Rise Alliance logo

Rise Alliance in New York, NY

4.9/5
Google rating from 219 reviews

Rise Alliance specializes in business debt settlement and personal guarantee resolution, positioning itself as a restructuring firm that negotiates directly with creditors to protect cash flow.

Data compiled from public sources · Google rating shown when a stored review count is available

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Rise Alliance Review

Rise Alliance is a business debt resolution company that operates as part of Second Wind Consultants, a firm specializing in commercial distress resolution. The company targets business owners facing multiple forms of debt including merchant cash advances, business credit card debt, and vendor obligations. Their positioning emphasizes ethical and listed practices, contrasting themselves against traditional debt relief companies they characterize as stalling tactics or over-promising payment reductions without addressing underlying risks.

Rise Alliance offers three primary service lines: business debt resolution through their RISE Debt Resolution Program, strategic business consulting for post-resolution sustainability, and access to customized financing solutions through their network of commercial lenders and working capital providers. The company differentiates itself by claiming proactive creditor negotiation that structurally protects cash flow rather than merely stalling payments, and positions access to a nationwide network of commercial lenders, attorneys, and restructuring professionals as unavailable elsewhere. However, the company is exclusively focused on business debt, not personal consumer debt relief.

Their marketing emphasizes case studies of rapid resolution (one client claims four-day settlement of all accounts including lawsuits and liens) and stress reduction, but provides limited specific information about fees, timelines, or success rates on the website. Rise Alliance appears to target mid-sized business owners in financial distress, particularly those dealing with high-cost lending products like merchant cash advances, though their service model and exact fee structure remain opaque from publicly available website content. Consolidating high-interest balances into a single installment loan with a fixed rate can reduce total interest paid and simplify monthly budgeting.

Services & Features

Asset-based lending facilitation
Business credit card debt settlement
Business debt settlement and negotiation with creditors
Creditor negotiation and proactive intervention
Customized financing solutions through network lenders
Invoice factoring lender connections
Merchant cash advance (MCA) resolution and cash flow protection
Personal guarantee resolution and liability protection
Post-resolution business restructuring guidance
Strategic business consulting and financial advisory services
Vendor debt negotiation and settlement
Working capital provider network access

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Focuses specifically on business debt rather than personal debt, offering listed experience context in commercial creditor negotiation
  • Emphasizes proactive cash flow protection rather than stalling tactics, addressing a specific pain point of traditional debt relief
  • Claims access to nationwide network of commercial lenders, attorneys, and restructuring professionals for comprehensive solutions
  • Offers integrated post-resolution consulting to help businesses rebuild and achieve sustainable growth
  • Provides customized financing solutions through asset-based lenders and working capital providers to replace high-cost loans
  • Client testimonials report rapid resolution timelines (4-day settlement mentioned) and significant stress relief
  • Positions personal listed refund term resolution alongside business debt, addressing owner liability exposure

Cons

  • Website provides no information about fees, pricing structures, or cost estimates for services
  • No transparency on average settlement rates, typical debt reduction percentages, or success metrics
  • Limited detail on timelines—while one testimonial mentions 4 days, no standard process duration is disclosed
  • Exclusively serves business debt; consumers with personal debt relief needs cannot use this service
  • Vague on specific debt types handled—website mentions MCAs, credit cards, and vendor debt but lacks comprehensive scope

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State Consumer Finance Context

This is state-level context for Debt Relief consumers in New York, NY. It does not confirm that Rise Alliance or this specific location is licensed.

State regulator

New York Department of Financial Services

Consumer protection

New York Attorney General Consumer Frauds Bureau

Credit and debt help rules in New York

Relevant law: New York Credit Services Business Act (N.Y. Gen. Bus. Law Article 28-BB, §§ 458-a through 458-k)

Registration: Required with New York Department of Financial Services

Upfront fees: Listed as prohibited in the current CreditDoc state summary

  • Credit services organizations must provide written disclosures before any contract is signed, including a statement of the consumer's right to cancel within 3 business days
  • Prohibited from charging or collecting fees before delivering promised services to the consumer
  • Cannot make false or misleading claims about ability to improve credit records or remove accurate negative information

Key state rules to check

  • Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
  • The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
  • Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Rise Alliance offer?

Rise Alliance offers 12 services including Business debt settlement and negotiation with creditors, Personal guarantee resolution and liability protection, Merchant cash advance (MCA) resolution and cash flow protection, Business credit card debt settlement, Vendor debt negotiation and settlement, and 7 more.

What profile signals are listed for Rise Alliance?

