Debt Relief

Credit Counseling: Lubbock (TX)

Credit Counseling Lubbock TX Wouldn’t it be great if you could lower your interest rates and eliminate a lot of calls from debt collectors?

We have partnered with leading debt advisors companies to get you the debt relief you need.

Lubbock credit counselors will educate you, the consumer, on ways to manage debts, remedy your present financial difficulties, and prepare for your financial future.

>> Get Your Free Cost Credit Counseling Evaluation – Online!

Lenders want to know how much is coming in in comparison to how much is going out? This is the most crucial factor. Calculating this is uncomplicated. Why don’t we look at some statistics based around earnings of $15,689 per year, the Lubbock average:

  • $471 (36%): Great
  • $484 to $549 (37-42%): Acceptable
  • $562 to $654 (43-50%): Risky
  • $654 or more (50%): Severe

Debt Management Plans in Lubbock, TX

Debt Counseling Lubbock TX

Do you have at least $10,000 in unsecured debt or have monthly payments for rent, loans, or credit cards that comprise 50% your earnings? You might need to enroll in a debt management plan (DMP). Why enroll in a debt management program? Because you may profit from:

  • More Affordable Interest
  • Fewer Debt Collector Calls
  • Single Monthly Payment
  • Speedier Way out of Debt

With a debt management program in Lubbock, TX, your credit counseling agency will handle payment to the credit card companies each month. Pretty much all you have to do is supply them with one single payment on a monthly basis.

Tips on Avoiding Credit Counseling Scams: Lubbock (TX)

Credit Counseling Lubbock TX

Provided that you find an honest firm, credit counseling can be a life-saver. In point of fact, the Federal Trade Commission now mandates it for those filing bankruptcy. But be wary of any credit counselors in Lubbock that declare they’re able to:

  • End all debt collection calls
  • Reduce collateralized debt, like car loans
  • Guarantee the elimination of credit card debt
  • Charge a fee upfront for their products and services

Don’t forget, being a non-profit doesn’t necessarily mean that a credit counseling program is legit, and the other way around.

Of course, we help you find the best counseling or debt relief program based on your distinct situation.

With credit counseling, you still have to pay off all of your debt, but your creditors may waive penalty fees and lessen rates as part of a debt management program.

A short evaluation of your finances is needed to provide a detailed savings quote.

Non-Profit Credit Counseling Services in Lubbock (TX)

Launched in 1951, the NFCC (National Credit Counseling Foundation) is the largest network of not for profit credit counseling organizations in Texas. Affiliated offices are usually generally known as CCCS, or the Consumer Credit Counseling Service. In Lubbock, Texas, a Consumer Credit Counseling Service will generally be:

  • Non Profit
  • NFCC Member
  • Certified by the Dept of Housing and Urban Development (HUD.gov)
  • Approved by The COA
  • Member of the Better Business Bureau

Normally a CCCS agency will provide Lubbock bankruptcy counseling for Lubbock residents, as well as housing counseling and credit rating guidance. Unfortunately, non profit doesn’t imply free.

To find the CCCS office that’s nearest to Lubbock, TX, reference the directory of firms we’ve provided. Alternatively, you can go to the official NCFF site.

>> Get Your Zero Cost Debt Evaluation

Some non-profit credit counseling agencies in Lubbock, TX, strive to help their clients free themselves from debt in accordance with Christian concepts. The options they supply tend to be identical to a typical organization’s.

Credit Counseling and Debt Counseling in Lubbock (TX)

  • Consumer Credit – Budget & Finance Counseling Service, 1220 Broadway, 79401
  • Financial Freedom, 1220 Broadway, #1906, 79401
  • Huffman Elizabeth S, 1706 14th St, 79401
  • Certified Credit Counseling Centers, 5730 63rd St, 79424