Are you in search of better ways to get out of debt? If that’s the case, we can help.
We’re able to put you in touch with a credit counseling specialist based on where you live, how much debt you have, and personal factors. To start, sign up for a zero obligation assessment. You can start getting debt relief today.
Pompano Beach (FL) Credit Counseling Fundamentals
A professional credit counselor in Pompano Beach can teach you how to manage your money, deal with your present financial issues, and get out of debt.
If your debt to income ratio is beyond 50%, we suggest you find professional help immediately. For the average Pompano Beach consumer that has a salary of $31,983 per annum, this is more than $1,333 on a monthly basis.
Managing debt is virtually synonymous with credit counseling. Why should you sign up for a debt management plan? For a start, you might benefit from:
- Discounted Interest Rates
- Fewer Debt Collection Agency Calls
- Single Payment On a Monthly Basis
- Swifter Debt Payoff
You won’t need to speak to your creditors, as your credit counselor will handle this end of things.
Identifying Credit Counseling Scams in Pompano Beach (FL)
Assuming that you find an experienced firm, credit counseling can be a life-saver. Indeed, the FTC now mandates it for those declaring bankruptcy not only in Florida, but countrywide, but stay clear of any credit counselors in Pompano Beach that declare that they are able to:
- Put an end to all calls from debt collectors
- Stop credit card companies from suing you
- Bill you in advance for their assistance
For details, look at this FTC report on the subject.
How Much Could Credit Card Counseling Help You Save?
Bear in mind that credit counseling is a way of managing debt, not fighting it. The good thing is, your credit counselor normally can make a deal for lower rates of interest and a lot fewer service fees.
To find out what amount a DMP could save you, you need to talk to a qualified credit counselor in Pompano Beach, FL – right now!
How much does a debt management program cost? Ordinarily $25-30 a month, besides a setup fee of about $75. Under a debt management plan, the money you devote each month to paying off your credit card debt is commonly equal to the minimum payment on your credit cards: 2.5%. Let’s look at a table showing you how much this is, given different amounts of unsecured debt.
- $15,000 Debt: $315 to $375
- $25,000 Debt: $525 to $625
- $35,000 Debt: $735 to $875
- $90,000 Debt: $1890 to $2250
Credit Counseling for Bankruptcy in Pompano Beach, FL
We estimate that 2016 of Pompano Beach’s 403,168 residents have resorted to bankruptcy. Within half a year of declaring bankruptcy, you need to attend an approved credit counseling program and receive a certificate to present in court. You don’t have to pay a visit to one of the credit counseling services in Pompano Beach, FL. Programs are available on the web and over the telephone.
The program usually takes an hour and a half, and may cost as much as $50. However, the fee must be waived if you cannot afford it.
To find approved Florida credit counseling programs, just click here. Alternatively, you can converse with a seasoned debt guide:
Consumer Credit Counseling Service in Pompano Beach (FL)
Founded more than 60 years ago, the National Credit Counseling Foundation is the biggest network of non profit credit counseling organizations in Florida, and their members are generally recognized as CCCS, or Consumer Credit Counseling Service. In Pompano Beach, Florida, a Consumer Credit Counseling Service will normally be a local not for profit which carries the NFCC seal. In most cases a CCCS agency will offer much more than just credit counseling. They will also offer:
- Post/Pre Bankruptcy Counseling
- Home Counseling
- Financial Courses
Generally, not for profit credit counseling in Pompano Beach, FL, doesn’t translate to no charge.
To find the closest CCCS agency in Pompano Beach, FL, please take a look at the directory of services we’ve published or visit the National Foundation for Credit Counseling homepage.
Debt and Credit Counseling in Pompano Beach, FL
- AMS- Inc., 2175 N Powerline Rd, 33069
- National Budget Planners Of South Florida, 1000 E Atlantic Blvd, #209, 33060