Credit Counseling: Pinon (AZ)

AZ Debt Relief

If you are attempting to find a solid credit counseling company in Pinon, AZ, it’s not just you. About 2,348 people in Pinon are estimated to have less-than-perfect credit or significant debt.

We can connect you to a debt counseling professional who can:

  • Analyze Your Spending habits.
  • Give you a Savings Quote.
  • Guide You to the Best Plan of Action.

Suitable candidates for credit counseling have consistent income, debts in excess of $5,000, and have considered filing bankruptcy.

With credit counseling, you will pay back everything you owe on your accounts, including interest. This is a lot better for your credit score in the end.

Of Pinon’s 7,825 consumers, it’s thought that 289 are presently late on their monthly payments.

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The average income for residents of Pinon is $14,891 a year, or $1,241.00 every month. You need to get hold of a credit counselor if you earn this much and find you are having to pay $534-$621 per month on debts that are secured or unsecured, for example:

  • Bank Cards
  • Loans
  • Payday Loans
  • Mortgage/Rent

An important part of credit counseling is managing debt. A debt management program is a form of debt consolidation, given that the money you owe each month is merged into one monthly amount, but no loan is needed.

Basically, your credit counseling agency will work with your creditors directly.

Normally, debt management programs attempt to have your debts repaid inside of 5 years, sometimes less. Although this shouldn’t make your credit score drop, it is usually difficult to get new a credit line such as a car or home loan. Having said that, if you were to go with debt settlement, your credit ratings would probably be seriously impaired.

Settling on a Credit Counseling Company in Pinon, AZ

As a program, credit counseling and debt management plans have been checked out by the FTC and other governmental authorities. Nevertheless, legitimate credit counseling agencies will ordinarily offer:

  • Around 1 Hour of Basic Advisement
  • No Upfront Costs
  • A Custom-Made List of Action Items
  • Evidence of Qualifications

For details, look at this FTC article on the topic. Don’t be satisfied with a credit counselor that you can’t trust. Let us help you find a reputable Pinon credit counseling firm.

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How Much Will Debt Management Help You Save?

Credit Counseling Pinon AZ

Credit counseling should reduce how much you’re spending, but the precise amount is determined by a number of factors.

To discover exactly how much a DMP could save you, chat with an experienced Pinon credit counselor – today!

Credit Counseling Pinon AZ

Credit counseling companies in Pinon and nationwide are forbidden from charging advance fees, according to the FTC.

How much does a debt management program cost? Normally $25-30 monthly, in addition to an initial fee of around $75.

Many programs will require that you repay 2.5% of your total debt each month.

Consumer Credit Counseling Service: Pinon (AZ)

The National Credit Counseling Foundation (NCFF) is the leading network of consumer credit counseling organizations in Arizona, and their affiliates are normally labeled CCCS, or Consumer Credit Counseling Service. A Consumer Credit Counseling Service in Pinon, AZ, will normally be:

  • A Not For Profit
  • Part of the National Foundation for Credit Counseling (NFCC)
  • Certified by the HUD (Dept of Housing and Urban Development)
  • Approved by The COA (Council on Accreditation)
  • Have CCCS in their Name

Generally a CCCS firm will make available not only consumer credit counseling, but also:

  • Pre/Post Bankruptcy Credit Counseling
  • Home Assistance
  • Debt Management

However, non profit is not to mean cost free. Don’t be surprised to fork out roughly no more than $50 on a monthly basis.

To locate the closest CCCS location in Pinon, AZ, reference the listing of services we’ve published or look at debtadvice.org.

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Christian Credit Counseling Services: Pinon, AZ

Some non-profit credit counseling services in Pinon, AZ, strive to help their clients free themselves from debt according to Christian values. They provide comparable services as regular agencies.

Credit Counseling and Debt Counseling Agencies in Pinon, AZ

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