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DEBT CONSOLIDATION AND CREDIT REPAIR TAILORED TO YOUR NEEDS!
At Commonwealth Associates Group, we offer expert consulting services tailored to your financial needs. Our dedicated team is here to help you achieve your goals and drive success. Let's work together to unlock your potential into debt freedom.
About Commonwealth Associates Group LLC
Our Mission
Our Services
Our Services
At Commonwealth Associates Group LLC, our mission is to help businesses thrive. We do this by providing comprehensive consulting services that are tailored to the unique needs of each client. Our team is committed to delivering top-notch results that exceed expectations.
Our Services
Our Services
Our Services
Understanding Credit Card Debt
Credit cards weighing you down?
CAG,LLC. -certified counselors can help:
- Stop collection calls
- Prevent additional late fees and interest
- Negotiate with multiple creditors simultaneously
- Improve your credit
- Determine if a Debt Management Plan is right for you
Our Approach
Our Services
Our Approach
At Commonwealth Associates Group LLC, we take a collaborative approach to consulting. We work closely with our clients to understand their needs and develop solutions that are tailored to their unique challenges. Our approach is transparent, results-driven, and designed to help businesses succeed.
Frequently Asked Questions
Please reach us at ADMIN@COMMONWEALTHASSOCIATESGROUPLLC.COM if you cannot find an answer to your question.
In certain circumstances, your creditor may contact us to verify your appointment with an NFCC-member agency. For example, this may happen if you tell a creditor you have an appointment or if the creditor referred you to one of our local agencies.
Your credit counselor will only reach out to your creditors if you set up a debt management plan or other payment plan.
Even if your creditors refuse to work with you, they will often work with us. An CAG,LLC.-certified credit counselor has tools that make it easier to get creditors on-board. Your counselor will evaluate your overall financial situation, offer advice, determine what you can afford to pay and even work with your creditor to find a solution.
If you qualify for a debt management plan, for example, your creditors may agree to reduce your payments, lower your interest rates or give you more time to pay the debt.
Our Counselor Certification Program is only available to employees of CAGLLC member agencies.
To become a Certified Consumer Credit Counselor, you’ll need to demonstrate an understanding of the theories, principles, issues, counseling techniques and forms applicable to credit and financial counseling by passing the counselor certification exam. The counselor certification exam covers the following subjects:
- Basic counseling principles
- Budgeting
- Credit
- Collections and debt management
- Consumer rights and responsibilities
- Bankruptcy
To maintain certification, the counselor must obtain a minimum of 20 Professional Development Units (PDUs) every two years. PDUs are accumulated through such activities as direct counseling, association memberships, attendance at workshops and conferences, teaching, publishing and research activities.
Credit counseling can potentially stop creditors from contacting you or taking legal action against you. Depending on the services you receive, we may work with you and your creditors to develop a debt management solution that satisfies both parties. If you maintain your part of the agreement, their phone calls and other collection actions are likely to stop.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that makes it illegal for debt collectors to use abusive, unfair or deceptive tactics to collect your debt, including:
- Harassing or threatening you
- Disclosing what you owe to anyone but your attorney
- Making false statements, like lying about how much you owe or the consequences you could face for not paying
The FDCPA also requires debt collectors to give you “validation information” on request. If you request validation of a debt, they must give you details such as their name and the amount you owe, within five days.
A judgment is a court order that lets a debt collector take specific action to collect your debt. If a debt collector sues you and wins a judgment, you could face any of the following consequences:
- Wage garnishment
- Bank levy
- Property lien
If you receive a notice stating that a creditor or debt collector intends to sue you for a judgment, it’s important to respond. Ignoring the lawsuit could result in losing by default and owing even more money.
When a creditor “charges-off” your debt, it means they’ve written it off as a loss. A creditor will charge-off your debt if they believe you no longer intend to pay. This usually happens once you’re behind on the payment by 90 to 180 days.
When your debt is charged-off, the creditor either transfers it to a collection department or sells it to a debt collector. Once the record of the charge-off appears on your credit reports, your credit scores are likely to take a big hit.
After the charge-off, you’re still legally obligated to pay the debt to the new account owner, but only for a set period of time determined by your state. This timeframe is also known as the statute of limitations. Before that time frame is up, the debt collector can potentially file a lawsuit against you in order to collect the debt.
When your wages are attached or garnished, money is taken out of your paycheck to pay back your debt. Wage attachments usually happen as the result of a creditor suing you and winning. An attachment can also be the result of filing Chapter 13 bankruptcy, or having unpaid student loans or child support.
