Debt Relief

Credit Counseling: Houston (TX)

Credit Counseling Houston TXAre you looking to get your debts repaid and reestablish your credit? Well then a trusted Houston credit counseling agency could help. Credit counseling is a budget friendly way of decreasing your debt payments with less risk of harming your credit in the long run.

Houston TX Credit Counseling

These days, a large number of credit counseling organizations in Houston are funded at least partly via Fair Share, which means they are given a percentage of the amount recovered. The credit card issuers basically pay this. What this means is virtually all credit card counseling services are inexpensive.

>> Get Your No Cost Credit Counseling Evaluation – Today!

Debt for Houston Residents: How Much is Too Much?

If your debt to income ratio is higher than 50%, you probably should speak with a credit counselor in Houston immediately. For the average Houston consumer who’s got an income of $1,888 monthly, this is $944 or more each and every month.

If you’re in severe debt, your credit counselor could very well want you to enroll in a debt management plan. A DMP is a form of debt consolidation, as the money you owe each month is condensed into just one payment, but no loans are needed. In essence, your credit counseling agency will manage your creditors personally.

CCCS vs Other Choices

Credit Card Counseling Houston TX

Credit counseling should not have a long term detrimental influence on your credit ratings, as Fair Isaac has stated they don’t take note of such programs when calculating your rating, but loan companies may be reluctant to lend you a new property or auto loan if you are currently enjoying the services of a credit counseling organization in Houston, TX. Let’s be honest, they may decide that you owe too much to deal with a whole new loan.

How to Avoid Credit Counseling Ripoffs: Houston (TX)

As an industry, credit counseling has been recognized by the FTC and other government bodies. But the truth is, professional credit counseling services in Houston, TX, and across the nation ought to provide you:

  • 45 to 60 Minutes of Initial Counseling Sessions
  • Zero Initial Charges
  • A Tailor-Made Plan Of Action
  • Certification Credentials

For more information, read this FTC post on selecting a credit counselor.

Please don’t choose a credit counselor that you can’t count on. Why don’t we help you find a good Houston credit counseling professional.

How Much Will Debt Management Help Save?

Credit Counseling Houston TX

With credit counseling, you’ve still got to pay back 100% of your debt. Thank goodness, you may not be required to pay as much each month as you have been paying, as long as your creditors agree to the terms of the debt management program.

Let a knowledgeable credit specialist examine your finances and give you a savings estimate.

Credit Counseling in Houston TX

Credit Counseling Houston TX

Although credit counseling is typically complimentary, debt management plans require monthly fees.

Debt management plans are very inexpensive. They normally cost $25-$35 a month, and the price is built into your monthly payment.

Most plans will require that you pay back 2.5% of your overall credit card debt on a monthly basis.

