We could help you combine all of your credit card and/or payday loan debt into one simple monthly payment.
To speak to a debt consolidation expert, just contact us. FL Debt Consolidation can match you with a debt consolidation agency considering how much debt you’ve got, where you live, and your personal priorities.
There are approximately 3,014 people in Palm Coast who could use debt consolidation, and most of them would be best served by a debt management plan.
Debt management plans make it easier to pay off 100% of what you owe with a single payment amount, along with lower interest rates, monthly payments, and penalty fees. Most of the time your card companies or payday lenders begins giving you these perks after you make three successive payments. Also, these types of programs are usually pretty cheap. Registration should cost about $70, and the monthly fee will be $25-40.
Debt Consolidation Loans in Palm Coast, FL
When you have a good credit record, you can probably obtain a debt consolidation loan to repay what you owe.
If you get a debt consolidation loan in Palm Coast, FL, you should enjoy lower monthly payments and fewer calls from debt collectors. Since of course, your former debts will have been paid in full.
When you’ve got a bad credit report, this may not be the way to go, as excellent credit is necessary to secure one of these loans with rates of interest that are sufficiently low. If you would like consolidate your debt, you really need to get in touch with one of our debt professionals.
Consolidating Payday Loans in Palm Coast (FL)
On account of the economic recession, many Palm Coast consumers have been taking out payday loans. Of the 35,958 people in Palm Coast, about 1,870 end up with at least one payday advance each year. Lamentably, around 1,421 of these individuals have got at least one more of these high-interest loans. That’s just shocking. It’s more than 3 in 4 borrowers!
Luckily, we work with Palm Coast FL payday loan consolidation agencies that will help you consolidate your payday loans into just one payment per month, manage telephone calls from loan companies, and scale back the excessively high interest rates attached to these kinds of loans.
Would you like to find out more about payday loan laws and regulations in Florida? To learn more, have a look at this site.
How much credit debt do you owe? In a perfect world, your monthly debt payments ought to comprise around a third of your income. Such debts include things like credit cards, car/student/payday loans, and rent/home loan repayments. For instance, if you earn $1,400 a month, which is about average average for Palm Coast residents, then, ideally, you would spend roughly $504 each month. Having said that, many Palm Coast residents are carrying considerable debt, with a debt to income ratio of more than 50%. They’re having to spend more than $700 every month!
If your debt load is higher than 50%, you might want to get in touch with a debt consolidation consultant in Palm Coast, FL.
Avoiding Debt Consolidation Scams: Palm Coast (FL)
Staying clear of disreputable debt consolidation companies isn’t hard, if you know how the industry works. Steer clear of any agencies that:
- Want you to pay in advance
- Aren’t able to offer testimonials
- Haven’t got licensed debt professionals
- Declare that they don’t have an impact on your FICO ratings
- Declare that government programs can forgive your debt
- Can’t provide you with how their program works
- Misrepresent their results
- Do not have a solid BBB (Better Business Bureau) review
- Make you open up a bank account you don’t manage
Avoid any debt consolidation agencys in Palm Coast, FL, which have a history of disreputable conduct.
Payday Loan and Credit Card Consolidation Providers in Palm Coast (FL)
- Florida Debt Consolidation Company? Contact us!