Debt Relief

Credit Counseling: Wylie (TX)

Credit Counseling Wylie TXHave you got poor credit and too much debt? If that’s the case, a trusted Wylie credit counseling agency might be the answer.

We work with debt management and credit counseling companies in Wylie to help you get the help you need.

For people in Wylie, credit counseling is usually the most affordable way out of debt.

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Your debt to income ratio, aka DTI, helps to evaluate whether or not your state of affairs warrants credit counseling.

Earnings DTI Debts Level
$5,020 Less than 36% $1,807 or less No Problems
$5,020 36%-43% $1,807-$2,159 Fine
$5,020 43%-50% $2,159-$2,510 Too High
$5,020 50% Plus $2,560 or More Contact a Professional!

Credit Counseling Plans in Wylie (TX)

Do you have at least $10K in unsecured debt or have monthly payments related to rent, loans, or credit cards that amount to more than 50 percent your income? If so, you might need to register for a debt management plan (DMP). If you sign up for a DMP, you might benefit from:

  • Cheaper Credit Card Rates
  • Reduced Debt Collection Telephone Calls
  • Single Payment Per Month
  • Speedier Way out of Debt

In essence, your credit counseling firm will handle your creditors personally.

Selecting a Credit Counseling Company: Wylie, TX

Assuming that you are dealing with an honest organization, credit counseling can help. Actually, the Federal Trade Commission now demands it for people declaring bankruptcy in Texas and countrywide. But keep clear of any credit counseling companies that claim they’re able to:

  • Halt all calls from debt collectors
  • Charge a fee upfront for their services

For details, check out this FTC guide on the subject. Of course, at Texas Debt Consolidation, we help guide you to an appropriate credit counseling or debt relief option based upon your unique needs.

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Credit Counseling Wylie TX

It’s tough to say just how much it’s possible to save through credit counseling, but your credit counselor will usually be able to work out more affordable rates and penalties.

A brief analysis of your financial situation is required to provide a definitive savings quote.

Credit Counseling in Wylie TX

Although not free, managing debt is an appealing solution for a lot of Wylie residents. There is typically an enrollment fee of no more than $75, along with a fee every month of $40 or less. With a debt management program, the money you shell out each month paying back your credit balances is normally the same as your minimum credit card payment (usually 2.5%).

Non-Profit Credit Counseling Service: Wylie, TX

Texas’s chief nonprofit credit counseling group is the NFCC. Their network is referred to as the CCCS, or Consumer Credit Counseling Service. In Wylie, Texas, a Consumer Credit Counseling Service will usually be:

  • A Not For Profit
  • NFCC Affiliate
  • Accredited by the Department of Housing and Urban Development (HUD)
  • Approved by The COA (Council on Accreditation)
  • Member of the Better Business Bureau

Ordinarily a CCCS agency will supply not only non profit credit counseling, but also:

  • Post/Pre Bankruptcy Counseling for Wylie Residents
  • Housing Assistance
  • Credit Score Reviews
  • Financial Seminars

To locate the closest CCCS location in Wylie, TX, have a look at the listing of agencies we offer. As an alternative, you can do a seach on the NCFF locator service: http://www.nfcc.org/FirstStep/firststep_01.cfm

>> Get Your No Cost Credit Counseling Evaluation

Credit Counseling and Debt Management Agencies: Wylie, TX

  • New Horizon Processing, 403 S Birmingham St, 75098