At Florida Debt Consolidation, we match people in Safety Harbor, FL, with debt consolidation advisors whose mission is to:
- Combine their payment amounts
- Reduce or lock up their interest
- Reduce debt collection calls
If you enlist the assistance of a debt consolidation consultant, you should repay all of your debt, but you should only have one monthly payment.
Are you ready to get out of debt? Get in touch with a debt consolidation firm in Safety Harbor, FL. It’s free!
Safety Harbor consumers usually choose to consolidate their debts into a debt management plan.
These plans, ordinarily associated with a credit counseling firm, enable you to pay back your credit card issuers entirely through a single payment per month, along with more affordable rates, installment payments, and service fees. Most of the time your card issuers or lenders start offering these benefits following you send them three consecutive monthly payments.
If you are looking for a debt consolidation company in Safety Harbor, FL, this is among the most inexpensive ways to go. Sign up should cost about $70, and the monthly fee will be $25-40.
Safety Harbor (FL) Debt Consolidation Loans
The funds from a debt consolidation loan are used to pay off your credit card balances.
As opposed to delivering payments to a range of credit card providers every month, you’ll simply need to worry about your monthly installment.
When you have a low credit score, this is probably not the way to go, as exceptional credit is needed to receive one of these loans at interest rates that are low enough. Speak to a debt consolidation consultant to determine which solution will be right for you.
Consolidating Payday Loans in Safety Harbor, FL
Payday loans have been gaining popularity because of the economic climate. We estimate that 944 people in Safety Harbor get payday cash advances at least one time per year, and something like 415 of these men and women find themselves delinquent their payday advances. This is quite a few consumers who need to consolidate their Safety Harbor payday loans! Have you found yourself past due on one or more cash advance loans? That’s okay, we can help you find Safety Harbor FL payday loan consolidation agencies who can help you consolidate your payday loans with one single payment per month, serve as a barrier for phone calls from lenders, and scale back the inflated interest rates you can expect from payday loans.
Do you want to learn more about payday lending guidelines in Florida? For more information, have a look at this page.
When to Consolidate Your Debt
Debt consolidation professionals in Safety Harbor, FL will want to learn how much debt you have that is unsecured. That means it’s not supported by an asset of some sort or other. The most typical types of debt every month are:
- Credit Cards
- Payday Loans
- Store Cards
- Rent/Mortgage Payments
- Healthcare Expenses
- Other Credit Accounts
Ideally, your monthly debts will take up roughly 33% of your income. These debts incorporate both secured and unsecured debts:
- Credit Card Accounts
- Vehicle, College, and Payday Loans
- Rent or Home Loan Payments
For instance, let’s say you make $4,147 every month, which is about average average for Safety Harbor residents, then, in a perfect world, you would spend no more than $1,493 a month. Of course, many Safety Harbor residents are in substantial debt, indicated by a debt to income ratio of 50% or more. That means they are spending more than $2,074 every month!
How bad is credit card debt in Safety Harbor, FL? We estimate that 1,522 of Safety Harbor’s 18,156 residents need debt relief.
Debt Consolidation Scams
As outlined by the FTC, your Safety Harbor FL debt consolidation consultant must:
- Fully describe all prices and fees.
- Say how many weeks it will be until they contact each lender.
- Explain how much you need to save before they will call every lender.
- Make clear any risk for your credit score.
Never enroll in a program that’s got a bad reputation.
Debt Consolidation Companies in Safety Harbor (FL)
- Florida Debt Consolidation Company? Contact us!