Rise Alliance has profile signals associated with Business owners with merchant cash advance debt seeking short-term cash access flow protection, Companies with multiple creditors (business credit cards, vendor debt, MCAs) needing consolidated negotiation, Business owners personally guaranteed on commercial debt seeking liability resolution, Mid-sized businesses in financial distress seeking both debt resolution and post-recovery consulting.

What are the strengths and weaknesses of Rise Alliance?

Key strengths: Focuses specifically on business debt rather than personal debt, offering listed experience context in commercial creditor negotiation; Emphasizes proactive cash flow protection rather than stalling tactics, addressing a specific pain point of traditional debt relief; Claims access to nationwide network of commercial lenders, attorneys, and restructuring professionals for comprehensive solutions. Areas to consider: Website provides no information about fees, pricing structures, or cost estimates for services; No transparency on average settlement rates, typical debt reduction percentages, or success metrics.

How does Rise Alliance compare to similar companies?

In the Debt Relief category, comparable providers include Catholic Charities Fort Worth, Coulter Credit Repair LLC, Los Angeles Credit Repair - Fix Your Credit Scores Fast. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
New York, NY
BBB Accredited
No
Visit Rise Alliance

CreditDoc Profile Note

Research Note on Rise Alliance

Rise Alliance is profile signals for business owners with commercial debt (particularly merchant cash advances and business credit cards) who need rapid cash flow protection combined with creditor negotiation and post-resolution business stabilization. The main caveat is that this company serves only business debt, not personal consumer debt, and provides minimal transparency about fees, typical outcomes, or average settlement percentages on their public website. Consumers evaluating debt relief companies should also consider whether debt consolidation loans, credit counseling, or personal loans for bad credit might provide a better path to financial recovery depending on their specific situation.

Profile Signals

  • Business owners with merchant cash advance debt seeking short-term cash access flow protection
  • Companies with multiple creditors (business credit cards, vendor debt, MCAs) needing consolidated negotiation
  • Business owners personally guaranteed on commercial debt seeking liability resolution
  • Mid-sized businesses in financial distress seeking both debt resolution and post-recovery consulting
Updated 2026-04-30

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Compare Your Needs With Rise Alliance

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Quick Summary

  • Rise Alliance is listed as a Debt Relief provider in New York, NY on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position How to Do Debt Consolidation Yourself Without a Company Learn the basics Start the free Credit Fundamentals course.

Financial Wellness Guides

How to Do Debt Consolidation Yourself Without a Company

A step-by-step guide to consolidating your debt on your own, without paying a debt consolidation company. Covers balance transfers, personal loans, the snowball method, and negotiating directly with creditors.

Read guide →

Financial Fresh Start: A 90-Day Reset Plan for Any Situation

A step-by-step 90-day plan to assess your finances, attack debt, dispute errors, and rebuild credit. Real timelines, specific actions, and legal protections you can use immediately.

Read guide →

Debt Management Plans: How They Work and Who They Help

Learn how debt management plans reduce interest rates, negotiate with creditors, and help rebuild credit in 3–5 years. Real timelines and eligibility rules.

Read guide →

Free Credit Fundamentals Course

Learn how credit scores work, how to dispute errors, and build credit from scratch. 10 modules, zero cost.

Borrowing Power Quiz

Find out how much you could borrow in 60 seconds. Free, private, no credit impact.
Financial Terms Explained (14 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

How Loans Work

Default — Loan Default

When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.

Why it matters

Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.

Example

You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).

Legal Terms

CFPB — Consumer Financial Protection Bureau

A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.

Why it matters

The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.

Example

A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.

FDCPA — Fair Debt Collection Practices Act

A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.

Why it matters

Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.

Example

A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.

Garnishment — Wage Garnishment

A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.

Why it matters

Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.

Example

You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.

Statute of Limitations — Statute of Limitations (Debt)

A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.

Why it matters

Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.

Example

You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.

Debt & Recovery

Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)

A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.

Why it matters

Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.

Example

You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.

Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)

A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.

Why it matters

Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.

Example

You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.

Charge-Off

When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.

Why it matters

A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.

Example

You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).

Collections — Debt Collections

When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.

Why it matters

Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.

Example

An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.

Debt Consolidation

Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.

Why it matters

Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.

Example

You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.

Debt Settlement — Debt Settlement / Negotiation

Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.

Why it matters

Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.

Example

You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.

DTI Ratio — Debt-to-Income Ratio

The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.

Why it matters

Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.

Example

You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.

Judgment — Court Judgment (Debt)

A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.

Why it matters

Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.

Example

A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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