Debt Relief

Credit Counseling: Dallas (TX)

Credit Counseling Dallas TXAre you struggling to repay the money you owe? In this case, tracking down a registered credit counselor in Dallas could help. We help our consumers find the debt relief and credit counseling solutions in Dallas, TX that fit their needs.

Credit Counseling in Dallas TX

Perfect individuals for credit counseling have consistent income, debt in the neighborhood of at least $10K, and have considered bankruptcy.

While credit counseling requires the full payment of your debt, it looks far better to potential lending institutions than debt settlement.

We have to assume that 46,544 of Dallas’s 1,261,999 residents are now overdue on their monthly payments.

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Debt Counseling in Dallas, TX

Credit Counseling Dallas TX

The average income in Dallas is $16,809 per annum, which is $1,401 every month. You need to contact a credit counselor if you make this much and are having to pay $602 to $701 each month on debts like rent, mortgage, loans, and credit cards.

Managing debt is virtually synonymous with credit counseling. As part of a debt management program, your Dallas TX credit counseling agency may able to secure cheaper interest rates and costs from your creditors. Your credit counseling company will control payment to the credit card companies each month. Pretty much all you have to do is provide them with the fixed monthly payment.

Credit Counseling Dallas TX

Typically, debt management programs try and have out of debt after 36 to 60 months. Your credit scores should not decrease, but it may be challenging to get new credit lines, for example a property or auto loan. On the other hand, if you were to opt for debt negotiation, you could you expect your credit scores to be severely impacted. While a debt consolidation loan may stop your credit score from falling, using this method is perilous because you could lose whatever you used to collateralize the loan, usually your home.

Steering Clear of Credit Counseling Scams in Dallas, TX

All in all, credit counseling has been recognized by the Federal Trade Commission (FTC) and other state and federal regulators. However, reputable credit counseling services in Dallas and across the nation will generally furnish you with:

  • About 1 Hour of Initial Counseling
  • No Upfront Charges
  • A Tailor-Made Action Plan
  • Accreditation Credentials

For more information, read this FTC article on the topic.

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Credit Counseling Dallas TX

It goes without saying, unsecured credit card debt is so hard because the high APR’s cause your debt to keep mounting. Any good credit counselor in Dallas should be able to get your credit card companies to agree to reduce your rates of interest and additional fees, helping you save big money in the months to come. A quick analysis of your financial situation is essential to supply a precise savings estimate.

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Credit Counseling Costs in Dallas, TX

How much does a debt management plan cost you? Usually $25-$30 each month, along with a startup fee of roughly $75.

In terms of the exact payments, you’ll typically be asked to pay 2.1-2.5% each and every month, which will then be divided up among your various creditors. The following is a breakdown of how much your monthly payments would be, given varying levels of credit card debt.

Debt 2.1% 2.5%
$5000 $105 $125
$20,000 $420 $500
$35,000 $735 $875
$40,000 $840 $1000
$55,000 $1155 $1375
$60,000 $1260 $1500
$70,000 $1470 $1750
$75,000 $1575 $1875
$85,000 $1785 $2125
$95,000 $1995 $2375
$100,000 $2100 $2500

Consumer Credit Counseling Services in Dallas (TX)

Consumer Credit Counseling Dallas TX

Consumer Credit Counseling Service, often called CCCS, may provide cost-effective credit counseling for local individuals. A Consumer Credit Counseling Service in Dallas, TX, will normally be:

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

Ordinarily a CCCS agency will make available:

  • Bankruptcy Credit Counseling for Dallas Residents
  • Home Assistance
  • Credit Score Evaluations
  • Debt Management

Generally, nonprofit does not necessarily mean free. Be prepared to pay around $35 on a monthly basis. To find the CCCS agency nearest to Dallas, TX, please have a look at the listing of firms this site offers. If you don’t see any, you can check the NCFF’s locator service: http://www.nfcc.org/FirstStep/firststep_01.cfm

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Some non-profit credit counseling companies in Dallas, TX, could have their foundations in the Christian belief system. They offer equivalent assistance to typical firms.

