Did you know it may be possible to pay off your debts and get your life back on track in 3-5 years?
Let us connect you to a debt counseling expert who can provide you with a free debt analysis and affordable plan of action.
Originally, credit counseling was intended to help credit card providers get back money from consumers who were falling behind on their payments. This means virtually all credit card counseling agencies are inexpensive.
Your ratio of debt to income helps to confirm how much you need credit counseling. Here are several stats based around an income of $20,106 yearly. That’s the average in Green Valley.
- $603 (36%): Best
- $603 to $721 (36-43%): Decent
- $721 to $838 (43-50%): Cause for Concern
- $838 plus (50%): Serious
Debt Management Programs in Green Valley, AZ
A vital part of credit counseling is managing debt. With a DMP, your Green Valley AZ credit counselor may able to work out more affordable interest rates and fees from your credit card companies.
You will write a single monthly check to your Green Valley credit counseling firm. They then deliver the proper percentages to each of your creditors.
Tips on Avoiding Credit Counseling Scams in Green Valley, AZ
So long as you work with a good company, credit counseling can help. Indeed, the Federal Trade Commission now mandates it for those who want to file bankruptcy, but honest credit counseling firms in Green Valley, AZ, and throughout the country should grant you:
- Close to 1 Hour of Upfront Guidance
- Zero Advance Charges
- A Custom-Made Plan Of Action
- Evidence of Accreditation
For more information, read this FTC article on the subject.
How Much Will Credit Card Counseling Save You?
Credit counseling should help you save money in a big way, but how much depends on your finances and creditors
Want to discover how soon credit counseling could get you out of debt?
Credit Counseling Pricing in Green Valley, AZ
The counseling component of credit counseling should be cost-free.
How much will a DMP cost? Normally $25-30 each month, besides a setup fee of approximately $90.
How much will your monthly payments be? Generally 2.5% of how much you owe.
Post-Bankruptcy and Credit Counseling in Green Valley, AZ
The down economy hurt everyone, and bankruptcies are rampant in Green Valley and across Arizona. It’s estimated that 10 of Green Valley’s 18,062 residents have found it necessary turn to bankruptcy. Within 180 days of declaring bankruptcy, you have to finish an approved credit counseling program and obtain a certificate to present during your bankruptcy proceedings. You don’t have to work with one of the credit counseling services in Green Valley, AZ. Bankruptcy credit counseling programs for Green Valley consumers can be found on the web and over the telephone.
You will find that some programs are approved, some are not. For an approved list of approved bankruptcy credit counseling agencies for Green Valley residents, click on this link, and you can get hold of an experienced credit consultant by submitting this form.
Credit Counseling / Debt Counseling: Green Valley (AZ)
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