Debt Relief

Credit Counseling: Beaumont (TX)

Have you been having problems paying your monthly bills on time? Then you need to find a credit counselor in Beaumont, TX. We help our consumers determine the Beaumont TX credit counseling and debt relief options that fit their needs.

Beaumont TX Credit Counseling

When you enroll with a credit counseling company in Beaumont, TX, you can probably:

  • Merge Your Monthly Payments
  • Secure Cheaper Interest Rates
  • Reduce Collection Agency Calls
  • Practice Superior Debt Relief Tactics

There are 153,383 people living in Beaumont, TX, and it’s thought that 5,657 are now behind on their credit card payments.

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On average, people in Beaumont earn $21,348 per year. A consumer who pulls down $1,779 per month should have total loan, rent/mortgage, and credit card payments of just $640 per month, which is 36% of their income.

If your monthly debts amount to more than 43% of your earnings, you are in jeopardy. If you make $1,779, the average in Beaumont, we’re only talking about $765. Having said that, many Beaumont residents spend more than half of their income ($907) on these payments.

Debt management plans, sometimes known as DMP’s, are often affiliated with with credit counseling. With a debt management plan, your Beaumont TX credit counselor may able to get you less expensive rates of interest and better terms from your creditors. You don’t need to talk to your creditors. The credit counselor will take care of things from this angle.

Choosing a Credit Counseling Agency in Beaumont (TX)

As an industry, credit counseling and debt management plans have been vetted by the FTC and other governmental bodies. But you’ve got to be sure that your credit counseling agency is a good one. You can do this in many ways, like reviewing their testimonials, checking out whether they are authorized to counsel consumers in Texas, and looking at their BBB page.

Just remember that being a not-for-profit isn’t going to guarantee that a credit counseling company is bonafide, and the opposite is true as well.

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How Much Could Credit Counseling Help Save?

Credit Counseling Beaumont TX

Just how much that credit counseling can help you save depends upon your unique financial predicament. However, your credit counselor usually can work out reduced APR’s and service fees. Credit counseling helps save time and expense. Discover more today.

Credit Counseling Beaumont TX

Even though credit counseling is often free, debt management plans require monthly fees.

Although not without cost, debt management is a reasonably-priced option for a lot of Beaumont residents. Enrollment typically costs less than $75, and a bill every month of $25-$30. Under a debt management program, the money you set aside each month to repaying what you owe is typically comparable to the minimum payment on your credit cards: 2.5%.

Credit Counseling / Debt Management Agencies in Beaumont (TX)

  • Consumer Credit Counseling, , 77657
  • Consumer Credit Counseling Service, , 77657