Can’t afford the minimum payment on your credit cards on a monthly basis? Well then you may want to enlist the services of a credit counseling company in Flagstaff, AZ.
We can match you with a credit counseling agency based upon:
- Where You Live
- Your Credit Debt
For starters, request your no obligation evaluation. It’s quick, simple, and totally free.
Credit Counseling Considerations
Suitable individuals for credit counseling have the following:
- Owe at Least $3,5000
- Ability to Allocate $250-$300 Toward Monthly Payments
- Sincere Ambition to Get out of Debt
Over time, credit counseling is much better for your fico scores than a debt negotiation program, given that you pay off everything you owe.
We have calculated that 2,677 of the 72,574 inhabitants of Flagstaff are not able to afford their revolving credit payments each month.
When You Should Schedule a Consultation: Flagstaff (AZ)
How much you earn compared to how much you owe? Calculating this is straightforward. Why don’t we have a look at a few data consistent with an income of $24,605 annually, Flagstaff’s average:
- $738 (36%): Great
- $759 to $861 (37-42%): Acceptable
- $882 to $1,025 (43-50%): Too High
- $1,025 or more (50%): Serious
Managing Debt in Flagstaff, AZ
Have you got more than $10,000 in medical or credit card debt or have monthly payments for rent, loans, or credit cards that take up 50 percent your earnings? Then your credit counseling professional could possibly say that you need to enter into a DMP, or debt management plan. A DMP is a means of consolidating debt, because the money you owe each month will be merged into a single payment, but no loan is required. You don’t need to talk to your creditors. Your credit counselor will manage this end of things.
Finding a Credit Counseling Company: Flagstaff (AZ)
As long as you find a good organization, credit counseling can be very effective. Believe it or not, the Federal Trade Commission now mandates it for those who want to file bankruptcy not only in Arizona, but nationwide. Nonetheless, be wary of any credit counselors that advertise they are able to:
- Halt all debt collection calls
- Take away adverse items from your credit file
- Reconcile secured debt
- Erase debt through some government program
- Prevent credit card issuers from taking legal action against you
- Impose a fee upfront for their expertise
To find out more, check out this FTC guide on the subject.
A lot of folks foolishly believe that credit counseling is worthless because it can’t eliminate your overall debt, but they don’t realize that a DMP should reduce your interest rates – a good way to save money. Credit counseling saves you time and cash. Learn more today.
Non-Profit Credit Counseling Services in Flagstaff (AZ)
The NFCC (National Credit Counseling Foundation) is the number one network of non profit credit counseling organizations in Arizona. Affiliates are normally often called CCCS, or Consumer Credit Counseling Service. In Flagstaff, Arizona, a Consumer Credit Counseling Service will usually be a local nonprofit firm that is a affiliated with the National Foundation for Credit Counseling. Quite often a CCCS agency will offer not only consumer credit counseling, but also:
- Bankruptcy Counseling
- Home Assistance
- Credit Rating Evaluations
- Debt Management
Typically, not for profit credit counseling in Flagstaff, AZ, doesn’t translate to no cost. Be ready to pay out roughly no more than $40 a month. To find the CCCS agency nearest to Flagstaff, AZ, please research the list of services we offer or browse the official NCFF homepage.
Credit Counseling / Debt Counseling: Flagstaff, AZ
- Cccs-Consumer Credit Counseling Services, 2615 N 4th St, 86004
- AAA American Credit Bureau Inc, 1901 N East St, 86004
- A American Debt Consolidation, 123 N Leroux St, 86001
- CCCS (A Division of MMI), 2615 N 4th St, #2, 86004