AR Debt Relief

Credit Counseling: Palm Beach (FL)

Signing up with a respected Palm Beach, FL credit counseling firm could be the first step to being debt-free.

We can match you with a credit counseling agency based upon:

  • Your Location
  • Your Unsecured Debt
  • Etc

Just imagine. You could be on your way to financial freedom before you know it – don’t delay!

>> Get Your No Cost Credit Counseling Consultation!

Generally individuals who could benefit from Palm Beach credit counseling have these qualities:

  • Debts of at Least $3,5000
  • Ability to Allocate $250-$300 Toward Monthly Payments

There’s no denying that credit counseling does not eliminate your debts. Even so, it is significantly better for your credit ratings than debt negotiations.

We estimate that 413 of the 11,200 inhabitants of Palm Beach are unable to afford to make their revolving credit payments each month.

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Debt Counseling: Palm Beach (FL)

Credit Counseling Palm Beach FL

Is your debt to income ratio more than 50%? In that case, don’t delay; speak with a credit counselor in Palm Beach as quick as you can. For the average Palm Beach card-holder that has an income of $7,016 per month, this is $3,508 or more a month.

Do you owe more than $10,000 of medical or credit card debt or have monthly payments related to rent, loans, or credit cards that use up 50 percent your income? Then your credit counselor could possibly decide you need to register for a debt management plan (DMP). A DMP is a method of debt consolidation, because your monthly payments will be condensed into one monthly sum. However, no loan is necessary.

You won’t need to talk with your creditors, since the credit counselor will manage this.

Finding a Credit Counseling Agency in Palm Beach (FL)

As an industry, credit counseling has been vetted by the FTC and other governmental regulators, but legitimate credit counseling companies in Palm Beach, FL, and across the nation will usually grant you:

  • 45-60 Minutes of Introductory Counseling
  • Zero Advance Costs
  • A Personalized Plan Of Action
  • Evidence of Certification

For more information, check out this FTC guide on the subject.

Just how much that credit counseling can help you save is dependent upon your unique situation financially. However, your creditors may waive service fees and lessen rates of interest as part of a DMP. Credit counseling helps you save time and money. Discover for yourself today.

Credit counseling is typically complimentary, but debt management plans are not.

Debt management programs are quite affordable: less than $40 on a monthly basis, and the cost is rolled into your monthly payment.

If you can afford to repay 2.5% of what you owe month after month, you could get out of debt in about 3.5 years, assuming that your credit consultant can freeze your interest. If he can’t, it’ll take considerably longer.

Consumer Credit Counseling Services: Palm Beach, FL

The nation’s biggest non profit credit counseling provider is the NFCC. Their network is identified as CCCS, or Consumer Credit Counseling Service. A Consumer Credit Counseling Service in Palm Beach, FL, will usually be:

  • Not For Profit
  • NFCC Member
  • Approved by the Department of Housing and Urban Development (HUD)
  • Accredited by The COA (Council on Accreditation)
  • BBB Member

Usually a CCCS agency will provide Palm Beach bankruptcy counseling for Palm Beach consumers, and in many cases housing assistance and credit report assistance. To find the closest CCCS agency in Palm Beach, FL, check the listing of agencies we’ve provided or take a look at DebtAdvice.org.

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Debt and Credit Counseling in Palm Beach, FL

  • All American Credit Recovery, , 33462