Credit Counseling: Atmore (AL)

AL Debt Relief

Credit Counseling Atmore ALHave you been looking for a better way to get free from debt? If that’s the case, a trusted Atmore credit counseling agency might be the answer. Isn’t it time to talk with an authorized Atmore credit counselor about managing your debt?

Atmore AL Credit Counseling

Credit counseling was initially established to help credit card issuers retrieve funds from consumers who were past due on their bills before relying on collectors. As a result, a good number of credit counseling solutions are inexpensive. Of Atmore’s 18,743 consumers, it’s believed that 691 are unable to afford their revolving credit payments on a monthly basis.

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Your ratio of debt to income helps to assess whether your state of affairs warrants credit counseling.

Pay DTI Debts Seriousness?
$755 36% $272 Ideal
$755 43% $325 Need to Cut Back
$755 50% $378 Assistance Needed!

Debt Counseling Programs: Atmore, AL

Debt Counseling Atmore AL

If you’re in a lot of debt, your credit counseling consultant will probably recommend that you enroll in a debt management program (DMP). Why participate in a DMP? For a start, you may be able to profit from:

  • Lesser Interest
  • Reduced Debt Collection Phone Calls
  • Single Payment On a Monthly Basis
  • Speedier Way out of Debt

In essence, your credit counselor will deal with your creditors personally.

Defending Yourself Against Credit Counseling Scams: Atmore, AL

Credit Counseling Atmore AL

Overall, credit counseling and debt management plans have been vetted by the FTC and other federal bodies, but respected credit counseling agencies in Atmore, AL, and throughout the country typically offer:

  • Qualified Consultants
  • Legit Testimonials
  • Non-Profit Status
  • Direct Answers to All Inquiries
  • Gratis Recommendations (DMP’s do are not free)
  • Custom-Made Action Plan

To read more, check out this FTC report on the subject.

Needless to say, unsecured credit card debt is incredibly troublesome because the excessive APR’s cause your debt to keep rising. Any effective credit counseling agency in Atmore can have a good number of your credit card companies scale back your interest rates and additional fees, saving you big money down the road. Curious to learn how much credit counseling in Atmore, AL, could help you save?

Atmore AL Credit Counseling

Credit Counseling Atmore AL

Credit counseling firms in Atmore and across the nation are not allowed to charge upfront fees, according to the FTC. Debt management programs are very reasonable: $25-$35 per month, and the cost is built into the amount you pay each month. How much will your monthly payments be? That will depend on how much you owe. Usually 2.5% of the amount you owe.

Let’s look at a top level view of how much this amounts to, based on differing levels of personal debt.

Debt 2.1% 2.5%
$5000 $105 $125
$15,000 $315 $375
$20,000 $420 $500
$25,000 $525 $625
$30,000 $630 $750
$35,000 $735 $875
$45,000 $945 $1125
$50,000 $1050 $1250
$55,000 $1155 $1375
$75,000 $1575 $1875
$80,000 $1680 $2000

Consumer Credit Counseling Service in Atmore, AL

Consumer Credit Counseling Atmore AL

The country’s biggest nonprofit credit counseling provider is the NFCC. Their network is known as Consumer Credit Counseling Service, or CCCS. A Consumer Credit Counseling Service in Atmore, AL, will normally be:

  • Non Profit
  • NFCC Affiliate
  • BBB Member

Usually a CCCS organization will supply not just not for profit credit counseling, but also Atmore bankruptcy counseling for Atmore consumers, as well as housing assistance and credit rating counseling. To discover the CCCS office that’s closest to Atmore, AL, please check the list of Atmore credit counseling firms we’ve published. If you aren’t seeing one, you can search the NCFF member directory:

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Credit and Debt Counseling in Atmore (AL)

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