We connect people in Clearwater, FL, with debt consolidation advisors who assist them to:
- Consolidate their payment amounts
- Reduce or lock up their rate of interest
- Limit collection agency calls
Consolidation can mean two differing types of debt relief:
- Debt Management Programs (DMP’s)
- Debt Consolidation Loans
An experienced debt consolidation specialist can help you decide which choice is best for your needs.
Debt Management in Clearwater (FL)
Of the 15,377 residents of Clearwater who need debt relief, most would benefit from a debt management plan above all else. A DMP provides a lot of advantages:
- Consolidated Payment Per Month
- Less Expensive Annual Percentage Rates
- Forgiven Late Payment Fees
Additionally, this is one of the cheapest methods of consolidating credit and payday loan debt in Clearwater, FL, just $25-40 each month.
Clearwater, FL Debt Consolidation Loans
The basis for debt consolidation loans is simple: loans from a traditional loan company normally come with less expensive rates of interest than credit cards. Most of the time, a debt consolidation loan will lead to more affordable monthly payments and a lot fewer calls from collections companies. Since of course, your former debts will have been paid off.
Many people try and pay down what they owe with home equity loans, seeing as there are tax benefits to this strategy. But keep in mind, because this sort of loan is leveraged by your own home, the bank or loan company could foreclose on your home if you are past due on your payments. Speak to a debt consolidation expert in Clearwater, FL, to see which debt relief solution is best for you.
Consolidating Payday Loans in Clearwater, FL
If your payday loan debt has been increasing, it’s not just you. Something like 9,540 people in Clearwater get cash advances fairly often, and approximately 7,250 of these borrowers are borrowing again and again on the original amount. Can you believe it? We’re talking more than 75%! Have you found yourself delinquent on a number of payday loans? That’s alright, there are payday loan consolidation firms in Clearwater, FL, who can consolidate your Clearwater payday loans into just one monthly payment, manage calls from debt collectors, and decrease the excessively high interest charges you can expect from these kinds of loans.
Do you need to have a look at payday lending regulations in Florida? For details, go to this webpage.
In a perfect world, not more than 33% of your income will be allocated toward paying back what you owe. These debts encompass credit cards, automobile/student/payday loans, and rent or mortgage payments. Consider how this works for the average consumer in Clearwater, FL:
- Income Per Year: $28,416
- Monthly Income: $2,368
- Ideal Debt Load: $852
- Severe Debt Load: $1,184
Debt load in excess of 50%? In that case, you really should contact a debt consolidation expert in your area.
Credit Card Debt Consolidation Guidelines
You should not work with any Clearwater debt consolidation organizations if they:
- Want you to pay in advance
- Cannot provide you with references
- Haven’t got qualified counselors
- Advertise thata their programs won’t have an impact on your FICO
- Declare that government programs will erase your debt
- Can’t disclose how their service works
- Has a negative BBB (Better Business Bureau) review
Please don’t be part of a program that’s got a bad reputation.
Payday Loan and Credit Card Debt Consolidation Providers in Clearwater, FL
- Pappas George G PA, 2725 Park Dr, 33763
- Essential Credit Solutions, P.O. Box 4237, 33758
- Us Debt Relief Inc, 2744 Summerdale Dr, 33761
- Rodrigues, David CPA – Debt Management Solutions, LLC, 101 S Missouri Ave, #Ave-3, 33756
- Lawson, Carol Esq – Carol A Lawson PA, 2205 N Hercules Ave, 33763
- A American Debt Consolidation, , 34698
- Weller, Jay – A Bankruptcy Attorney, 18820 Us-19 N, Ste 200, 33764
- Gary H Baker, PA, 2963 Gulf to Bay Blvd, #100, 33759
- Weller Legal Group, 18820 Us-19 N, 33764
- One Stop Shop Financial Services, 300 S Duncan Ave, #260, 33755
- Consumer Credit Counseling, 2430 Gulf to Bay Blvd, 33765
- Help Is Here Foreclosure Prevention & Credit Repair, 601 Cleveland St, #360, 33755