Are you working to pay off your credit card debt and get your financials back in line? Well then we can help. Here at Debt Relief Arizona, we help Arizona our users find the Page credit counseling agency they need.
A seasoned credit counselor in Page can teach you ways to manage your debts, work out your present financial complications, and become debt free.
Of Page’s 10,493 consumers, as many as 387 are in need of credit counseling.
If your ratio of debt to income is higher than 50%, you need to find professional assistance as soon as possible. For the average Page card-holder who has a salary of $30,772 per annum, this is $1,282 or more each and every month.
Debt management is often associated with with credit counseling. Why should you participate in a debt management program? First of all, you may be able to take advantage of:
- Reduced Credit Card Rates
- Fewer Debt Collection Calls
- One Payment Amount
- Speedier Debt Relief
In essence, your credit counselor will deal with your creditors directly.
Identifying Credit Counseling Shams: Page (AZ)
By and large, credit counseling and debt management plans have been checked out by the FTC and other governmental authorities, but watch out for any credit counselors that advertise that they can:
- End all debt collector calls
- Take away damaging things from your credit profile
- Ensure the elimination of unsecured debt
- Charge a fee ahead of time for their products and services
For additional information, read this FTC article on the subject.
Keep in mind, at Debt Relief Arizona, we help you find the most suitable counseling or debt management solution based upon your distinct needs.
It’s hard to tell just how much it’s possible to save from credit counseling, but your creditors may agree to waive penalties and reduce rates under a debt management program.
Ready to discover how much credit counseling in Page, AZ, could help you save?
Credit Counseling Costs in Page, AZ
Although credit counseling is often free of charge, DMP’s require fees each month.
How much does a debt management program cost you? Generally $25-30 per month, on top of an initial fee of roughly $90. With a DMP, the money you set aside each month to paying off your credit card debt is generally equal to your minimum credit card payment: 2.5%.
Bankruptcy Counseling in Page, AZ
The downturn hurt everybody, and bankruptcies are rampant in Page and across Arizona. It’s estimated that 6 of Page’s 10,493 consumers have filed for bankruptcy.
As dictated by the FTC, you must go through a pre-bankruptcy Page credit counseling course before you can actually file for bankruptcy. The session needs to be within half a year of when your filing date.
Programs can take place:
- One On One
- By Phone
The program ordinarily lasts an hour and a half, and may cost approximately $50, but the charge must be waived if you can’t afford it.
Consumer Credit Counseling Service in Page, AZ
Nationwide, the biggest non profit credit counseling provider is the NFCC, and their network is known as CCCS, or Consumer Credit Counseling Service. A Consumer Credit Counseling Service in Page, AZ, will usually be:
- A Not For Profit
- Member of the National Foundation for Credit Counseling (NFCC)
- Qualified by the HUD (Dept of Housing and Urban Development)
- Endorsed by The COA
- Have CCCS in their Domain Name
Quite often a CCCS firm will offer not only consumer credit counseling, but also Page bankruptcy credit counseling for Page consumers, not to mention housing assistance and money management counseling sessions. However, non profit does not always mean free of charge. Don’t be surprised to fork out roughly at the most $50 every month.
To locate the CCCS office that’s closest to Page, AZ, please reference the list of Page credit counseling agencies we provide or use the NCFF locator service: http://www.nfcc.org/FirstStep/firststep_01.cfm
Credit Counseling / Debt Counseling in Page (AZ)
- AZ Credit Counseling Service? Contact us!