If you’re struggling to pay off the money you owe, consolidating your credit cards into one payment every month may help.
For a free debt consolidation assessment, you can just fill out our easy web form. Debt Relief AZ can connect you to a debt consolidation company given your location, how much debt you have, and your individual preferences.
There are around 16,191 people in Chandler who qualify for debt consolidation, and the majority would benefit from a debt management plan above all else.
Debt management plans, often associated with a credit counseling company, let you pay off your debt entirely in 36-60 months with just one monthly payment. The advantages are substantial: more affordable rates, payments, and service fees. In most cases your creditor starts giving you these benefits after ninety days of timely payments. Furthermore, debt management plans are one of the most affordable strategies for consolidating debt in Chandler, AZ.
Chandler (AZ) Debt Consolidation Loans
If you take out a debt consolidation loan in Chandler, AZ, you will use the money to pay back your active credit cards. Naturally, this loan still has to be paid back.
As a rule, a debt consolidation loan will mean cheaper monthly bills and fewer calls from debt collection agencies, as your old debts will have been cleared.
In order to take full advantage of a debt consolidation loan, you have to obtain highly affordable apr’s, which takes great credit. Is a debt consolidation loan best for you?
Consolidating Payday Loans in Chandler (AZ)
Because of the economic downturn, more and more Americans have been turning to payday loans. We estimate that 10,045 residents of Chandler get payday cash advances on a regular basis, and roughly 4,420 of these individuals find themselves overdue these cash advances – that is nearly half! Have you found yourself overdue on more than one payday loan? Don’t worry, we can help you find payday loan consolidation firms in Chandler, AZ, that can assist you to:
- Consolidate various payday cash loans.
- Trim down extortionate payday loan interest.
- Establish a strategy for getting out of payday debt.
- Field debt collector phone calls.
Do you need to read additional information on payday lending laws and regulations in Arizona? Check this page AZ cash advance regulations.
Chandler Debt Budgeting
Debt consolidation specialists in Chandler, AZ will want to learn how much debt you’re carrying that is unsecured. This means it’s not guaranteed by any equity. The most common causes of debt are:
- Credit Cards
- Payday Loans
- Store Cards
- Rent or Mortgage Payments
- Other Revolving Credit Balances
Ideally, approximately 33% of your income will be devoted to paying back what you owe. Such debts incorporate credit card bills, vehicle/payday loans, and rent or home loan repayments. If you make $2,959.00 every month, the average for Chandler residents, then, in a perfect world, you would spend roughly $1,065 per month. Having said that, many Chandler residents are in considerable debt, defined by debt-to-income ratios of 50% or more. They’re shelling out more than $1,480 per month!
If your debt load is over 50%, you need to consult a debt consolidation expert near you.
Debt Consolidation Scams in Chandler (AZ)
As outlined by the FTC, any Chandler debt consolidation consultant has to give you the following information before you enroll in their program:
- Registration and fees each month.
- How long until they email or call each lender.
- How much must be saved before they’ll get in touch with each creditor.
- How their program will affect your credit score.
Don’t ever be part of a program that’s got a bad track record. To find out more, have a look at the section of FTC.gov titled In Debt?.
Debt Consolidation Firms: Chandler (AZ)
- Freedom Financial, 574 E Alamo Dr, #60, 85225
- Rapid Short Sale, 3115 S Price Rd, 85248
- The Bankruptcy Law Group at Dault & Association , PLLC, 908 W Chandler Blvd, 85225
- I Clean Ugly Credit, LLC, 2040 S Alma School Rd, #1, 85286
- Consumer Credit Counseling, 215 E Buffalo St, 85225
- Common Cents Credit Solutions, LLC, 3029 N Alma School Rd, #107, 85224