Increasingly, consumers are turning to us to help them determine the debt and credit counseling options currently available.
We work with prominent credit counselors and debt management firms to help you get the help you’re looking for.
What are the hallmarks of credit counseling? Enterprise residents may take advantage of:
- Lower Monthly Payments
- Faster End to Debt
- Hands Free Payment of Creditors
- Minimal Calls From Debt Collection Companies
Of Enterprise’s 28,629 inhabitants, we believe that 1,056 are now delinquent on their credit card payments.
Do You Need Debt Counseling in Enterprise, AL?
How much you make as opposed to how much you owe. Working this out is straightforward. Let’s consider several estimates based on earnings of $1,552 per month. That’s the average in Enterprise.
- $559 (36%): Optimal
- $559 to $667 (36-43%): Acceptable
- $667 to $776 (43-50%): Risky
- $776 or more (50%): Critical
Credit Card Counseling Plans in Enterprise, AL
An integral part of credit counseling is managing debt. A debt management plan is a method of consolidating debt, because your payments to creditors is consolidated into one monthly amount. However, there’s no loan needed, in contrast to some types of debt consolidation in Enterprise, AL.
You’ll write only one monthly check to your Enterprise credit counselor, and they’ll split up the payments among each of your creditors.
Credit counseling shouldn’t harm your credit ratings in the long run, but finance companies may be hesitant to grant you new home and auto loans if you are currently enrolled in a debt management program.
Picking a Credit Counseling Agency: Enterprise, AL
In general, credit counseling and debt management plans have been checked out by the FTC and other government authorities, but trustworthy credit counseling agencies in Enterprise, AL, and throughout the nation will typically ensure that you get:
- 45 to 60 Minutes of Upfront Counseling
- No Advance Fees
- A Written Plan Of Action
- Certification Credentials
For more information, check out this FTC post on how to find a credit counselor.
If you get in touch for a no cost analysis, you can be more confident that you will end up dealing with one of the more proven credit counseling firms your area.
While credit counseling doesn’t lead to any reduction of debt, you’ll save a lot of money by virtue of lowered interest and far fewer fees. To find out what amount you could save, you need to get hold of an experienced Enterprise credit counselor – today!
Non-Profit Credit Counseling Service: Enterprise, AL
Alabama’s largest non profit credit counseling group is the NFCC, and their network is often known as the CCCS, or Consumer Credit Counseling Service. A Consumer Credit Counseling Service in Enterprise, AL, will generally be a local not for profit service that is a member of the National Foundation for Credit Counseling. Quite often a CCCS organization will supply:
- Post/Pre Bankruptcy Credit Counseling
- Housing Counseling
- Debt Management Plans
To find the closest CCCS office in Enterprise, AL, please take a look at the directory of Enterprise credit counseling services this site offers or look at www.DebtAdvice.org.
Debt and Credit Counseling in Enterprise, AL
- Consumer Credit Education & Counseling, 121 E College St, 36330