If you have a wage garnishment, your employer will receive an order to begin withholding part of your compensation immediately.
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After your car is repossessed and sold, there’s a chance you still owe money to your lender. If the sale price on the car did not cover the remaining balance on your loan (plus all fees) you will owe what’s called a “deficiency balance.”
If you owe a deficiency balance, you may be able to set up a payment plan with the lender or offer the lender a lump sum settlement. Failing to pay, however, could result in a lawsuit from the lender or a debt collector.
Contact Us
Creating a Plan Today for a Brighter Tomorrow
Restoring Hope in Your Financial Future
Whether you are facing a mountain of credit card debt or dealing with a temporary setback—we can help. Debt management can be a blur, but we’re here to paint a clearer picture on how to achieve a thriving financial future.
COMMONWEALTH ASSOCIATES GROUP, LLC.
PO BOX 735, Zebulon, NC 27597, USA
Hours
Open today | 09:00 am – 05:00 pm |
CLOSED FOR MAJOR HOLIDAYS
Privacy Policy
WWW.COMMONWEALTHASSOCIATESGROUPLLC.COM Privacy Policy
Type of website: Ecommerce
Effective date: 1st day of July, 2025
WWW.COMMONWEALTHASSOCIATESGROUPLLC.COM (the "Site") is owned and operated by URIAH BRACEY. URIAH BRACEY can be contacted at:
ADMIN@COMMONWEALTHASSOCIATESGROUPLLC.COM
(346) 221-2338
11031 RAVEN RIDGE RD #101 RALEIGH NC 27614
Purpose
The purpose of this privacy policy (this "Privacy Policy") is to inform users of our Site of the following:
- The personal data we will collect;
- Use of collected data;
- Who has access to the data collected;
- The rights of Site users; and
- The Site's cookie policy.
This Privacy Policy applies in addition to the terms and conditions of our Site.
Consent
By using our Site users agree that they consent to:
- The conditions set out in this Privacy Policy; and
- The collection, use, and retention of the data listed in this Privacy Policy.
How We Use Personal Data
Data collected on our Site will only be used for the purposes specified in this Privacy Policy or indicated on the relevant pages of our Site. We will not use your data beyond what we disclose in this Privacy Policy.
Who We Share Personal Data With
Employees
We may disclose user data to any member of our organization who reasonably needs access to user data to achieve the purposes set out in this Privacy Policy.
Other Disclosures
We will not sell or share your data with other third parties, except in the following cases:
- If the law requires it;
- If it is required for any legal proceeding;
- To prove or protect our legal rights; and
- To buyers or potential buyers of this company in the event that we seek to sell the company.
If you follow hyperlinks from our Site to another Site, please note that we are not responsible for and have no control over their privacy policies and practices.
How Long We Store Personal Data
User data will be stored until the purpose the data was collected for has been achieved.
You will be notified if your data is kept for longer than this period.
How We Protect Your Personal Data
In order to protect your security, we use the strongest available browser encryption and store all of our data on servers in secure facilities. All data is only accessible to our employees. Our employees are bound by strict confidentiality agreements and a breach of this agreement would result in the employee's termination.
While we take all reasonable precautions to ensure that user data is secure and that users are protected, there always remains the risk of harm. The Internet as a whole can be insecure at times and therefore we are unable to guarantee the security of user data beyond what is reasonably practical.
Children
We do not knowingly collect or use personal data from children under 13 years of age. If we learn that we have collected personal data from a child under 13 years of age, the personal data will be deleted as soon as possible. If a child under 13 years of age has provided us with personal data their parent or guardian may contact our privacy officer.
How to Access, Modify, Delete, or Challenge the Data Collected
If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data and to who we disclosed your personal data, or if you would like your data to be deleted or modified in any way, please contact our privacy officer here:
TONNIE BRACEY
CAGPayments@gmail.com
(815) 995-0122
PO BOX 735 ZEBULON, NC 27597
Do Not Track Notice
Do Not Track ("DNT") is a privacy preference that you can set in certain web browsers. We do not track the users of our Site over time and across third party websites and therefore do not respond to browser-initiated DNT signals.
Cookie Policy
A cookie is a small file, stored on a user's hard drive by a website. Its purpose is to collect data relating to the user's browsing habits. You can choose to be notified each time a cookie is transmitted. You can also choose to disable cookies entirely in your internet browser, but this may decrease the quality of your user experience.
We use the following types of cookies on our Site:
- Functional cookies
Functional cookies are used to remember the selections you make on our Site so that your selections are saved for your next visits.
