AR Debt Relief

Credit Counseling: North Fort Myers (FL)

Credit Counseling North Fort Myers FL How awesome would it be if you could get out of debt in 36 to 60 months?

We can get you in contact with a debt relief expert who can provide a free debt assessment, savings quote, and sensible plan of action.

The majority of individuals interested in credit counseling have steady work, unsecured debt of over $3K, and will be able to pay off 2.5 percent of the funds they owe every month.

In the end, working with an honest North Fort Myers credit counselor does much less harm on your credit scores than a debt settlement program because you never stop making payments to your credit card companies.

>> Get Your No Cost Credit Counseling Estimate – Right Now!

Do I Need Credit Counseling in North Fort Myers, FL?

How much you make, how much you owe. This is the core of everything. Calculating this is simple.

Income DTI Debt Level
$1,863 Less than 36% $671 or less No Problems
$1,863 36%-43% $671-$801 OK
$1,863 43%-50% $801-$932 Too High
$1,863 50% Plus $932 or More SEVERE!

North Fort Myers, FL Debt Management

Do you owe more than $10,000 of medical or credit card debt or have a DTI of 50% or more? Then your credit counselor could possibly decide you need to register for a debt management plan (DMP). A DMP is a form of debt consolidation, in that the money you owe on a monthly basis will be merged into a single amount. However, no loan is needed.

Each month, you’ll deliver a fixed amount to your North Fort Myers credit counselor, and they’ll allot the payments among each of your creditors.

Picking a Credit Counseling Agency: North Fort Myers (FL)

Credit Counseling North Fort Myers FL

So long as you work with an established firm, credit counseling can really help. In point of fact, the Federal Trade Commission now demands it for individuals filing bankruptcy, but honest credit counseling firms will ordinarily grant you:

  • 45-60 Minutes of Basic Counseling Sessions
  • No Costs Upfront
  • An Itemized List of Action Items
  • Evidence of Certification

To find out more, read this FTC post on how to choose a credit counselor.

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

Though credit counseling doesn’t lead to any debt reductions, it will save you big money by virtue of lowered interest and fewer penalty charges. Curious to find out how much credit counseling in North Fort Myers, FL, can save you?

>> Get Your Free Savings Estimate

Debt management plans in North Fort Myers are very inexpensive: less than $40 per month, and the price is rolled into the amount you pay each month. Many programs will require you to pay off 2.5 percent of your overall credit card debt on a monthly basis.

Bankruptcy Counseling in North Fort Myers, FL

Bankruptcy Counseling North Fort Myers FL

Bankruptcy has become widespread in the state of Florida, don’t you think? It’s estimated that 258 of North Fort Myers’s 51,668 residents have found it necessary resort to bankruptcy. Since 2005, anybody in North Fort Myers who would like to file for bankruptcy should first get an official document proving that they attended an approved bankruptcy credit counseling program in North Fort Myers, FL.

You need not work with your local North Fort Myers credit counseling agency to do this. Services are available over the internet and on the telephone, as well as face-to-face.

Normally, you need to enroll in credit counseling after bankruptcy too.

To find approved Florida credit counseling programs, go here, or you can talk with an experienced debt advisor by submitting this form.

Non-Profit Credit Counseling Service in North Fort Myers (FL)

Created in 1951, the NFCC (National Credit Counseling Foundation) is the leading network of non-profit credit counseling organizations in Florida. Their agencies are normally labeled CCCS, or the Consumer Credit Counseling Service. In North Fort Myers, Florida, a Consumer Credit Counseling Service will generally be:

  • Non Profit
  • Member of the National Foundation for Credit Counseling (NFCC)
  • Approved by the Dept. of Housing and Urban Development (HUD)
  • Approved by The COA
  • Have the abbreviation CCCS in their Domain

More often than not a CCCS agency will offer:

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

Don’t forget that nonprofit doesn’t imply zero cost. Be prepared to pay approximately $35 on a monthly basis. To discover the CCCS office closest to North Fort Myers, FL, check the listing of North Fort Myers credit counseling services on our site. Alternatively, you can pay a visit to debtadvice.org.

>> Talk with a Credit Specialist Now

Credit Counseling and Debt Counseling in North Fort Myers (FL)

  • Florida Credit Counseling Company? Contact us!