Are you having trouble paying down your cards or bills when they’re due? If so, you’ve come to the right place. At Debt Consolidation Texas, we help our clients determine the Pearland TX credit counseling and debt management options that fit their needs.
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Credit counseling was originally implemented for credit card issuers to get funds from consumers who were overdue on their bills before resorting to debt collectors. This means that many credit card counseling solutions are easy on the pocketbook.
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Managing Debt in Pearland, TX
The average income for people in Pearland is $43,472 annually, which is $3,623 per month. You need to talk to a credit counselor if you earn this much and are spending $1,558-$1,812 each and every month on debts like rent, mortgage, loans, and credit cards.
Debt management is often linked with with credit counseling. As part of a debt management program, your Pearland TX credit counselor may able to get you more affordable interest rates and better terms from your credit card companies. Your credit counselor will handle paying the credit card companies each month. The only thing you need to do is supply them with the predetermined payment on a monthly basis.
Avoiding Credit Counseling Scams: Pearland, TX
Overall, credit counseling has been checked out by the FTC and other government authorities. Nevertheless, honest credit counseling companies typically offer you:
- Licensed Counselors
- Valid Testimonials
- Straight Responses to Your Questions
- Free Counseling
- Tailor-Made Action Plans
To read more, check out this FTC article on the topic.
Naturally, we help you find the very best credit counseling or debt management program based upon your distinct situation.
As you know, consumer credit card debt is extremely challenging since the excessive rates of interest cause your debt to keep going up. Any reputable credit counseling agency in Pearland can have several of your creditors slash your rates of interest and late charges, helping you save serious money long term.
Let a skilled credit specialist have a look at your finances and tell you how much you could save.
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The FTC prohibits credit counseling companies from invoicing you before they do anything. How much will a debt management plan cost? Normally $25-30 a month, coupled with an initial fee of about $90.
If you can afford to pay back $2.50 of each $100 you owe month after month, you could repay your debts in around 3.5 years, but only if your credit consultant can freeze your interest rate. With interest, it’s going to take appreciably more time.
Credit Counseling and Bankruptcy in Pearland (TX)
More and more Pearland residents have been considering bankruptcy. Pearland has 60,120 residents, and we estimate that 124 have gone into bankruptcy.
Before declaring bankruptcy, you need to go through an accredited credit counseling program and get a certificate to present in court.
You don’t have to enroll with a local Pearland credit counseling agency. Services are offered on the web and on the telephone.
Do not forget- consumer credit counseling after bankruptcy is also mandatory. For an approved list of approved Texas credit counseling programs, just click here, or you can get hold of a seasoned debt professional:
Non-Profit Credit Counseling Services: Pearland (TX)
In Pearland Consumer Credit Counseling Service, better known as CCCS, may provide cheap credit counseling for local individuals. In Pearland, Texas, a Consumer Credit Counseling Service will normally be:
- Not For Profit
- Affiliated with the NFCC (National Foundation for Credit Counseling)
- BBB Member
Typically a CCCS agency will supply Pearland bankruptcy counseling, financial education, and housing counseling.
To find the CCCS location closest to Pearland, TX, please reference the listing of firms we offer. Alternatively, you can head over to www.debtadvice.org.
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Credit Counseling / Debt Counseling: Pearland (TX)
- Novus Tax & Financial Service, , 77598
- Reliance Integrity Group, LLC, P.O.Box 84905, 77401
