Credit Counseling: Haleyville (AL)

AL Debt Relief

Credit Counseling Haleyville ALCan’t afford to pay the minimums on your credit lines every month? In that case, you’d be smart to find a credit counselor in Haleyville, AL.

We work with debt management and credit counseling agencies to help you get the debt relief you’re looking for.

Credit counseling for Haleyville consumers has a variety of positives. These include:

  • Reduced Rates
  • 3 to 5 Year Repayment Schedule
  • Systematic Payment of Balances
  • Healthier Financial Management Skills

We estimate that 531 of Haleyville’s 14,407 inhabitants would benefit from credit counseling.

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If your ratio of debt to income is over 50%, we suggest you look into credit counseling asap. For the average Haleyville card-holder that has an income of $2,257 each month, this is more than $1,129 on a monthly basis.

An important aspect of credit counseling is managing debt. A debt management plan is a form of debt consolidation, in that the money you owe every month will be condensed into one monthly payment. However, no loan is necessary. Your credit counseling firm will take care of paying the credit card companies every month. All you’ll need to do is make sure they get just one payment on a monthly basis.

Selecting a Credit Counseling Agency in Haleyville, AL

As long as you get an experienced agency, credit counseling can really help. In point of fact, the Federal Trade Commission now requires it for people who want to file bankruptcy. But you really need to be sure that your credit counseling company is credible. You can do this in many ways, for example checking their consumer reviews, verifying their certification status, and viewing their BBB reviews.

For more information, check out this FTC write-up on the subject.

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Credit counseling will not decrease the original debt. However, your credit counseling agency will usually be able to work out decreased rates and fees.

A short assessment of your finances is needed to provide a detailed savings estimate.

The Cost of Credit Counseling: Haleyville, AL

The FTC restricts credit counseling services from charging you up-front. Debt management programs are very reasonably priced: $25-$35 per month, and the price is included in the amount you pay each month. As far as your debt payments, you will generally be required to submit a payment of 2.1 to 2.5% each month to your credit counseling firm, which will then be sent to your different credit card companies. The following is an overview of how much your monthly payments would be, given varying degrees of unpaid debt.

  • $30,000 Debt: $630 to $750
  • $40,000 Debt: $840 to $1000
  • $45,000 Debt: $945 to $1125
  • $50,000 Debt: $1050 to $1250
  • $55,000 Debt: $1155 to $1375
  • $65,000 Debt: $1365 to $1625
  • $95,000 Debt: $1995 to $2375

Bankruptcy Counseling in Haleyville, AL

We estimate that 92 of Haleyville’s 14,407 residents have found it necessary declare bankruptcy.

Before declaring bankruptcy, you will be required to attend an accredited credit counseling program and get a certificate to present in court.

You can attend the session:

  • In Person
  • By Telephone
  • Web-Based

Normally, you need to register for credit counseling post bankruptcy too.

To find approved pre-bankruptcy credit counseling agencies for Haleyville residents, check this page. Alternatively, you can get hold of a qualified credit advisor by completing this form.

Consumer Credit Counseling Service: Haleyville, AL

In Haleyville, AL, Consumer Credit Counseling Service, also called CCCS, may provide low-priced credit counseling for local residents. In Haleyville, Alabama, a Consumer Credit Counseling Service will normally be:

  • A Not For Profit
  • Part of the NFCC (National Foundation for Credit Counseling)
  • Have CCCS in their Name

Usually a CCCS agency will make available Haleyville bankruptcy credit counseling for Haleyville residents, not to mention housing assistance and credit score guidance.

To find the CCCS location that’s closest to Haleyville, AL, reference the list of Haleyville credit counseling services we offer. If you can’t find any, you can perform a seach on the NCFF member directory:

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Credit Counseling / Debt Counseling Agencies: Haleyville, AL

  • Cook J Shane Attorney, 19th St, 35565
  • Jackson, Jerry W – Jackson Jerry W, 914 County Highway 19, 35565