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Credit Counseling: Plant City (FL)

A large number of Plant City residents are enlisting the help of credit counseling services in Plant City to help them out of debt.

We work with top-rated credit counselors and debt management companies to get you the debt relief you need.

Nowadays, a good number of credit counseling firms in Plant City are compensated at least to a certain extent through fee income from the creditors. This means that virtually all credit card counseling programs are very affordable.

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Lenders want to know how much you earn, how much you owe. There are criteria that will let you know what sort of financial condition you’ve gotten yourself into.

Salary DTI Debts Severity?
$1,940 36% $698 Great
$1,940 43% $834 Slight Concern
$1,940 50% $970 High Alert

Debt Counseling Plans: Plant City, FL

Debt Counseling Plant City FL

Debt management plans, also referred to as DMP’s, are practically interchangeable with credit counseling. With a debt management plan, your Plant City FL credit counselor may able to work out more affordable interest rates and fees and penalties from your credit card companies.

All you need to do is write just one monthly check to your Plant City credit counselor, and they’ll split up the funds among your creditors.

Tips on Avoiding Credit Counseling Shams in Plant City (FL)

In general, credit counseling and debt management plans have been recognized by the Federal Trade Commission and other state and federal regulators, but trustworthy credit counselors typically have:

  • Certified Advisors
  • True References
  • Non-Profit Standing
  • Direct Responses
  • No cost Counseling Sessions
  • Documented Plan of Action

To learn more, read this FTC article on the subject.

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Credit Counseling Plant City FL

Credit counseling is intended to help you lower your expenses without wrecking your credit, but how much is dependent on a range of factors:

  • How Much You Owe
  • What Your Creditors Agree to
  • How Effective Your Counselor is

A quick assessment of your financial situation is required to supply an exact savings estimate.

Pre-Bankruptcy Credit Counseling in Plant City, FL

Bankruptcy Counseling Plant City FL

More and more people in Plant City have been filing bankruptcy. It’s estimated that 321 of Plant City’s 64,286 residents have gone into bankruptcy.

Within 180 days of filing for bankruptcy, you must go through an approved credit counseling program and get a certificate to be presented during your bankruptcy case. You do not have to work with your local Plant City credit counseling service for this. Bankruptcy credit counseling programs for Plant City filers are offered on the web and by phone, not just face-to-face.

You will find that some programs are approved, while others are not. For an approved list of approved Florida credit counseling programs, follow the link. On the other hand, you can speak to an experienced credit advisor:

Credit Counseling Plant City FL

Consumer Credit Counseling Service in Plant City (FL)

Non-Profit Credit Counseling Plant City FL

CCCS, an abbreviation for Consumer Credit Counseling Service, may provide very affordable credit counseling for Plant City individuals. In Plant City, Florida, a Consumer Credit Counseling Service will usually be a local nonprofit firm which makes use of an NFCC seal. Typically a CCCS firm will offer:

  • Post/Pre Bankruptcy Credit Counseling
  • Home Counseling
  • Credit Profile Reviews
  • Money Management Programs

Of course, not for profit does not necessarily mean free.

To locate the CCCS agency that’s nearest to Plant City, FL, please research the listing of Plant City credit counseling agencies we provide. On the other hand, you can use the NCFF’s agency directory here

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Some non-profit credit counseling services in Plant City, FL, could have their fundamentals in Christianity. They offer virtually identical products and services as traditional agencies.

Credit Counseling and Debt Management Agencies in Plant City (FL)

  • Advance America Cash Advance, 109 S Alexander St, 33563