Signing up with a respected Haines City credit counseling service could be the first step toward freedom from debt. We help people get the credit counseling and debt relief they need.
Credit counseling programs can help their clients by:
- Showing them how to manage their debts more effectively.
- Managing collections companies one-on-one.
- Making certain cards are paid every month.
Your debt to income ratio helps to assess if you need credit counseling. Have a look at some estimates consistent with an income of $15,401 annually, the Haines City average:
- $462 (36%): Ideal
- $462 to $552 (36-43%): Okay
- $552 to $642 (43-50%): Problematic
- $642 or more (50%): Excessive
Haines City (FL) Debt Management Programs
If you’re in substantial debt, your credit counselor will probably want you to take part in a debt management plan (DMP). As part of a DMP, your Haines City FL credit counselor may able to obtain reduced APR’s and penalties from the companies you owe.
Your credit counseling specialist will work with your creditors directly.
Avoiding Credit Counseling Shams in Haines City (FL)
As long as you hook up with a reputable company, credit counseling can be an attractive alternative to bankruptcy. In point of fact, the Federal Trade Commission now requires it for people declaring bankruptcy not just in Florida, but across the country, but respected credit counselors should ensure that you get:
- About 1 Hour of Preliminary Counseling Sessions
- Zero Advance Charges
- A Custom-Made Action Plan
- Accreditation Qualifications
Bear in mind, being a not-for-profit isn’t going to always mean that a credit counseling company is respectable, and the opposite is true as well.
Just how much that credit counseling could save you depends upon your specific situation financially, but you might not need to pay as much on a monthly basis as you are used to paying, as long as your credit card providers agree to the terms of your debt management program. A simple evaluation of your financial situation is needed to provide a definitive savings quote.
Consumer Credit Counseling Service: Haines City (FL)
Nationally, the largest nonprofit credit counseling provider is the NFCC. Their network is often called the CCCS, or Consumer Credit Counseling Service. In Haines City, Florida, a Consumer Credit Counseling Service will normally be:
- Not For Profit
- Affiliated with the NFCC (National Foundation for Credit Counseling)
- Member of the Better Business Bureau
More often than not a CCCS organization will supply:
- Post/Pre Bankruptcy Counseling
- Home Counseling
- Debt Management
Plan to spend about at the most $50 monthly.
To locate the closest CCCS office in Haines City, FL, have a look at the listing of Haines City credit counseling services we offer or check out the National Foundation for Credit Counseling homepage.
Debt Management and Credit Counseling: Haines City, FL
- Davidson, E Taylor – Decesare Davidson & Barker, 705 Ingraham Ave, #Ave-2, 33844