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Credit Counseling: Dunedin (FL)

Have you been having problems paying off your credit lines or bills on time? In this case, a trusted Dunedin credit counseling agency could help.

We’re able to get you in contact with a credit counseling consultant based upon where you live, how much debt you owe, and other preferences. To get started, just fill in this easy form. Start getting debt relief today.

Dunedin Credit Counseling Fundamentals

Credit repair is a quick way to increase your credit rating, while credit counseling is centered on relief from debt and consumer coaching.

We have to assume that 1,263 of the 34,235 residents of Dunedin are late on their monthly payments.

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Debt to Income Ratios: Dunedin, FL

Credit Counseling Dunedin FL

Your ratio of debt to income helps to gauge whether or not your state of affairs warrants credit counseling.

Income DTI Debt Severity
$1,442 36% $519 Great
$1,442 43% $620 Need to Cut Back
$1,442 50% $721 Severe

Dunedin, FL Debt Management Programs

Debt Counseling Dunedin FL

Managing debt is virtually interchangeable with credit counseling. A DMP is a method of debt consolidation, in that your credit card, loan, and other debt payments is consolidated into a single amount, but no loans are required. Your credit counselor will take care of paying your creditors each and every month. Pretty much all you have to do is hand them just one payment per month.

Avoiding Credit Counseling Scams in Dunedin (FL)

Credit Counseling Dunedin FL

So long as you find a good firm, credit counseling can really help. Actually, the Federal Trade Commission now demands it for people declaring bankruptcy. But trustworthy credit counselors in Dunedin and throughout the nation should provide you with:

  • Close to 1 Hour of Basic Counseling Sessions
  • Zero Advance Charges
  • A Written List of Action Items
  • Certification Credentials

To learn more, read this FTC guide on the topic.

All of your original debt must be paid in full. However, you probably won’t have to pay as much every month as you have been paying, as long as your creditors agree to the terms of your debt management plan. Credit counseling helps save time and money. Learn more today.

Credit Counseling Costs in Dunedin, FL

For profit Dunedin credit counseling companies who offer assistance over the phone are restricted by the FTC from asking for payment before they produce results. Getting into a DMP should not cost more than $100, and the monthly fees should be no more than $40.

How much will your payments be? Generally 2.5% of the amount you owe.

Consumer Bankruptcy Counseling: Dunedin, FL

The downturn hurt everyone, and bankruptcies practically endemic in Dunedin and across Florida. There are 34,235 people living in Dunedin, FL, and approximately 171 have had to declare bankruptcy.

Credit counseling is required by law before declaring bankruptcy.

You can attend the process in person, by telephone, or on the internet.

Not every non profit credit counseling program in Dunedin, FL, is approved.

To find approved Florida credit counseling programs, simply click here, and you can chat with an experienced credit advisor by filling out this form.

Non-Profit Credit Counseling Services: Dunedin, FL

Non-Profit Credit Counseling Dunedin FL

The NFCC is the biggest network of not for profit credit counseling services in Florida, and their affiliates are usually recognized as CCCS, or the Consumer Credit Counseling Service. In Dunedin, Florida, a Consumer Credit Counseling Service will usually be a non profit organization which makes use of the NFCC member seal. In most cases a CCCS firm will supply Dunedin bankruptcy credit counseling for Dunedin consumers, and in many cases housing and credit rating guidance. To find the CCCS location that’s closest to Dunedin, FL, please check the listing of agencies we’ve published or visit the National Foundation for Credit Counseling site.

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Christian Credit Counseling Programs: Dunedin, FL

Christian credit counseling services strive to help their clients achieve their goals emotionally and fiscally. Nearly all are non profit. They offer similar products and services as traditional companies.

Credit Counseling and Debt Counseling in Dunedin, FL

  • BEACON CREDIT, 1285 San Christopher Dr, 34698
  • Repak, Edit – Clear Financial Company, 1299 Main St, #F, 34698