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Credit Counseling: Homosassa (FL)

Are you looking to get your financial life back on course? In this case, you’ve come to the right place.

We’re able to get you in contact with a credit counseling company based on where you live, credit debt, and personal factors. Just think. You could be on your way to financial freedom before you know it. Start now!

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Most suitable candidates for credit counseling have the following:

  • $3.5K in Credit Card Debts
  • Steady Income
  • Genuine Desire to Pay off Their Debt

With credit counseling, you will pay all of your debts on your accounts, including interest, which ends up being more beneficial for your credit ratings over time than debt settlement.

We have to assume that 832 of Homosassa’s 22,548 consumers are falling behind on their credit card payments.

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Your debt to income ratio, also known as DTI, helps to confirm whether or not your finances warrant credit counseling. Why don’t we view a few numbers consistent with a salary of $1,816 each month, Homosassa’s average:

  • $654 (36%): Great
  • $654 to $781 (36-43%): Acceptable
  • $781 to $908 (43-50%): Cause for Concern
  • $908 or more (50%): Excessive

Credit Counseling Programs in Homosassa, FL

Let’s say you’re having to pay $908 every month and your income is only $1,816. If that’s the case, your credit counseling specialist may want you to sign up for a debt management plan (DMP). With a debt management plan, your Homosassa FL credit counseling agency may able to cut deals for cheaper rates of interest and better terms from your creditors. You don’t have to speak with your creditors. The credit counselor will take care of this end of things.

Settling on a Credit Counseling Agency: Homosassa, FL

So long as you work with an experienced organization, credit counseling can certainly help. Indeed, the Federal Trade Commission now mandates it for those filing bankruptcy not only in Florida, but countrywide, but trusted credit counseling organizations in Homosassa and throughout Florida should furnish you with:

  • 45-60 Minutes of Preliminary Counseling
  • Zero Initial Charges
  • An Itemized Plan Of Action
  • Certification Qualifications

Please remember that non profit status does not always mean that a credit counseling company is respectable, and vice versa. If you give us a call for a totally free evaluation, you can be more confident that you are dealing with one of the more legitimate credit counseling companies in Homosassa, FL.

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How Much Will Credit Counseling Save You?

All of your original debt has to be paid back. Luckily, you may not be required to pay as much each month as you had been paying, if your lenders accept the terms of the debt management program. To learn just how much a DMP could save you, get in touch with a knowledgeable Homosassa credit counselor – today!

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Paying For Credit Counseling: Homosassa, FL

Credit counseling itself is ordinarily offered free, but Homosassa debt management plans are not. How much does a debt management plan cost? Generally $25-30 per month, along with a startup fee of around $100.

With a DMP, the money you allot each month to paying off your debt is commonly the same as your minimum credit card payment (usually 2.5%). Let’s look at a breakdown of how much this is, based on different degrees of unpaid debt.

Debt 2.1% 2.5%
$10,000 $210 $250
$15,000 $315 $375
$30,000 $630 $750
$35,000 $735 $875
$40,000 $840 $1000
$45,000 $945 $1125
$50,000 $1050 $1250
$55,000 $1155 $1375

Non-Profit Credit Counseling Service in Homosassa (FL)

Established more than six decades ago, the National Credit Counseling Foundation (NCFF) is the number one network of non profit credit counseling organizations in Florida. Partners are normally identified as CCCS, or the Consumer Credit Counseling Service. In Homosassa, Florida, a Consumer Credit Counseling Service will normally be a community not for profit agency that is a endorsed by the National Foundation for Credit Counseling. Generally a CCCS organization will supply:

  • Pre/Post Bankruptcy Counseling for Homosassa Residents
  • Home Assistance
  • Credit Score Evaluations
  • Money Management Seminars

Don’t forget that nonprofit is not to mean cost free. Be ready to spend roughly $35 a month.

To discover the nearest CCCS location in Homosassa, FL, please have a look at the listing of services on our site or browse the National Foundation for Credit Counseling site.

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Credit and Debt Counseling Agencies: Homosassa, FL

  • Florida Credit Counseling Company? Contact us!