG our attorneys 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 resolution 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.
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.
3900 Airport Parkway Box 2665
Addison, TX. 75001
Hours of Operation
M-F 8am-5pm CST
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.
AFCC Uniform Program Disclosure Statement
Council Law Group is a member of the American Fair Credit Council and has agreed to follow industry “best practices,” as endorsed by the AFCC, including disclosure of the following matters as an integral part of its contract with consumers.
Council Law Group provides consumers with a debt resolution service more popularly known as debt settlement. Debt settlement/resolution is the negotiation of less than full balance resolutions of unsecured debt on behalf of consumers who are experiencing financial hardship Council Law Group wants you to understand both the potential benefits and risks that may arise out of your debt resolution program and to be sure you have reasonable expectations regarding all potential outcomes.
BY SIGNING BELOW, YOU ARE CONFIRMING THAT Council Law Group HAS EXPLAINED TO YOU, AND YOU UNDERSTAND, ALL THE ISSUES SET FORTH BELOW. If you wish to discuss or comment on any of these disclosures or discuss any aspect of your debt resolution program, please email us at firstname.lastname@example.org with your contact information and the AFCC compliance department will respond to you as quickly as possible.
1. You are enrolling into a debt resolution program. The objective of your debt resolution program is for Council Law Group to negotiate mutually agreeable resolutions between you and each of your creditor(s) for the resolution of your unsecured debt(s), which are itemized as part of your enrollment agreement and are referred to as Enrolled Debts. You understand and acknowledge that no specific results can be predicted or guaranteed.
2. You will be responsible for saving sufficient funds to enable Council Law Group to negotiate debt resolutions on your behalf. In order for Council Law Group to negotiate on your behalf, you must adhere to a regular schedule of deposits. These funds will be deposited into a separate FDIC-insured bank account that you and only you will control. Under no circumstances will Council Law Group have custody or control of the funds you set aside.
3. The savings program necessary to resolve your debts is detailed in your enrollment agreement. Summaries of the minimum monthly savings amount and the estimated period needed to resolve all of your debts have been prepared for you. Actual resolution amounts, and the period required to resolve all of your debts are likely to vary, possibly substantially, from these estimates, based on creditor behavior, your ability and willingness to keep to your deposit schedule and other factors.
4. While most creditors and collectors are eager to negotiate with debt resolution providers, Council Law Group cannot force creditors to negotiate with them or to accept an offered resolution. Communications with creditors are handled on a case-by-case basis. Some creditors may not be contacted for several months after you enroll.
5. Council Law Group is not a credit counseling service and does not make regular payments on your behalf to your creditors. Your creditors may continue to pursue collection efforts on delinquent accounts while you are enrolled in a debt resolution program. Such collection efforts can include phone calls and letters to you, sending delinquent accounts to collection agencies or even filing a lawsuit against you.
6. Your debt resolution program assumes an effort that will continue for many months. The time needed to produce a resolution of a given debt depends on several factors. These include (a) your financial hardship, (b) the age and balance of the accounts that you owe, (c) the funds you have available to pay to your creditors for a resolution and (d) the willingness of your creditors to enter into debt resolution negotiations. While no guarantees can be given, generally the more money you are able to set aside the sooner Council Law Group will be able to start negotiating resolutions for you.
7. Fees paid to a debt resolution services provider such as Council Law Group are not available to pay creditors. The fees paid to Council Law Group are intended to compensate them for their 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.
8. You have told us that you are in a verifiable state of financial hardship and are unable to meet, on an ongoing basis, the minimum periodic payments required by your creditors to pay off your debts. If you do not make the minimum periodic payments on your debts your delinquencies will likely be reported to the 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, such as late fees, over-limit fees and the like. Until your account is charged off, your account balance may continue to grow as your creditor adds accrued interest and fees and penalties, and, if negotiations are unsuccessful, you could be called upon to pay the entire balance. Even if we are successful in negotiating a less than full balance resolution for you, your creditor may report to the credit reporting agencies that the account was “resolved for less than the full amount.”
9. When your creditor agrees to resolve a debt, a savings of $600 or more (meaning at least $600 less than what you owe at the time of resolution) may be reported by your creditor to the IRS as Discharge of Indebtedness income. You should consult your tax advisor to determine whether your individual circumstances require you to include any Discharge of Indebtedness Income in your reportable income, or whether you qualify for an insolvency exclusion. For more information on tax ramifications to you personally, 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.
To summarize, each case is unique and results, dependent as they are upon both your ability to set aside sufficient funds and your creditor’s willingness to negotiate a less than full balance resolution, may be expected to vary widely. For consumers in verifiable states of financial hardship, a debt resolution program can be a very effective way to resolve unsecured debt but it is not a painless process and no guarantees as to resolution amounts or timing can be given.
Finally, we encourage you to report any concerns with your debt resolution program directly to the AFCC via email: email@example.com.
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.
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.
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:
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.
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 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
Defining Our Policies
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 links to other Web sites or references to third parties are intended to be endorsements of a third party’s services or information contained.
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.
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 resolution 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.
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.