Credit Counseling: Prescott (AZ)

AZ Debt Relief

Are you hoping to get your credit back on the right track? If so, you’ve come to the right place.

We connect you with debt management and credit counseling companies in Prescott to help you get the debt relief you need.

Any good credit counseling consultant in Prescott, AZ should be able to help you:

  • Consolidate Your Monthly Payments
  • Obtain Reduced Rates of Interest
  • Avoid Creditor Harassment
  • Create a Detailed Monthly Budget

>> Get a No Obligation Debt Estimate!

How much you make, how much you owe? The calculations are straightforward. Why don’t we consider a few data based around a salary of $1,173.00 on a monthly basis, Prescott’s average:

  • $422 (36%): Perfect
  • $422 to $504 (36-43%): Decent
  • $504 to $587 (43-50%): Risky
  • $587 or higher (50%): Acute

Debt Counseling Programs: Prescott, AZ

Managing debt is practically synonymous with credit counseling. With a DMP, your Prescott AZ credit counseling agency may able to get more affordable interest rates and better terms from the firms you borrowed from. Your credit counselor will take care of payment to your creditors each month. The only thing you’ll have to do is give them the fixed monthly payment.

Avoiding Credit Counseling Ripoffs: Prescott (AZ)

Credit Counseling Prescott AZ

On the whole, credit counseling has been recognized by the Federal Trade Commission and other federal regulators. But beware of any credit counselors in Prescott that say they can:

  • Put an end to all collections calls
  • Get you out of debt by means of a new federal program
  • Promise the removing of credit card debts
  • Impose a fee in advance for their expertise

Don’t forget that non profit status does not always mean that a credit counseling company is legit, and the opposite is true as well. If you give us a call for a free evaluation, you can be more certain that you’ll be talking to one of the more effective credit counseling companies your area.

>> Discover Credit Counseling Programs

How Much Could Debt Management Help You Save?

Some people incorrectly reckon that credit counseling is worthless simply because it cannot reduce the debt you owe, but they don’t understand that a DMP should decrease your interest levels, which can be a powerful way to save money.

A quick evaluation of your finances is essential to provide an exact savings estimate.

Fees Charged By Credit Counseling Agencies in Prescott, AZ

Though not free, managing debt is a low-priced solution for most Prescott residents. Enrollment typically costs less than $75, and a monthly charge of $40 or less.

With a debt management program, the money you shell out each month paying back your debt is usually equivalent to the minimum payment on your credit cards: 2.5%.

The following is a table showing you how much you may be expected pay, given differing degrees of unsecured debt.

Debt 2.1% 2.5%
$10,000 $210 $250
$20,000 $420 $500
$25,000 $525 $625
$30,000 $630 $750
$35,000 $735 $875
$40,000 $840 $1000
$55,000 $1155 $1375
$60,000 $1260 $1500
$65,000 $1365 $1625
$75,000 $1575 $1875
$85,000 $1785 $2125
$95,000 $1995 $2375
$100,000 $2100 $2500

Credit Counseling for Bankruptcy in Prescott, AZ

The economic downturn hurt everyone, and bankruptcies are way up in Prescott and across Arizona. Of the 47,209 residents of Prescott, it’s estimated that 25 have had to go into bankruptcy.

As of 2005, anyone in Prescott who wants to file for bankruptcy must first acquire an official document demonstrating that they participated in an approved credit counseling course in Prescott, AZ. You don’t have to enroll with one of the credit counseling agencies in Prescott, AZ. Bankruptcy credit counseling services for Prescott filers are available on the internet and by phone.

The program usually costs $50.

To find approved Arizona credit counseling programs, click on this link, and you can talk to a qualified credit advisor:

Credit Counseling in Prescott AZ

Non-Profit Credit Counseling Service: Prescott (AZ)

Consumer Credit Counseling Prescott AZ

Nationally, the largest non profit credit counseling provider is the NFCC, and their network is identified as the Consumer Credit Counseling Service, or CCCS. In Prescott, Arizona, a Consumer Credit Counseling Service will generally be a not for profit that is a endorsed by the National Foundation for Credit Counseling. Typically a CCCS organization will make available:

  • Post/Pre Bankruptcy Credit Counseling
  • Home Assistance
  • Financial Education Programs

Be ready to fork out around $35 on a monthly basis. To locate the CCCS location that’s nearest to Prescott, AZ, please check the listing of Prescott credit counseling services we provide or do a seach on the NCFF locator service by clicking here

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Credit and Debt Counseling Agencies in Prescott (AZ)

  • Consumer Credit Counseling Services, 1215 Gail Gardner Way, 86305
  • Simple Solutions Credit Consulting, 747 Whipple St, 86301
  • The Credit Key Inc, 240 S Montezuma St, #105, 86303