Debt Relief

Credit Counseling: Mesquite (TX)

Have you been struggling to find a credit counselor in your part of Texas? It’s easy to find out how much credit counseling in Mesquite, TX, could help you save.

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Ideal candidates have stable income, debts of more than $5K, and have thought about bankruptcy.

Please remember that credit counseling isn’t going to eliminate your debt. That said, it looks a lot better to prospective lenders than a debt settlement program.

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Is your debt to income ratio higher than 50%? If so, don’t hesitate to look into credit counseling as soon as possible. For the average Mesquite resident who has an income of $3,398 monthly, this is more than $1,699 each and every month.

If you’re in more than $10,000 of debt, your credit counseling consultant could very well advise you to participate in a debt management plan. If you participate in a DMP, your Mesquite TX credit counselor may able to secure cheaper rates of interest and fees and penalties from the creditors you’re paying back. Each month, you will submit a single amount to your Mesquite credit counseling agency. They then divide up the money among each of your creditors.

Credit counseling and debt management typically doesn’t have a long term detrimental impact on your credit scores, as opposed to debt negotiations in Mesquite, TX, but creditors may be unwilling to say yes to new automobile or property loans if you’re enjoying the services of a credit counseling agent in Mesquite, TX.

How to Avoid Credit Counseling Scams in Mesquite (TX)

Overall, credit counseling and debt management plans have been recognized by the FTC and other state and federal bodies, but beware of any credit counselors in Mesquite that advertise that they can:

  • Put an end to all debt collector calls
  • Get you out of debt by means of some government program
  • Guarantee the removing of credit card debts
  • Charge a fee ahead of time for their products and services

For details, read this FTC write-up on how to choose a credit counselor.

You should never settle for a credit counselor you can’t count on. Why don’t we help you find a reputable Mesquite credit counseling professional.

Credit Counseling Mesquite TX

Needless to say, personal credit card debt is extremely hard because the exorbitant rates allow your debt to keep growing. Any effective credit counseling specialist in Mesquite should be able to have the majority of your credit card companies decrease your interest levels and late fees, saving you big money in the end. Are you ready to determine how fast credit counseling could get you out of debt?

Mesquite TX Credit Counseling

Fees Associated with Credit Counseling Services: Mesquite, TX

For profit Mesquite credit counseling agencies who offer services via telephone are restricted by the FTC from asking for payment until they produce results.

How much does a debt management plan cost you? Normally $25-30 each month, plus a setup fee of about $100.

How much will your payments be? That depends on your credit balances. Typically 2.5% of the amount you owe. Below is a breakdown of how much we’re talking about, based on varying amounts of unsecured debt.

  • $20,000 Debt: $420 to $500
  • $70,000 Debt: $1470 to $1750
  • $90,000 Debt: $1890 to $2250
  • $95,000 Debt: $1995 to $2375

Debt and Credit Counseling Agencies: Mesquite, TX

  • Consumer Credit Counseling Service, 3939 Us-80 E, 75150
  • Consumer Credit Counseling, , 75180