Are you looking to get your financial life back on the right track? Then tracking down a trained credit counselor in Azle might be the answer.
We match you with credit counselors and debt management companies in Azle to help you get the debt relief you’re looking for.
Your Azle credit counseling expert may be able to help you:
- Merge Your Monthly Payment
- Secure Cheaper Interest Levels
- Prevent Debt Collections Calls
- Formulate a Plan for Paying down Your Credit Card Debt
We have calculated that 859 of the 23,303 residents of Azle are now falling behind on their credit card payments.
Do I Need Debt Counseling in Azle, TX?
Your ratio of debt to income helps to verify whether or not your state of affairs warrants credit counseling. Have a look at some statistics based on earnings of $21,773 per year. For people in Azle, this level of income is average.
- $653 (36%): Ideal
- $671 to $762 (37-42%): Okay
- $780 to $907 (43-50%): Risky
- $907 plus (50%): Severe
Debt Counseling Programs in Azle, TX
Have you got at least $10,000 in medical or credit card debt or have a DTI of 50% or more? Then your credit counselor may decide that you need to enroll in a debt management plan (DMP). Why should you sign up for a DMP? To begin with, you might profit from:
- Lesser Interest Rates
- Decreased Debt Collection Calls
- Consolidated Payment On a Monthly Basis
- Quicker Way out of Debt
Under a debt management plan in Azle, TX, the credit counseling firm will handle paying the credit card companies each month. The only thing you’ll have to do is provide them with a single monthly payment.
Azle Debt Management versus Other Choices
Credit counseling is not supposed to decrease your credit score in the long run, as FICO doesn’t look at these types of programs when assessing your scores. In spite of this, loan companies may be hesitant to lend you new home or car loans if you’re benefiting from the services of a credit counseling agent in Azle, TX.
Selecting a Credit Counseling Agency in Azle, TX
In general, credit counseling and debt management plans have been recognized by the Federal Trade Commission and other government bodies. But bear in mind, be wary of any credit counseling companies in Azle that declare that they’re able to:
- Halt all calls from debt collectors
- Charge you in advance for their services
For additional information, check out this FTC article on the subject.
How Much Could Debt Management Save You?
Credit counseling saves you money because the credit card providers generally agree to drop monthly payments, APR’s, and late payment fees.
Ready to find out how soon credit counseling could get you out of debt?
Consumer Bankruptcy Counseling: Azle, TX
Bankruptcy has become widespread in the state of Texas. Azle has 23,303 residents, and it’s estimated that 48 have filed for bankruptcy.
Credit counseling is now required before declaring bankruptcy. You aren’t required to enroll with a local Azle credit counselor for this. Services are offered over the internet and over the phone, not just personally.
Don’t forget that you must enroll in credit counseling after bankruptcy too.
To find approved pre-bankruptcy credit counseling courses for Azle residents, check this page. Or alternatively, you can talk with an experienced credit guide:
Non-Profit Credit Counseling Service: Azle (TX)
The NFCC, or National Foundation for Credit Counseling, is the number one network of consumer credit counseling organizations in Texas. Members are normally recognized as CCCS, or the Consumer Credit Counseling Service. In Azle, Texas, a Consumer Credit Counseling Service will normally be:
- Non Profit
- NFCC Member
- Accredited by The COA (Council on Accreditation)
- Member of the Better Business Bureau
In most cases a CCCS organization will offer not just consumer credit counseling, but also:
- Post/Pre Bankruptcy Credit Counseling
- Home Assistance
- Financial Education Courses
Bear in mind, nonprofit credit counseling in Azle, TX, does not always mean no cost.
To locate the CCCS agency nearest to Azle, TX, check the directory of agencies this site offers. As an alternative, you can check the NCFF locator service located here
Credit Counseling and Debt Counseling Agencies: Azle (TX)
- Consumer Credit Counseling Service, 1501 Southeast Pky, 76020
- Foley, James PLLC – James Foley, PLLC, Attorney at Law, 4455 Camp Bowie Blvd., Suite 114 Pmb 45, 76020