Credit and Debt Counseling: Houston, TX

  • Money Management By Mail, 4600 Gulf Freeway Frontage Rd #500, 77023
  • Aaa Credit Services, 17041 El Camino Real, 77058
  • Center For Financial Healing, 5410 W Bellfort St, 77035
  • Consumer Credit Counseling Services, 11550 Fuqua St, #350, 77034
  • Consumer Credit Counseling Services, 12605 East Fwy, #500, 77015
  • Consumer Credit Counseling Services, 12605 E Freeway Service Rd #500, 77015
  • Credit Debt & Identity Theft Resolutn Center of Amrca, 10235 W Little York Rd, 77040
  • Credit Repair, 1214 Blue Bell Rd, 77038
  • Credit Restoration Clinic Company, 11500 Northwest Fwy, 77092
  • Serenity Credit Services, 525 N Sam Houston Pky E, 77060
  • Consumer Credit Consultants, 9777 Harwin Dr, #320, 77036
  • Credit Rewind, 7457 Harwin Dr, #301, 77036
  • Dignity Credit Services, 9894 Bissonnet St, 77036
  • National Settlements Inc, 3100 S Gessner Rd, 77063
  • Freedom Debt Relief, 8989 Westheimer Rd, 77063
  • CCCS (A Division of MMI), 1716 Mangum Rd, 77092
  • Cashman, Robert Z Attorney – Cashman Law Firm, PLLC, , 77055
  • Repair Credit Report, 1323 Aldine Mail Rd, 77039
  • RW Mortgage Services, , 77044
  • Waldron & Schneider, LLP Attorneys at Law, 15150 Middlebrook Dr, 77058
  • Law Offices of Corey L Mills, 952 Echo Ln, #380, 77024
  • Law Offices of JR Cantu, 10777 Westheimer Rd, #1100, 77042
  • Fealy Law Firm, 1225 N Loop W Fwy #1020, 77022
  • Law Office of Kristin M Guiney, PLLC, 1214 Heights Blvd, 77008
  • Burger Law Firm, 4151 Southwest Fwy, 77027
  • Pope, James Q Attorney – the Pope Law Firm, 4801 Woodway Dr, #300, 77056
  • LLS Bankruptcy Attorneys Houston, , 77079
  • Stewart, Pamela Attorney – Pamela L Stewart, Esq, 4635 Southwest Fwy, #610, 77027
  • Debt Consolidation Gteed 50% Off Your Debt!, 834 Park Trail Vis, 77019
  • Karni, Dana Attorney – Karni Law Firm, PC, 4635 Southwest Fwy, 77027
  • National Credit Organization, 10101 Southwest Fwy, #400, 77074
  • Title Loan, 5506 Bellaire Blvd, 77081
  • RMI Consulting LLC, 1400 Broadfield Blvd, #200, 77084
  • Consumer Credit Counseling, , 77079
  • Credit Results USA, 6666 Harwin Dr, #300, 77036
  • Credit Strategies LLC, 14780 Memorial Dr, #202, 77079
  • Debt Consolidation-Consumer Credit Counseling Houston, 8271 Norfolk St, 77027
  • Houston Pawn and Jewelry, 6909 Hillcroft Ave, 77081
  • Carmela’s Credit Repair, , 77079
  • Money Management International, 7915 Fm 1960 Rd W, #130, 77070
  • Cicreditrepair, 15211 Park Row, 77084
  • Money Management International, 9009 W Loop S Fwy, 77096
  • Credit Repair Express, 2401 Westridge St, 77054
  • Nolton Jolivette, , 77079
  • UNITED CREDIT REPAIR, 8707 Richmond Ave, 77063
  • SAVOYBLANC LLC, 5100 Westheimer Rd, #585, 77056
  • Money Management International, 4600 Highway 6 N, #250, 77084
  • FINANCIAL SOLUTIONS CREDIT REPAIR, 723 Main St, 77002
  • Houston Cash Advance Payday Loans, 1302 Waugh Dr, 77019
  • Financial Destination Inc Free Credit Repair, , 77079
  • Houston Credit Repair, 7941 Katy Fwy, #401b, 77024
  • Consumer Credit Counseling, , 77079
  • Credit-Today.com, 7941 Katy Fwy, #401, 77024
  • Speedy Cash, 8569 Long Point Rd, 77055
  • Consumer Credit Counseling, , 77079
  • Q Mart, 2243 Texas Ave, #6, 77003
  • Money Management International, 1 Greenway Plz, #130, 77046
  • The Mortgage Doctors, 11201 Shannon Hills Dr, 77099
  • Consumer Credit Counseling, , 77079
  • Non Profit Debt Consolidation Service, 1200 Smith St, #1600, 77002
  • Prestige Merchant Services, 10101 Fondren Rd, 77096
  • Vasquez, Jay Manager – Sherlock Consulting, , 77079
  • Credit Repair, 14207 State Highway 249, 77086
  • Miller, Edward CEO – Debt Consolidation Houston, 1111 Louisiana St, 77002
  • Consumer Credit Counseling, , 77079
  • Consumer Credit Counseling, , 77079
  • AAA Credit Screening Service, 17041 El Camino Real, #102, 77058
  • New Clarity Credit Repair, 12406 Silversmine Dr, 77014
  • Csc Credit Svc Incorporated, 652 N Sam Houston Pky E, 77060
  • Money Management International, East Fwy, 77520
  • Sbs Credit Services, 8011 Rock Rose St, 77051
  • Money Management International, 9009 West Loop S, 77096