Has your credit debt been stacking up? Well then you’ve come to the right place. We’ve got analysts ready to review your finances and estimate how much you could save through credit counseling and debt management.
Suitable candidates have steady work, debts of over $3,000, and the ability to pay back 2.5 percent of their outstanding debts month after month.
Long term, working with a respected Brandon credit counselor is much less damaging to for your credit score than debt settlement, as you never stop paying your credit card companies.
Analyzing Your Monthly Debt
Do you spend more than 1/2 the money you earn on loans, rent, and credit cards? In that case, don’t hesitate to find professional guidance as quick as you can. For the average Brandon card-holder that has an income of $25,589 a year, this is more than $1,066 each month.
Have you got at least $10K of debt or have monthly payments related to rent, loans, or credit cards that take up more than 50% your pay? You might need to enroll in a DMP, or debt management program. Why consider a DMP? Well, you might benefit from:
- Lowered APR’s
- Reduced Debt Collection Phone Calls
- One Monthly Payment
- Faster Freedom From Debt
Each and every month, you will send a single amount to your Brandon credit counselor, and they will allot the funds among each of your creditors.
Settling on a Credit Counseling Agency in Brandon, FL
So long as you find a good company, credit counseling can certainly help. Believe it or not, the FTC now requires it for those who want to file bankruptcy in Florida and nationwide. But honest credit counseling companies in Brandon, FL, and throughout the country will traditionally furnish you with:
- Approximately 1 Hour of Basic Advisement
- Zero Costs in Advance
- A Tailor-Made Action Plan
- Certification Qualifications
Remember that non profit status isn’t going to necessarily mean that a credit counseling firm is honest, and the opposite is true as well. If you let us get you a totally free evaluation, you can be more confident that you are dealing with one of the more legitimate debt management agencies your area.
How Much Could Credit Counseling Help Save?
Some people incorrectly assume that credit counseling is pointless simply because it doesn’t slash the debt you owe, but they don’t realize that a DMP can lower your rates of interest, which is a highly effective way to save money.
To see what amount a DMP could save you, you need to consult a highly trained credit counselor in Brandon, FL – today!
Non-Profit Credit Counseling Service: Brandon (FL)
Florida’s chief non profit credit counseling service is the NFCC, and their network is often called CCCS, or Consumer Credit Counseling Service. A Consumer Credit Counseling Service in Brandon, FL, will usually be a local not for profit which carries the NFCC seal. Usually a CCCS organization will supply much more than just credit counseling. They’ll have also:
- Pre/Post Bankruptcy Credit Counseling for Brandon Residents
- Home Assistance
- Money Management Courses
Be prepared to shell out roughly a maximum of $40 per month.
To discover the CCCS location closest to Brandon, FL, check the directory of services we provide. As an alternative, you can look at www.debtadvice.org.
Debt Management and Credit Counseling Agencies: Brandon (FL)
- Accuracy Consumer Services, 776 W Lumsden Rd, #106, 33511
- American Credit Center Llc, 525 Wilbur St, 33511
- Network Credit Services, 1463 Oakfield Dr, #133, 33511
- A American Credit and Debt Counseling Service, 2105 W Brandon Blvd, 33511
- Delta Credit Restoration, PO Box 4296 33503
- Network Credit Service, 1463 Oakfield Dr, 33511