Credit Counseling: Mesa (AZ)

AZ Debt Relief

Finding a good Mesa credit counseling agency could be the first step toward freedom from debt. Want to find out how much credit counseling could save you?

Credit Counseling in Mesa AZ

Mesa credit counseling pros help consumers struggling financially by:

  • Showing them how to manage their money more efficiently.
  • Offering answers to current credit challenges.
  • Sending checks to the credit card companies each and every month.

There are 427,939 people residing in Mesa, AZ, and we believe that 15,783 can no longer afford their revolving credit payments month after month.

>> Get a No Obligation Credit Counseling Assessment!

The average income for people in Mesa is $28,014 each year, or $2,335.00 on a monthly basis. You need to get in touch with a credit counselor if you make this much and find you are forking out $1,004-$1,168 every month on debts that are secured or unsecured, for example:

  • Credit Cards
  • All Loans – Car, Cash Advance, Home
  • Mortgage/Rent

An essential component of credit counseling is managing debt. A DMP is a way of consolidating debt, as the money you owe on a monthly basis will be consolidated into one monthly sum, but no loan is needed. This is different from various other types of debt consolidation in Mesa, AZ, which use secured loans to pay back your debts. You don’t need to converse with your creditors. Your credit counseling expert will manage this.

How to Avoid Credit Counseling Scams in Mesa (AZ)

Assuming that you hook up with a reputable agency, credit counseling can really help. Believe it or not, the Federal Trade Commission now mandates it for individuals who want to file bankruptcy in Arizona and countrywide, but respected credit counseling organizations will ordinarily provide you:

  • Around 1 Hour of Introductory Counseling
  • No Initial Costs
  • A Customized Action Plan
  • Evidence of Certification

To find out more, look at this FTC post on the subject.

Credit Counseling Mesa AZ

Everything you owe needs to be repaid, but your credit counselor will usually be able to make a deal for cheaper APR’s and penalties.

Let a skilled credit specialist check out your finances and present you with a savings estimate.

Non-Profit Credit Counseling Service in Mesa (AZ)

The state’s biggest not for profit credit counseling organization is the NFCC. Their network is labeled Consumer Credit Counseling Service, or CCCS. In Mesa, Arizona, a Consumer Credit Counseling Service will generally be a local nonprofit organization that’s a member of the NFCC. More often than not a CCCS agency will make available not just consumer credit counseling, but also Mesa bankruptcy counseling for Mesa consumers, along with housing assistance and money management guidance. Be prepared to shell out approximately no more than $50 every month. To locate the CCCS agency closest to Mesa, AZ, please have a look at the directory of Mesa credit counseling services on our site. As an alternative, you can search the NCFF agency directory by going here

>> Get a No Cost Debt Assessment

Credit and Debt Counseling Agencies in Mesa, AZ

  • Cisco Credit, 2815 S Alma School Rd, #109, 85210
  • Consumer Credit Counseling, 1234 S Power Rd, 85206
  • Consumer Credit Counseling Services, 1234 S Power Rd, #100, 85206
  • Dulaney Consulting & Associates, 1850 S Alma School Rd, 85210
  • Dun & Bradstreet – Marketing Services- Credit Services- Receivable Management Serv, 1201 S Alma School Rd, 85210
  • Greenpath Debt Solutions, 1616 E Main St, 85203
  • Northstar Financial Group, 1640 S Stapley Dr, #133, 85204
  • LLS Bankruptcy Attorneys Mesa, 2036 N Gilbert Rd, #1, 85203
  • Pew Law Center, 1811 S Alma School Rd, #260, 85210
  • Judgment Support Services, Po Box 21673, 85221
  • Credit Card Debt Consolidation Mesa, 3850 E Baseline Rd, 85206
  • Mesa Debt Consolidation Experts, 271 N Center St, 85201