Credit Counseling: Guntersville (AL)

AL Debt Relief

Are you looking to repay your debts and get your financial situation back in line? If so, you’ve come to the right place. We help Alabama consumers get out of debt.

>> Free No Hassle Debt Assessment!

As for the cost of credit counseling, Guntersville residents typically find that it’s the least expensive means of getting out of debt.

>> Get a No Obligation Credit Counseling Evaluation!

Lenders want to know how much you earn compared to how much you owe? This is the heart of the matter when it comes to debt. The math is easy.

Pay DTI Debt Level
$2,639 Less than 36% $950 or less Recommended
$2,639 36%-43% $950-$1,135 Fine
$2,639 43%-50% $1,135-$1,320 Too High
$2,639 50% Plus $1,346 or More Seek Assistance!

Debt Management: Guntersville, AL

Credit Card Counseling Guntersville AL

Debt management is virtually interchangeable with credit counseling. A debt management program is a way of consolidating debt, given that your payments to creditors is consolidated into just one amount. However, there is no loan necessary, as opposed to some strategies of debt consolidation in Guntersville, AL.

Under a debt management plan in Guntersville, the credit counseling firm will carry out paying the credit card companies each month. The only thing you’ll need to do is provide them with the prearranged payment on a monthly basis.

Defending Yourself Against Credit Counseling Scams in Guntersville (AL)

In general, credit counseling has been vetted by the FTC and other state and federal bodies. But there are a variety of ways to ensure that your Guntersville credit counseling specialist is trustworthy:

  • Inquire about testimonials
  • Verify their qualifications
  • Double check that your consultant is certified

For details, look at this FTC report on the subject.

If you contact us for a no cost assessment, you can be more confident that you’re going to be connected with one of the more legitimate debt management services your area.

>> Get Your Debt Analysis Today

If your creditors agree to accept your Guntersville credit card counseling service’s debt management plan, you’ll profit from lowered rates of interest, penalties, and lower payments per month.

Let a highly trained credit specialist examine your finances and offer a savings estimate.

Fees Associated with Credit Counseling Services: Guntersville, AL

Credit counseling firms in Guntersville and throughout the country are not allowed to charge up-front fees by the FTC. Though not free, managing debt is an appealing solution for a lot of Guntersville residents. There is typically an enrollment fee of no more than $75, along with a monthly charge of $25-$30. Many programs will want you to repay 2.5% of your overall debt each month. You might be interested in a table that shows how much this amounts to, based on various degrees of debt.

Debt 2.1% 2.5%
$10,000 $210 $250
$15,000 $315 $375
$25,000 $525 $625
$35,000 $735 $875
$50,000 $1050 $1250
$55,000 $1155 $1375
$60,000 $1260 $1500
$70,000 $1470 $1750
$75,000 $1575 $1875
$85,000 $1785 $2125
$90,000 $1890 $2250
$100,000 $2100 $2500

Non-Profit Credit Counseling Services in Guntersville (AL)

Non-Profit Credit Counseling Guntersville AL

Alabama’s biggest nonprofit credit counseling organization is the NFCC. Their network is called the Consumer Credit Counseling Service, or CCCS. A Consumer Credit Counseling Service in Guntersville, AL, will generally be:

  • A Not For Profit
  • NFCC Member
  • Approved by the Department of Housing and Urban Development (HUD)
  • Endorsed by The COA
  • Have the word CCCS in their Website

Typically a CCCS organization will supply much more than just credit counseling. They will offer:

  • Pre/Post Bankruptcy Credit Counseling for Guntersville Residents
  • Home Counseling
  • Credit Rating Reviews
  • Money Management Courses

To locate the CCCS office that’s nearest to Guntersville, AL, research the directory of services we’ve published or check the NCFF’s agency directory on this page

>> Speak to a Debt Specialist Now

Credit Counseling / Debt Counseling in Guntersville, AL

  • Consumer Credit Counseling Service, 86 Conley Rd, 35976