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Credit Counseling: Deltona (FL)

Credit Counseling Deltona FL If you are looking for a solid credit counseling company in Deltona you’re not the only one. More than 2,678 Deltona residents are thought to be past due on their debt payments. Here at FL Debt Consolidation, we allow our clientele to get a zero cost, personalized debt assessment from a specialist in their area.

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Debt management and credit counseling organizations are effectively rewarded by whomever you owe money to, so the pricing is usually very reasonable, from $0-35 a month.

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Analyzing Your Debt

The average salary for people in Deltona is $19,908 a year, or $1,659 a month. You need to talk to a credit counselor if you make $1,659 and are having to pay $713-$830 monthly on debts like rent, mortgage, loans, and credit cards.

What if you’re having to pay $830 on a monthly basis, but you only earn $1,659? Then your credit counseling specialist could very well want you to participate in a debt management plan or DMP. If you take part in a DMP, you might be able to profit from:

  • Lower Rates
  • Fewer Debt Collector Phone Calls
  • Single Monthly Repayment
  • Quicker Debt Relief

You don’t need to speak with your creditors. Your credit counseling expert will manage things from this angle.

Credit Factors For Deltona Residents

Credit Card Counseling Deltona FL

Bear in mind that credit counselors can help you clear your debts more quickly and with a lower interest rate. However, you will still be paying down your entire debt. Though a debt settlement would help reduce your total credit card debt, it may annihilate your credit rating.

Selecting a Credit Counseling Agency: Deltona (FL)

Credit Counseling Deltona FL

As an industry, credit counseling and debt management plans have been checked out by the FTC and other federal authorities. But here’s how to be certain that your Deltona credit counseling provider is recommended:

  • Demand references
  • Check their accreditation
  • Make certain that your consultant is competent

Remember that being a not-for-profit does not guarantee that a credit counseling organization is bonafide, and for profit does not necessarily mean they’re disreputable.

How Much Could Credit Card Counseling Help You Save?

Everything you owe will have to be repaid. Luckily, your creditors may agree to waive penalty fees and reduce annual percentage rates under a DMP.

To find out just how much a DMP could save you, you need to contact a skilled Deltona credit counselor – today!

The counseling portion of credit counseling should be complimentary, although some counselors ask for voluntary donations. How much will a DMP cost? Typically $25-30 each month, in addition to an initial fee of about $90.

In a DMP, the money you shell out each month paying off your credit balances is usually similar to your minimum credit card payment: 2.5%.

The following is a top level view of how much you may be required to pay, given varying amounts of total debt.

Debt 2.1% 2.5%
$15,000 $315 $375
$30,000 $630 $750
$40,000 $840 $1000
$45,000 $945 $1125
$60,000 $1260 $1500
$70,000 $1470 $1750
$90,000 $1890 $2250
$95,000 $1995 $2375

Non-Profit Credit Counseling Service: Deltona, FL

The NFCC (National Credit Counseling Foundation) is the premier network of non-profit credit counseling agencies in Florida, and their agencies are typically recognized as CCCS, or the Consumer Credit Counseling Service. In Deltona, Florida, a Consumer Credit Counseling Service will normally be a non profit agency which carries an NFCC seal. Generally a CCCS firm will offer:

  • Pre/Post Bankruptcy Counseling
  • Housing Assistance
  • Money Management Seminars

To find the closest CCCS office in Deltona, FL, research the listing of firms we offer. As an alternative, you can perform a seach on the NCFF member directory by going here

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Credit and Debt Counseling Agencies: Deltona, FL

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