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Credit Counseling: Harlingen (TX)

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Has your credit debt been stacking up? If so, it’s a good time to find a credit counselor in Harlingen, TX.

We can easily put you in touch with a credit counseling agency based on where you live, how much debt you owe, and personal factors. You could find yourself on your way to financial freedom in less time than you thought possible – it’s easy!

>> Get a No Obligation Credit Estimate – Online!

Ideally suited individuals for credit counseling have stable work, unsecured debts of over $3K, and have thought about filing bankruptcy.

When it comes to credit counseling, you will pay all of the debt you owe on your balances, including interest, which ends up being a lot better for your credit rating in the end than debt settlement.

We estimate that 2,989 of Harlingen’s 81,052 residents are presently behind on their monthly payments.

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Time to Seek Credit Counseling Guidance?: Harlingen, TX

Your debt to income ratio helps to confirm whether you’re in need of credit counseling.

Pay DTI Debts Severity?
$1,284 36% $462 Ideal
$1,284 43% $552 Need to Cut Back
$1,284 50% $642 High Alert

Harlingen, TX Debt Management Programs

If you are in major debt, your credit counseling professional may recommend that you take part in a debt management plan or DMP. A DMP is a way of consolidating debt, in that the money you owe on a monthly basis will be condensed into a single sum, but no loans are involved. Every month, all you have to is mail an agreed sum to your Harlingen credit counselor, and they will allocate the payments among your creditors.

Avoiding Credit Counseling Shams: Harlingen (TX)

Credit Counseling Harlingen TX

As a program, credit counseling and debt management plans have been recognized by the Federal Trade Commission and other state and federal regulators, but keep clear of any credit counselors in Harlingen that say they are able to:

  • Put an end to all calls from collection agencies
  • Get you out of debt by means of a new federal program
  • Ensure the elimination of credit card debt
  • Prevent creditors from suing you
  • Charge a fee in advance for their expertise

Please remember that nonprofit status isn’t going to guarantee that a credit counseling program is legitimate, and being for profit does not mean they’re not to be trusted.

It goes without saying, we can assist you in finding the most suitable counseling or debt relief plan based upon your specific situation.

>> Get Your Debt Analysis Today

Credit Counseling Harlingen TX

It’s hard to say how much money you’ll save, but you may not need to pay as much each month as you have been paying, if your lenders accept the terms of your debt management program. One of the debt experts we work with can have a look at your finances and offer you a savings estimate.

>> Get a Zero Cost Savings Estimate

Bankruptcy Counseling in Harlingen (TX)

Bankruptcy Counseling Harlingen TX

The economic recession hurt everybody, and bankruptcies are way up in Harlingen and across Texas. There are 81,052 consumers living in Harlingen, TX, and roughly 167 have had to file for bankruptcy.

Credit counseling is now compulsory before declaring bankruptcy. You can complete the process:

  • One On One
  • By Telephone
  • Web-Based

Some services are able to provide this service, others aren’t.

To find approved pre-bankruptcy credit counseling programs for Harlingen residents, go here. Or alternatively, you can chat with a skilled debt professional by completing this form.

Consumer Credit Counseling Service in Harlingen (TX)

Established more than 60 years ago, the NFCC is the number one network of non-profit credit counseling firms in Texas. Members are normally often known as CCCS, or the Consumer Credit Counseling Service. In Harlingen, Texas, a Consumer Credit Counseling Service will usually be a nonprofit service which uses the NFCC member seal. Normally a CCCS organization will provide:

  • Post/Pre Bankruptcy Credit Counseling
  • Housing Assistance
  • Credit File Reviews
  • Financial Courses

Typically, nonprofit doesn’t equate to free of cost. Expect to fork out about $35 each month.

To discover the CCCS location nearest to Harlingen, TX, research the directory of services we’ve provided or utilize the NCFF website by going here

>> Talk to a Credit Professional Now

Debt Management and Credit Counseling Agencies in Harlingen (TX)

  • Alpha Omega Debt Solutions, 1407 N Expy, 78550
  • Alpha Omega Debt Solutions, 1309 E Tyler Ave, 78550
  • Consumer Credit Counseling, , 78550
  • Consumer Credit Counseling Service, 2202 S 77 Sunshine Strip, #C, 78550
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