Want to decrease the interest rates on your credit cards and pay off your debts? In this case, you’ve come to the right place.
We can easily put you in touch with a credit counseling specialist based on where you live, how much debt you owe, and personal preferences. You could find yourself on the road out of debt in no time – it’s easy!
Generally people in need of credit counseling have consistent work, debt in the neighborhood of at least $5K, and can give 2.5 percent of their outstanding debts each month.
Though credit counseling calls for the full payment of your debts, it will look much better to potential lending institutions than a debt negotiation program.
The average salary for residents of Safety Harbor is $49,760 per annum, or $4,147 every month. You need to talk to a credit counselor if you earn this much and are spending $1,783-$2,074 every month on debts like rent, mortgage, loans, and credit cards.
Debt management plans are often affiliated with with credit counseling. Why should you look into a debt management plan? Because you might profit from:
- Lowered Credit Card APR
- Decreased Debt Collection Phone Calls
- Single Monthly Payment
- Speedier Debt Relief
If you enroll in a debt management plan in Safety Harbor, FL, your credit counselor will take care of payment to the credit card companies each month. The only thing you have to do is supply them with the prearranged payment amount.
Defending Yourself Against Credit Counseling Shams: Safety Harbor, FL
As a program, credit counseling has been recognized by the Federal Trade Commission and other state and federal authorities, but there are a variety of ways to be certain that your Safety Harbor credit counseling service is legitimate:
- Ask for referrals
- Verify their qualifications
- Be certain that your specialist is competent
Please remember, not for profit status doesn’t always mean that a credit counseling company is legit. If you let us arrange a cost-free assessment, you can be more confident that you’re going to be dealing with one of the best credit counseling companies in Safety Harbor, FL.
If your credit card issuers agree to participate in your Safety Harbor credit card counseling program’s debt management plan, you will profit from reduced rates of interest and fees. Let a qualified credit agent take a look at your finances and supply you with a quote for how much you could save.
Paying For Credit Counseling in Safety Harbor, FL
The counseling portion of these services should be free.
Although not free, debt management is a cost effective option for many Safety Harbor residents. There is typically an enrollment fee of no more than $75, along with a bill every month of approximately $40. With regards to your debt payments, you’ll typically have to pay 2.1 to 2.5% per month to your credit counseling firm for disbursement to your different creditors.
Bankruptcy and Credit Counseling in Safety Harbor, FL
Of the 18,156 people who live in Safety Harbor, it’s estimated that 91 have been forced resort to bankruptcy. Before filing bankruptcy, you will be required to attend an accredited credit counseling program and get a certificate that must be presented in court. You aren’t required to go to a local Safety Harbor credit counselor. Programs can be found on the web and over the phone.
The process ordinarily costs $50.
Credit Counseling and Debt Management Agencies in Safety Harbor, FL
- Florida Credit Counseling Company? Contact us!