Credit Counseling: El Mirage (AZ)

AZ Debt Relief

Credit Counseling El Mirage AZAre you finding it challenging just to make your minimum credit card payments regularly? If so, you’ve come to the right place. Here at Debt Relief Arizona, we help our customers determine the debt management and credit counseling programs in El Mirage, AZ that meet their needs.

Credit Counseling in El Mirage AZ

Most individuals interested in credit counseling have the following:

  • $3,5000 in Credit Card Debt
  • Steady Income

With credit counseling, you will pay the full balance owed on your accounts, plus interest, which ends up being much better for your credit score in the end.

We have calculated that 283 of El Mirage’s 7,676 locals are behind on their monthly payments.

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Your ratio of debt to income, also known as DTI, helps to verify whether your finances warrant credit counseling. Let’s look at some statistics based on a salary of $2,818.00 on a monthly basis. For residents of El Mirage, this is an average income.

  • $1,014 (36%): Perfect
  • $1,014 to $1,212 (36-43%): Fine
  • $1,212 to $1,409 (43-50%): Too High
  • $1,409 or more (50%): Serious

Credit Counseling Programs in El Mirage (AZ)

Credit Card Counseling El Mirage AZ

What if you’re paying out $1,409 on a monthly basis, but you only make $2,818.00? If that’s the case, your credit counseling consultant might want you to sign up for a debt management program. Why enroll in a debt management program? Well, you might be able to profit from:

  • More Affordable Rates
  • Reduced Debt Collection Agency Calls
  • Consolidated Monthly Payment
  • Quicker Debt Relief

Your credit counseling company will address paying the credit card companies every month. All you have to do is make sure they get the fixed payment on a monthly basis.

Tips on Avoiding Credit Counseling Scams: El Mirage, AZ

Provided that you hook up with an honest company, credit counseling can help. For that matter, the Federal Trade Commission now requires it for people who want to file bankruptcy in Arizona and across the nation. But good credit counseling companies in El Mirage and across the nation should offer you:

  • 45-60 Minutes of Preliminary Counseling Sessions
  • Zero Upfront Charges
  • A Custom-Made Plan Of Action
  • Accreditation Credentials

To read more, check out this FTC report on how to choose a credit counselor.

It goes without saying, at Debt Relief Arizona, we assist you in finding the best credit counseling or debt management plan according to your unique situation.

How Much Will Debt Management Help You Save?

If your creditors accept your El Mirage credit counselor’s DMP, you’ll get to enjoy more affordable rates, penalties, and lower monthly payments. One of the debt experts we work with can analyze your finances and offer you a quote for how much you could save.

>> Zero Cost Savings Quote

Credit Counseling Pricing: El Mirage, AZ

The FTC prohibits credit counseling services from billing you up-front.

Debt management plans in El Mirage are very inexpensive: $25-$3 on a monthly basis, and the fee is factored into the amount you pay each month.

How much will your monthly payments be? That depends on how much you owe. Ordinarily 2.5% of the amount you owe.

Below is a table that shows how much we’re talking about, based on different amounts of debt.

Debt 2.1% 2.5%
$5000 $105 $125
$10,000 $210 $250
$20,000 $420 $500
$35,000 $735 $875
$40,000 $840 $1000
$50,000 $1050 $1250
$55,000 $1155 $1375
$65,000 $1365 $1625
$75,000 $1575 $1875
$95,000 $1995 $2375

Bankruptcy Credit Counseling: El Mirage (AZ)

We estimate that 4 of El Mirage’s 7,676 residents have filed for bankruptcy.

Within six months of filing for bankruptcy, you need to attend an accredited credit counseling program and obtain a certificate that must be presented during your bankruptcy case. The session can be held:

  • Face To Face
  • On The Phone
  • Online

You will find that some firms are accredited, quite a few aren’t. For an approved list of approved bankruptcy credit counseling programs for El Mirage residents, click on this link, and you can speak with a skilled credit consultant:

El Mirage AZ Credit Counseling

Credit Counseling and Debt Management Agencies in El Mirage (AZ)

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