Modifications
This Privacy Policy may be amended from time to time in order to maintain compliance with the law and to reflect any changes to our data collection process. When we amend this Privacy Policy we will update the "Effective Date" at the top of this Privacy Policy. We recommend that our users periodically review our Privacy Policy to ensure that they are notified of any updates. If necessary, we may notify users by email of changes to this Privacy Policy.
Contact Information
If you have any questions, concerns or complaints, you can contact our privacy officer, TONNIE BRACEY, at:
CAGPayments@gmail.com
(815) 995-0122
PO BOX 735 ZEBULON, NC 27597
WWW.COMMONWEALTHASSOCIATESGROUPLLC.COM Privacy Policy
Type of website: Ecommerce
Effective date: 1st day of July, 2025
WWW.COMMONWEALTHASSOCIATESGROUPLLC.COM (the "Site") is owned and operated by URIAH BRACEY. URIAH BRACEY can be contacted at:
ADMIN@COMMONWEALTHASSOCIATESGROUPLLC.COM
(346) 221-2338
11031 RAVEN RIDGE RD #101 RALEIGH NC 27614
Purpose
The purpose of this privacy policy (this "Privacy Policy") is to inform users of our Site of the following:
- The personal data we will collect;
- Use of collected data;
- Who has access to the data collected;
- The rights of Site users; and
- The Site's cookie policy.
This Privacy Policy applies in addition to the terms and conditions of our Site.
Consent
By using our Site users agree that they consent to:
- The conditions set out in this Privacy Policy; and
- The collection, use, and retention of the data listed in this Privacy Policy.
How We Use Personal Data
Data collected on our Site will only be used for the purposes specified in this Privacy Policy or indicated on the relevant pages of our Site. We will not use your data beyond what we disclose in this Privacy Policy.
Who We Share Personal Data With
Employees
We may disclose user data to any member of our organization who reasonably needs access to user data to achieve the purposes set out in this Privacy Policy.
Other Disclosures
We will not sell or share your data with other third parties, except in the following cases:
- If the law requires it;
- If it is required for any legal proceeding;
- To prove or protect our legal rights; and
- To buyers or potential buyers of this company in the event that we seek to sell the company.
If you follow hyperlinks from our Site to another Site, please note that we are not responsible for and have no control over their privacy policies and practices.
How Long We Store Personal Data
User data will be stored until the purpose the data was collected for has been achieved.
You will be notified if your data is kept for longer than this period.
How We Protect Your Personal Data
In order to protect your security, we use the strongest available browser encryption and store all of our data on servers in secure facilities. All data is only accessible to our employees. Our employees are bound by strict confidentiality agreements and a breach of this agreement would result in the employee's termination.
While we take all reasonable precautions to ensure that user data is secure and that users are protected, there always remains the risk of harm. The Internet as a whole can be insecure at times and therefore we are unable to guarantee the security of user data beyond what is reasonably practical.
Children
We do not knowingly collect or use personal data from children under 13 years of age. If we learn that we have collected personal data from a child under 13 years of age, the personal data will be deleted as soon as possible. If a child under 13 years of age has provided us with personal data their parent or guardian may contact our privacy officer.
How to Access, Modify, Delete, or Challenge the Data Collected
If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data and to who we disclosed your personal data, or if you would like your data to be deleted or modified in any way, please contact our privacy officer here:
TONNIE BRACEY
CAGPayments@gmail.com
(815) 995-0122
PO BOX 735 ZEBULON, NC 27597
Do Not Track Notice
Do Not Track ("DNT") is a privacy preference that you can set in certain web browsers. We do not track the users of our Site over time and across third party websites and therefore do not respond to browser-initiated DNT signals.
Cookie Policy
A cookie is a small file, stored on a user's hard drive by a website. Its purpose is to collect data relating to the user's browsing habits. You can choose to be notified each time a cookie is transmitted. You can also choose to disable cookies entirely in your internet browser, but this may decrease the quality of your user experience.
We use the following types of cookies on our Site:
- Functional cookies
Functional cookies are used to remember the selections you make on our Site so that your selections are saved for your next visits.
Modifications
This Privacy Policy may be amended from time to time in order to maintain compliance with the law and to reflect any changes to our data collection process. When we amend this Privacy Policy we will update the "Effective Date" at the top of this Privacy Policy. We recommend that our users periodically review our Privacy Policy to ensure that they are notified of any updates. If necessary, we may notify users by email of changes to this Privacy Policy.
Contact Information
If you have any questions, concerns or complaints, you can contact our privacy officer, TONNIE BRACEY, at:
CAGPayments@gmail.com
(815) 995-0122
PO BOX 735 ZEBULON, NC 27597
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