AR Debt Relief

Credit Counseling: Fort Lauderdale (FL)

Credit Counseling Fort Lauderdale FLHas debt been killing your credit scores? In that case, you ought to find a credit counselor in Fort Lauderdale, FL.

We connect you with credit specialists companies in Fort Lauderdale to help you get the debt relief you need.

In actual fact, credit counseling was established for credit card providers to recover funds from consumers who were delinquent on their repayment schedules without turning to collection agencies. What this means is a lot of credit counseling programs are easy on the pocketbook.

>> Get Your Free Cost Credit Assessment!

Do I Need Debt Counseling in Fort Lauderdale, FL?

Your ratio of debt to income, aka DTI, helps to determine how much your state of affairs warrants credit counseling.

Income DTI Debts Degree
$4,152 36% $1,495 Fantastic
$4,152 43% $1,785 Decent
$4,152 50% $2,076 Assistance Needed!

Debt Counseling Programs: Fort Lauderdale (FL)

If you are in considerable debt, your credit counselor could very well have you take part in a debt management plan (DMP). By enrolling in a debt management plan, you may be able to profit from:

  • Discounted APR Rates
  • Fewer Debt Collection Telephone Calls
  • One Payment Per Month
  • Quicker Debt Relief

Each month, you will give a pre-specified sum to your Fort Lauderdale credit counselor. They’ll mail out the correct amounts to each of your creditors.

Defending Yourself Against Credit Counseling Shams: Fort Lauderdale (FL)

Credit Counseling Fort Lauderdale FL

So long as you are dealing with a good organization, credit counseling can be extremely valuable. In fact, the FTC now demands it for people filing bankruptcy, but there are numerous of ways to ensure that your Fort Lauderdale credit counseling provider is legitimate:

  • Demand referrals
  • Verify their qualifications
  • Make sure that your consultant is licensed

For additional information, look at this FTC guide on the subject. Don’t forget, we help guide you to the most effective counseling or debt relief plan according to your unique needs.

How Much Will Debt Management Help Save?

Credit Counseling Fort Lauderdale FL

Everything you owe has to be paid in full. The good thing is, it can often result in decreased monthly payments by virtue of decreased, even suspended, interest and penalty charges.

One of the debt experts we work with can examine your finances and inform you of how much you could save.

The Cost of Credit Counseling: Fort Lauderdale, FL

Credit counselors in Fort Lauderdale FL who offer solutions by telephone are forbidden by the FTC from invoicing you before they produce results.

Though not free, managing debt is a reasonable solution for a lot of Fort Lauderdale residents. There is typically an enrollment fee of no more than $75, along with a monthly fee of $25-$30.

How much will your payments be? Typically 2.5% of how much you owe.

You might be interested in a breakdown of how much your monthly payments would be, based on differing degrees of debt.

  • $15,000 Debt: $315 to $375
  • $55,000 Debt: $1155 to $1375
  • $95,000 Debt: $1995 to $2375

Bankruptcy and Credit Counseling: Fort Lauderdale, FL

Bankruptcy Counseling Fort Lauderdale FL

More and more people in Fort Lauderdale have been filing bankruptcy. It’s estimated that 828 of Fort Lauderdale’s 165,500 residents have had to go into bankruptcy.

As of 2005, any person in Fort Lauderdale who would like to file for bankruptcy must first acquire a certificate proving that they participated in an approved bankruptcy credit counseling program in Fort Lauderdale, FL. You aren’t required to go to one of the credit counseling agencies in Fort Lauderdale, FL to do this. Services are available over the internet and by phone, as well as personally.

In most instances, you’re required to enroll in credit counseling post bankruptcy to boot.

For an approved list of approved Florida credit counseling programs, visit here, and you can get in touch with an experienced debt advisor:

Fort Lauderdale FL Credit Counseling

Non-Profit Credit Counseling Service: Fort Lauderdale (FL)

Non-Profit Credit Counseling Fort Lauderdale FL

In Fort Lauderdale Consumer Credit Counseling Service, aka CCCS, may provide inexpensive credit counseling for Fort Lauderdale consumers. A Consumer Credit Counseling Service in Fort Lauderdale, FL, will generally be a local nonprofit service which makes use of an NFCC seal. Generally a CCCS agency will make available not only nonprofit credit counseling, but also:

  • Bankruptcy Counseling
  • Housing Counseling
  • Money Management Classes

To discover the CCCS office that’s closest to Fort Lauderdale, FL, please research the directory of firms we offer. If you aren’t seeing one, you can go to the National Foundation for Credit Counseling website.

>> Get Debt Relief Now

If your faith is immensely important to you, you may want to work with a Christian credit counseling firm in Fort Lauderdale, FL. Most are non profit. Their services are usually very much like a regular organization’s.

Debt and Credit Counseling in Fort Lauderdale, FL

  • Consolidated Credit Counseling Services Inc, 5701 W Sunrise Blvd, 33313
  • Credit Recovery Corporation, 3601 W Commercial Blvd, 33309
  • K & K Enterprise, 3491 NW 19th St, 33311
  • Beyer, Russell – Russell Beyer Law Office, 2888 E Oakland Park Blvd, 33306
  • Cedola & Vincent PL, 110 E Broward Blvd, 33301
  • Consumer Credit Counseling Service, , 33160
  • Consumer Credit Counseling Service, , 33160
  • Auto Relief Group, 200 S Andrews Ave, 33301
  • Consumer Credit Counseling, , 33160
  • The Credit Group Incorporated, 1089 Sunset Strip, 33313
  • Consumer Credit Counseling, , 33160
  • Fort Lauderdale Cash Advance Payday Loans, 1314 E Las Olas Blvd, 33301
  • Consumer Credit Counseling, , 33160
  • A American Credit and Debt Counseling Service, 1745 E Sunrise Blvd, 33304
  • Consumer Credit Counseling, , 33160
  • America’s Home Consultants, 600 N Pine Island Rd, 33324