If you have been behind on your credit card debt, combining your credit lines into one easy monthly payment may help.
For a no cost debt estimate, all you need to do is contact us. We can connect you to a debt consolidation agency in Cape Coral, FL, according to how much debt you’re carrying, where you live, and your personal preferences.
Debt Management Plans (DMP): Cape Coral, FL
Do you want to get rid of debt more quickly, with lower annual percentage rates and penalty fees? If so, you may want to sign up for one of the debt management plans in Cape Coral, FL.
This DMP provides numerous advantages:
- Single Monthly Payment
- Lowered Interest Levels
- Fewer Extra Fees
If you are searching for a credit card consolidation company in Cape Coral, FL, this is one of the most economical ways to go. Sign up should cost about $70, and the monthly fee will be $25-40.
Debt Consolidation Loans: Cape Coral, FL
The thinking behind your Cape Coral debt consolidation loan is simple: unsecured bank loans and home equity loans usually carry lower APR’s than whatever you’ve been forking over to your credit card issuers. More often than not, a debt consolidation loan will result in lower monthly bills and a lot fewer calls from debt collectors, since your previous debts will have been cleared.
If you want to profit from a debt consolidation loan, you’ve got to secure very affordable apr’s. This means you need really good credit. Meet with a debt consolidation consultant in Cape Coral, FL, to check which solution will be right for you.
Consolidating Payday Loans in Cape Coral (FL)
If you’re hoping to consolidate your Cape Coral FL payday loans, you’re not alone. Something like 5,364 residents of Cape Coral get cash advances fairly often, and something like 2,360 of these consumers are unable to pay back their cash advance loans – that is nearly half!
Luckily, we can connect you with payday loan consolidation agencies in Cape Coral, FL, who will help you:
- Consolidate multiple cash loans.
- Bring down outrageous payday loan interest levels.
- Set up a budget for repayment.
- Lower collector telephone calls.
Need to free yourself from payday debt?
Assessing Your Debt: Cape Coral, FL
Any Cape Coral debt consolidation professional you talk with will need to find out how much debt you’re carrying that is no secured, meaning it’s not backed by some type of collateral. The most common causes of debt are:
- Credit Cards
- Pay Day Loans
- Other Revolving Credit Balances
Preferably, around 30% of your income will be allotted to repaying what you owe. Such debts include things like both secured and unsecured debts:
- Credit Card Balances
- Vehicle, College, and Payday Loans
- Home Loan Payments
Let’s suppose you make $2,776 per month, the average for Cape Coral residents, then, ideally, you would spend less than $1,027 each month. Sadly, many Cape Coral residents are carrying major debt, recognized by a debt to income ratio (DTI) of more than 50%. That means they are having to spend more than $1,416 a month!
Is your debt load greater than 50%? If that’s the case, you really should talk with a debt consolidation expert in Cape Coral, FL.
Debt Consolidation Companies in Cape Coral, FL
- Imt Credit Services, 8 Del Prado Blvd S, 33990
- Powell, John Rex Attorney – John Rex, Attorney Powell – Rex Powell, Attorney at Law, 1714 Cape Coral Pky E, 33904
- A Neu Chance Credit Repair Service, , 33917