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Credit Counseling: Clewiston (FL)

Suppose it were possible to greatly reduce your rates and debt collection calls. We have advisors standing by to evaluate your state of affairs and figure out how much you could save through credit counseling and debt management.

>> How Much Could Credit Counseling Help You Save? Find out!

For the most part, consumers interested in credit counseling have stable work, unsecured debts of more than $3K, and have thought about filing bankruptcy.

In the end, credit counseling does much less damage to your credit score than debt negotiation because you pay back everything you owe.

We have calculated that 672 of Clewiston’s 18,227 locals may need credit counseling.

>> Get Your Free Obligation Debt Estimate!

Lenders want to know how much you earn, how much you owe. This is the core of everything. There are standards that will show you what sort of financial predicament you’ve gotten yourself into.

Wages DTI Debt Seriousness
$2,774 Less than 36% $999 or less Best
$2,774 36%-43% $999-$1,193 OK
$2,774 43%-50% $1,193-$1,387 Too High
$2,774 50% Plus $1,387 or More Contact a Professional!

Credit Counseling Plans in Clewiston (FL)

Debt Counseling Clewiston FL

If you’re in considerable debt, your credit counselor will probably recommend that you take part in a debt management program (DMP). A debt management plan is a method of debt consolidation, because your monthly payments will be combined into just one payment, but no loans are required.

You will no longer have to speak to your creditors, since the credit counselor will take care of this.

Avoiding Credit Counseling Scams: Clewiston, FL

Credit Counseling Clewiston FL

Assuming that you are dealing with a good organization, credit counseling can help. In fact, the FTC now mandates it for individuals filing bankruptcy in Florida and across the nation. But you should make perfectly sure that any credit counselor, is an honest one. You can do this in many ways, for example reviewing their customer feedback, looking at their certification status, and reviewing their Better Business Bureau page.

To read more, check out this FTC guide on how to choose a credit counselor.

If you let us arrange a totally free analysis, you can be more certain that you’ll be matched up with one of the better debt management services your area.

Many people mistakenly reckon that credit counseling is worthless because it can’t reduce your overall debt, but they don’t realize that a DMP could reduce your interest levels, which can be a highly effective way to lower your costs.

To find out exactly how much you could save, get in touch with a veteran Clewiston credit counselor – right now!

>> Get a Zero Cost Savings Quote

How much will a DMP cost? Generally $25-30 each month, together with a setup fee of about $75. As far as the actual payments, you’ll normally have to submit a payment of 2.1-2.5% each month to your credit counseling firm. Let’s look at a table that shows how much your monthly payments would be, given differing degrees of consumer debt.

Debt 2.1% 2.5%
$5000 $105 $125
$10,000 $210 $250
$15,000 $315 $375
$20,000 $420 $500
$25,000 $525 $625
$30,000 $630 $750
$35,000 $735 $875
$40,000 $840 $1000
$45,000 $945 $1125
$70,000 $1470 $1750
$80,000 $1680 $2000
$85,000 $1785 $2125
$90,000 $1890 $2250
$95,000 $1995 $2375
$100,000 $2100 $2500

Consumer Credit Counseling Services: Clewiston, FL

The NFCC is the number one network of consumer credit counseling agencies in Florida, and their agencies are typically often called CCCS, or the Consumer Credit Counseling Service. In Clewiston, Florida, a Consumer Credit Counseling Service will usually be a non profit that’s a member of the NFCC. Generally a CCCS organization will provide not only nonprofit credit counseling, but also:

  • Bankruptcy Counseling for Clewiston Residents
  • Housing Counseling
  • Money Management Seminars

To discover the CCCS agency that’s closest to Clewiston, FL, check the listing of services this site offers. As an alternative, you can check out www.debtadvice.org.

>> Chat with a Debt Expert Now

Debt and Credit Counseling: Clewiston (FL)

  • Florida Credit Counseling Company? Contact us!