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Credit Counseling: Satellite Beach (FL)

Credit Counseling Satellite Beach FL What if you could completely pay down the money you owe and get your life back on track in 36 to 60 months? At FL Debt Consolidation, we enable our clients to receive a free, individualized debt assessment from an expert in their area.

Credit Counseling in Satellite Beach FL

A professional credit counselor in Satellite Beach can educate you, the consumer, on ways to manage your debts, work out your present financial difficulties, and get out of credit card debt.

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Evaluating Your Monthly Debt: Satellite Beach, FL

Credit Counseling Satellite Beach FL

How much do you owe overall? For those who are forking out over fifty percent of what you make monthly on rent/mortgage, loans, and credit cards, you might want to seek the help of a credit counselor in Satellite Beach asap.

An integral part of credit counseling is debt management. As part of a debt management program, your Satellite Beach FL credit counseling agency may able to get you decreased annual percentage rates and fees and penalties from the firms you borrowed from. Your credit counseling company will handle your creditors directly.

Credit Score Considerations For Satellite Beach Residents

Bear in mind, credit counselors can help you pay off your debts more quickly and with a cheaper rate, but in the end you’ll pay off all of your debts, inclusive of interest. Debt negotiations may enable you to pay just 40-60% of your debts, but it can ruin your FICO scores.

How to Avoid Credit Counseling Scams: Satellite Beach (FL)

Credit Counseling Satellite Beach FL

Overall, credit counseling has been vetted by the FTC and other governmental bodies, but there are numerous of ways to ensure that your Satellite Beach credit counseling organization is good:

  • Get references
  • Check out their credentials
  • Check that your counselor is qualified

For additional information, look at this FTC write-up on the subject.

Please don’t be happy with a credit counselor you can’t depend on. We will help you find a reputable Satellite Beach credit counseling professional.

How Much Could Credit Card Counseling Save You?

Credit counseling saves people money due to the fact that the credit card companies generally agree to drop payment amounts, rates, and late fees.

Let an experienced credit specialist evaluate your finances and tell you how much you could save.

Fees Associated with Credit Counseling Services: Satellite Beach, FL

Credit Counseling Satellite Beach FL

The FTC forbids credit counseling firms from charging you before they do anything.

How much does a debt management program cost you? Typically $25-30 a month, coupled with a setup fee of approximately $75.

How much will your payments be? Generally 2.5% of the amount you owe. Let’s look at a top level view of how much you might have to pay, based on varying degrees of credit card debt.

Debt 2.1% 2.5%
$10,000 $210 $250
$15,000 $315 $375
$35,000 $735 $875
$40,000 $840 $1000
$45,000 $945 $1125
$55,000 $1155 $1375
$60,000 $1260 $1500
$65,000 $1365 $1625
$70,000 $1470 $1750
$80,000 $1680 $2000
$85,000 $1785 $2125

Consumer Credit Counseling Service: Satellite Beach (FL)

The country’s biggest not for profit credit counseling organization is the NFCC, and their network is known as the Consumer Credit Counseling Service, or CCCS. A Consumer Credit Counseling Service in Satellite Beach, FL, will normally be:

  • A Non Profit
  • NFCC Affiliate
  • Approved by the Dept of Housing and Urban Development (HUD.gov)
  • Member of the Better Business Bureau

Quite often a CCCS organization will provide more than just credit counseling. They’ll likewise have Satellite Beach bankruptcy credit counseling for Satellite Beach residents, as well as housing and credit rating guidance. Always remember that nonprofit doesn’t mean free of charge. To locate the CCCS office that’s nearest to Satellite Beach, FL, have a look at the list of services on our site or use the NCFF’s locator service: http://www.nfcc.org/FirstStep/firststep_01.cfm

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Credit and Debt Counseling: Satellite Beach (FL)

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