AR Debt Relief

Credit Counseling: Lehigh Acres (FL)

How amazing would it be if someone could decrease your interest rates and reduce calls from creditors? Here at Florida Debt Consolidation, we help our customers determine the Lehigh Acres FL credit counseling and debt relief options that meet their needs.

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Debt management and credit counseling firms get paid via contributions from your lenders. Accordingly, the pricing is generally very reasonable, from $0-35 each month.

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The average income in Lehigh Acres, FL is $1,442 a month. Ideally, a consumer who pulls down $1,442 a month should have overall loan, rent, and credit card payments of around $519 each month, which is slightly more than 1/3 of their before-tax earnings.

If your monthly debts cost more than 43% of what you make, you are in peril. If you make $1,442, the average in Lehigh Acres, we’re only talking about $620. That said, a lot of Lehigh Acres’s residents have debt to income ratios of more than 50% ($721).

Do you have more than $10,000 of debt or have monthly payments for rent, loans, or credit cards that amount to 50 percent your wages? You might need to register for a debt management plan (DMP). Why look into a DMP? For a start, you may be able to enjoy:

  • Lesser Credit Card APR
  • Decreased Collector Phone Calls
  • Consolidated Payment On a Monthly Basis
  • Faster Freedom From Debt

You won’t need to converse with your creditors, since the credit counselor will manage things from this angle.

Credit Counseling Lehigh Acres FL

Typically, debt management programs hope to have your debts paid in full in 36 to 60 months. While enrolled, your credit scores should not go down, but it might be tricky to get new a credit line. If you were to settle your debt at a lower sum through Lehigh Acres FL debt settlement, your credit ratings would probably be severely impaired. While a Lehigh Acres, FL debt consolidation loan may stop your credit rating from going down, this approach can be perilous. Not surprisingly, you will be in danger of losing the property you used to secure the loan

Selecting a Credit Counseling Firm: Lehigh Acres, FL

As a whole, credit counseling and debt management plans have been checked out by the Federal Trade Commission and other state and federal regulators, but respected credit counseling companies should offer:

  • About 1 Hour of Introductory Counseling Sessions
  • No Charges Upfront
  • A Custom-Made List of Action Items
  • Evidence of Certification

To read more, check out this FTC article on the topic.

You should never be happy with a credit counselor that you can’t count on. We will help you find a good Lehigh Acres credit counseling specialist.

How Much Will Debt Management Help You Save?

A lot of folks wrongly assume that credit counseling is pointless since it can’t slash your overall debt, but they don’t understand that a debt management program could reduce your rates, which can be a solid way to lower your expenses.

Credit counseling will save you time and money. Find out more today.

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Consumer Credit Counseling Service in Lehigh Acres, FL

Nationwide, the largest not for profit credit counseling organization is the NFCC. Their network is called the CCCS, or Consumer Credit Counseling Service. A Consumer Credit Counseling Service in Lehigh Acres, FL, will generally be:

  • A Not For Profit
  • Part of the National Foundation for Credit Counseling (NFCC)
  • Member of the BBB

More often than not a CCCS firm will make available Lehigh Acres bankruptcy counseling, financial training, and housing assistance. Be ready to pay out roughly $35 a month.

To discover the CCCS agency that’s nearest to Lehigh Acres, FL, please research the directory of Lehigh Acres credit counseling agencies on our site or utilize the NCFF’s member directory:

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Debt Management and Credit Counseling Agencies in Lehigh Acres, FL

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