Let’s suppose it were possible to lower your credit card rates and debt collector calls. At Debt Relief AZ, we have analysts who can evaluate your debt profile and tell you how much you could save through credit counseling and debt management.
Credit counseling has a lot of upsides. These include:
- Reduced Rates Of Interest
- Quicker Debt Relief
- One Monthly Installment
- Healthier Financial Management Tactics
Of Cave Creek’s 23,803 residents, somewhere around 878 are in need of credit counseling.
Debt Counseling in Cave Creek (AZ)
How much do you owe as a whole? For those who are spending more than half of your income every month on rent/mortgage, loans, and credit cards, you ought to find a credit counselor in Cave Creek now.
Have you got at least $10K of debt or have monthly payments for rent, loans, or credit cards that cost 50% your pay? Then you might need to register for a DMP, or debt management plan. A DMP is a means of consolidating debt, as your payments to creditors will be merged into a single sum, but there is no loan needed. This is different from some other methods of debt consolidation in Cave Creek, AZ, which use secured loans to pay off the credit card companies. If you take part in a debt management program in Cave Creek, the credit counselor will take care of payment to your creditors every month. Pretty much all you need to do is supply them with just one monthly payment.
Selecting a Credit Counseling Service in Cave Creek, AZ
On the whole, credit counseling and debt management plans have been recognized by the FTC and other federal authorities, but respected credit counseling firms typically have:
- Qualified Advisors
- Authentic References
- Potential Non-Profit Status
- Straight Answers to Any Inquiries
- Gratis Advice (DMP’s do cost money)
- Custom-Made Action Plan
For more information, look at this FTC write-up on the subject. Needless to say, we can help guide you to the perfect counseling or debt management option according to your specific situation.
How Much Could Credit Card Counseling Save You?
Keep in mind that credit counseling is a strategy for managing debt, not settling it, but your credit counseling agency can usually make a deal for reduced APR’s and a lot fewer fees.
Curious to determine how much credit counseling in Cave Creek, AZ, could help you save?
Bankruptcy Counseling: Cave Creek (AZ)
More and more people in Cave Creek have been forced into bankruptcy. We estimate that 13 of Cave Creek’s 23,803 consumers have resorted to bankruptcy.
As dictated by the FTC, you must participate in a credit counseling program prior to declaring bankruptcy. The session must be within six months of when your filing date.
You are not required to go to one of the credit counseling services in Cave Creek, AZ for this. Bankruptcy credit counseling programs for Cave Creek locals can be found on the internet and over the telephone.
Keep in mind that credit counseling post-bankruptcy will be mandated.
For an approved list of approved pre-bankruptcy credit counseling programs for Cave Creek residents, take a look here, and you can get hold of a seasoned credit professional:
Credit Counseling / Debt Management in Cave Creek (AZ)
- AZ Credit Counseling Service? Contact us!