Credit Counseling: Alexander City (AL)

AL Debt Relief

Want to get your debts paid back and rebuild your credit? If that’s the case, you’ve come to the right place. We connect our visitors to approved credit counseling agencies in Alexander City, AL.

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Most people in need of credit counseling have the following:

  • $10,000 in Non-Secured Debts
  • Ability to Allocate $250-$300 Toward Monthly Payments

In the long term, working with an experienced Alexander City credit counselor does a lot less harm on your fico score than a debt settlement program because you never stop paying your credit card companies.

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Credit Card Debt in Alexander City: How Much is Excessive?

Credit Counseling Alexander City AL

On average, the income for people in Alexander City is $15,416 a year, which is $1,285 each month. You need to talk to a credit counselor if you make this much and find you are having to pay $553 to $643 each month on debts that are secured or unsecured, for example:

  • Credit Cards
  • Loans
  • Payday Cash Advances
  • Mortgage/Rent

Debt management programs, often known as DMP’s, are often linked with with credit counseling. A debt management plan is a method of debt consolidation, because your payments to creditors is combined into just one payment, but no loans are required.

If you sign up for any debt management plan in Alexander City, AL, the credit counselor will control payment to the credit card companies each and every month. The only thing you’ll need to do is give them a single payment amount.

Identifying Credit Counseling Shams: Alexander City, AL

As long as you find a reputable company, credit counseling can really help. Indeed, the Federal Trade Commission now demands it for individuals declaring bankruptcy. But trustworthy credit counselors typically provide:

  • Seasoned Advisors
  • Legitimate References
  • Straight Answers to Any Inquiries
  • No cost Counseling Sessions (DMPs do charge a small fee)
  • Written Action Plan

Don’t forget, non profit status isn’t going to guarantee that a credit counseling service is legitimate.

Don’t forget, we help you find an appropriate credit counseling or debt relief solution based on your unique needs.

How Much Will Credit Counseling Help Save?

A lot of people mistakenly think that credit counseling is worthless because it does not reduce your overall debt, but they don’t realize that a DMP can decrease your rates of interest – a good way to save money. Are you ready to find out how much credit counseling in Alexander City, AL, could help you save?

Consumer Credit Counseling Service in Alexander City (AL)

Non-Profit Credit Counseling Alexander City AL

In Alexander City CCCS, an abbreviation for Consumer Credit Counseling Service, may provide non profit credit counseling for Alexander City families. A Consumer Credit Counseling Service in Alexander City, AL, will usually be:

  • Not For Profit
  • Affiliated with the National Foundation for Credit Counseling (NFCC)
  • Accredited by The COA (Council on Accreditation)
  • Have CCCS in their Name

Normally a CCCS firm will provide not just consumer credit counseling, but also:

  • Post/Pre Bankruptcy Counseling for Alexander City Residents
  • Home Counseling
  • Credit Profile Reviews
  • Debt Management Plans

Don’t be surprised to pay out about a maximum of $40 on a monthly basis.

To locate the nearest CCCS agency in Alexander City, AL, please check the directory of firms this site offers or head over to www.DebtAdvice.org.

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Some non-profit credit counseling firms in Alexander City, AL, strive to help their clients become debt-free according to Christian concepts. They offer equivalent offerings as conventional agencies.

Debt and Credit Counseling Agencies in Alexander City, AL

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