Credit Counseling: Phenix City (AL)

AL Debt Relief

Credit Counseling Phenix City ALAre you drowning in monthly payments? If that’s the case, a trusted Phenix City credit counseling agency might be the answer. First off, let’s determine how much credit counseling could minimize the payments you’re making every month.

Phenix City AL Credit Counseling

As for the cost of credit counseling, Phenix City residents typically find that it’s the least expensive option. There are 49,414 people living in Phenix City, AL, and we believe that 1,822 are now late on their credit card payments.

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Your ratio of debt to income helps to confirm whether or not your finances warrant credit counseling. Listed here are a few statistics based on earnings of $24,605 annually. For people in Phenix City, this income is average.

  • $738 (36%): Ideal
  • $738 to $882 (36-43%): Decent
  • $882 to $1,025 (43-50%): Risky
  • $1,025 plus (50%): Acute

Credit Counseling Plans in Phenix City, AL

If you have significant debt, your credit counseling specialist could very well advise you to enroll in a debt management program (DMP). Why sign up for a DMP? Well, you may be able to take advantage of:

  • Cheaper Interest
  • Decreased Debt Collection Calls
  • Consolidated Payment Per Month
  • Speedier Way out of Debt

Every month, you will submit an agreed sum to your Phenix City credit counselor. They split up the funds among your creditors.

Settling on a Credit Counseling Firm in Phenix City, AL

Credit Counseling Phenix City AL

By and large, credit counseling has been vetted by the Federal Trade Commission and other federal bodies, but it is important to confirm that your credit counseling firm is an established one. This can be done in several ways, such as reading their consumer reviews, checking out whether they are certified in Alabama, and reviewing their Better Business Bureau page.

Keep in mind that being a non-profit doesn’t necessarily mean that a credit counseling organization is legitimate.

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Credit Counseling Phenix City AL

Some folks incorrectly reckon that credit counseling is useless simply because it does not decrease the debt you owe, but they don’t understand that a debt management program could lower your interest rates – a highly effective way to cut costs. To find out just how much a DMP could save you, you need to speak to a good credit counselor in Phenix City, AL – today!

Credit Counseling and Debt Management: Phenix City, AL

  • A American Debt Consolidation, , 31904
  • Consumer Credit Counseling, , 31904
  • Consumer Credit Counseling, , 31904