Credit and Debt Counseling in Dallas, TX

  • Consumer Credit Counseling Service, 14110 Dallas Pky, 75254
  • Credit Counseling Centers Of America, 9330 Lbj Fwy, 75243
  • Liberty Debt Management, 5310 Harvest Hill Rd, 75230
  • Cardtronics, 5940 Park Ln, 75225
  • Consumer Credit Counseling Service, 400 S Zang Blvd, #1004, 75208
  • Consumer Credit Counseling Service, 8737 King George Dr, #200, 75235
  • Consumer Credit Counseling Service Of Greater Dallas Inc, 8737 King George Dr, 75235
  • Consumer Credit Counseling Service Of Greater Dallas Inc – Oak Cliff, 400 South Zang Boulevard Frnt, 75208
  • Cornerstone Wealth Corporation, 13601 Preston Rd, 75240
  • Credit Disputes & Financing, 4300 N Central Expy, #205, 75206
  • Debt Reduction Services, 11055 Harry Hines Blvd, 75229
  • Debt Relief of America, 12201 Merit Dr, 75251
  • Fresh Outhlook Credit Services, 1219 Abrams Rd, 75214
  • Global Debt Master Recovery, 2703 Fondren Dr, 75206
  • Instant Credit Venta de Computadoras, 2534 Royal Ln, 75229
  • Invest In Your Debt Inc, 4909 Haverwood Ln, 75287
  • Perlman & Robison Attorneys & Counselors At Law, 3626 N Hall St, #610, 75219
  • Precept Financial Solutions, 12225 Greenville Ave, 75243
  • Reliable Credit Repair, 527 W Jefferson Blvd, 75208
  • Resource Credit Corporation, 4347 W Northwest Hwy, #911, 75220
  • Advance America, 10155 Lake June Rd, 75217
  • MCS Consumer Credit Research, 8111 Lbj Fwy, #840, 75240
  • U SAVE TAX MASTERS, 11306 Lbj Fwy, #110, 75238
  • H Hughes Properties, 14785 Preston Rd, 75254
  • RW Mortgage Services, , 75236
  • Texas Movers, 2200 N Pearl St, 75201
  • Attorney Saharie L Reed – Reed Legal Group, 400 N Saint Paul St, #1400, 75201
  • A-1 Credit, 501 Wynnewood Plz, #201, 75224
  • LLS Bankruptcy Attorneys Dallas, , 75001
  • Tomasino Law, 17304 Preston Rd, #800, 75252
  • 214bankruptcy.com (Polk & Associates), 4514 Cole Ave, #600, 75205
  • Debt Consolidation Gteed 50% Off Your Debt!, 1224 N Fitzhugh Ave, 75204
  • Law Office of Andrew Oostdyk, 4925 Greenville Ave, #200, 75206
  • Commonwealth Credit Repair, 5050 Quorum Dr, 75254
  • Credit Alliance Group, 2807 Allen St, 75204
  • Credit Repair for LIFE, 18208 Preston Rd, Ste D9-203, 75252
  • Primerica Financial Services, 3530 Forest Ln, #270, 75234
  • Credit Results, Incorporated, 12300 Ford Rd, #125, 75234
  • Debt Relief LLC, , 75001
  • Gateway Credit Connection, 15770 Dallas Pky, 75248
  • Dallas Debt Consolidation, 3824 Cedar Springs Rd, #168, 75219
  • Consumer Credit Counseling Service of Greater Dallas Incorporated, 14110 Dallas Pky, #280, 75254
  • Consumer Credit Counseling Service, 17440 Dallas Pky, #134, 75287
  • Ayers, Tanesa Owner – Mediation Paralegal Services, , 75001
  • Brusenhan & Associates of Keller Williams Realty, 18383 Preston Rd, #150, 75252
  • JBR Credit Services, LLC, 6780 Abrams Rd, #103-152, 75231
  • Credit Solutions, 12700 Park Central Dr, #9, 75251
  • Pds, 13800 Montfort Dr, #155, 75240
  • McCallan, Robert President – Intellidebt, 12801 N Central Expy, 75243
  • Allmand, Reed – Allmand & Lee, 5646 Milton St, #120, 75206
  • Debt Consolidation-Consumer Credit Counseling Dallas, 8057 Cedar Springs Rd, 75235
  • Merchant Services by Paymentmax, 6333 E Mockingbird Ln, 75214
  • Debt Relief of America, 12201 Merit Dr, #620, 75251
  • First Stone Credit Counseling, 4372 Spring Valley Rd, 75244
  • Henley & Henley Credit Law, 2205 N Henderson Ave, 75206
  • FH Financial Service, 4230 Lbj Fwy, #125, 75244
  • My Debt Relief, 3500 Oak Lawn Ave, #380, 75219
  • US Debt Resolve Incorporated, 17311 Dallas Pky, 75001
  • Americredit, 13800 Diplomat Dr, 75234
  • JC Penny Credit Service Center, 12712 Park Central Dr, 75251
  • Pre-Paid Legal Services, Inc – Ind Assc, , 75001
  • Automated Profile Svc Incorporated, 11615 Forest Central Dr, 75243
  • Please Reduce My Debt, 13747 Montfort Dr, #105, 75240
  • Alexander Credit, 7557 Rambler Rd, #700, 75231
  • Critical Credit Repair, , 75001
  • My Cash Central, , 75001
  • A New Beginning Financial, 212 Polk Vlg, 75232
  • Montoya, Gabe Credit Exp – Nova Credit Solutions, 2906 E Ledbetter Dr, #120, 75216