Have the bills been stacking up? If so, you’ve come to the right place.
We work with credit counselors and debt management companies to help you get the debt relief you’re looking for.
Most consumers in need of credit counseling have these characteristics:
- Debts of at Least $3,0000
- Ability to Allocate $250-$300 Toward Monthly Payments
- Genuine Ambition to Get out of Debt
There’s no denying, credit counseling implies trying to repay all the money you owe. Even so, it looks a good bit better on your credit history than debt negotiations.
There are 168,420 people residing in Haltom City, TX, and somewhere around 6,211 are in need of credit counseling.
Anyone reviewing a credit application wants to know how much you earn, how much you owe? There are standards that will tell you what kind of financial situation you’ve gotten yourself into.
Credit Counseling Plans in Haltom City (TX)
Do you have more than $10K of debt or have a debt-to-income ratio of 50% or higher? Then you might need to sign up for a debt management plan (DMP). A debt management plan is a means of consolidating debt, as your payments to creditors will be combined into a single sum. However, there is no loan needed.
Your credit counselor will take care of paying your creditors each and every month. The only thing you have to do is hand them one single payment per month.
Avoiding Credit Counseling Shams: Haltom City, TX
On the whole, credit counseling and debt management plans have been recognized by the Federal Trade Commission and other state and federal regulators, but respected credit counselors in Haltom City, TX, and throughout the nation typically offer:
- Professional Consultants
- Authentic Testimonials
- A possibility Non-Profit Standing
- Immediate Replies to All Questions
- Gratis Counseling (DMPs do have fees each month)
- Documented Action Plan
Bear in mind, being a non-profit won’t necessarily mean that a credit counseling business is bonafide, and being for-profit does not always mean they are disreputable.
How Much Could Debt Management Save You?
Credit counseling saves you money due to the fact that your creditors generally agree to reduce monthly payments, rates, and late payment fees.
Curious to determine how fast credit counseling could help you repay your debts?
Credit counselors in Haltom City who provide programs via phone are restricted by the FTC from asking for payment before they produce results.
Debt management plans in Haltom City are very affordable: $25-35 each month, and the price is factored into your monthly payment.
Many DMP’s will have you repay 2.5 percent of your overall credit card debt per month.
Credit Counseling and Debt Management in Haltom City, TX
- Debt Consolidation-Consumer Credit Haltom City, 8156 Denton Hwy, 76148