Credit Counseling: Prattville (AL)

AL Debt Relief

Are you having trouble paying your regular bills each month? Well then you’ve come to the right place.

We have partnered with debt specialists firms to help you get the help you need.

Credit counseling agents get paid via contributions from your lenders. As a result, the pricing is normally very affordable, and even free in some cases. Of Prattville’s 35,676 residents, we have to assume that 1,316 are currently behind on their credit card payments.

>> Get Your Free Debt Assessment!

How much is coming in, how much is going out. This is the crux of the matter when it comes to debt. Figuring this out is straightforward. Consider some statistics based on a salary of $2,541 on a monthly basis. For Prattville residents, this is an average income.

  • $915 (36%): Best
  • $915 to $1,093 (36-43%): Fine
  • $1,093 to $1,271 (43-50%): Problematic
  • $1,271 or higher (50%): Acute

Credit Counseling Plans: Prattville (AL)

Debt Counseling Prattville AL

Do you have at least $10K of unsecured debt or have a debt-to-income ratio of 50% or more? Then your credit counselor may say you need to register for a DMP, or debt management program. With a DMP, your Prattville AL credit counseling agency may able to work out decreased APR’s and better terms from your credit card companies. Your credit counselor will deal with payment to the credit card companies each month. Pretty much all you’ll have to do is make sure they get the fixed monthly payment.

Finding a Credit Counseling Company: Prattville, AL

Credit Counseling Prattville AL

So long as you find a reputable company, credit counseling can certainly help. Actually, the Federal Trade Commission now requires it for individuals declaring bankruptcy, but stay away from any credit counseling organizations in Prattville that say that they can:

  • End all calls from collectors
  • Clean negative stuff from your credit profile
  • Settle guaranteed debt
  • Ensure the removal of unsecured debts
  • Charge you upfront for their products and services

To read more, look at this FTC article on the subject.

>> Get Your Zero Cost Savings Estimate

Credit Counseling Prattville AL

Keep in mind that credit counseling is a way of managing debt, not reducing it. The good news is, you probably won’t need to pay as much each month as you are used to paying, because of lowered fees and interest. Let a knowledgeable credit agent look at your finances and present you with a quote for how much you could save.

>> Get a Zero Cost Savings Quote

Non-Profit Credit Counseling Service: Prattville, AL

Non-Profit Credit Counseling Prattville AL

Alabama’s chief not for profit credit counseling group is the NFCC, and their network is generally known as Consumer Credit Counseling Service, or CCCS. In Prattville, Alabama, a Consumer Credit Counseling Service will normally be a community nonprofit service that is a affiliated with the National Foundation for Credit Counseling. Generally a CCCS agency will make available:

  • Bankruptcy Credit Counseling for Prattville Residents
  • Housing Counseling
  • Credit Report Evaluations
  • Money Management Programs

Don’t be surprised to shell out around $35 every month. To find the CCCS location nearest to Prattville, AL, please reference the listing of services we’ve published. If you don’t see one, you can head to DebtAdvice.org.

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Credit Counseling and Debt Management Agencies in Prattville (AL)

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