Credit Counseling: Jackson (AL)

AL Debt Relief

Credit Counseling Jackson ALWould you like to lower the interest rates on your credit cards and pay down your debts? Well then you might need to enlist the services of a credit counselor in Jackson, AL.

We connect you with debt advisors agencies to help you get the debt relief you need.

For residents of Jackson, credit counseling is typically the most affordable solution.

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Debt Counseling in Jackson (AL)

On average, Jackson residents make $1,855 a month. Any consumer who makes $1,855 per month should have combined loan, rent, and credit card payments of no greater than $668 monthly. This is a little more than one third of their income.

If you earn $1,855 each month and are paying at least $798 (43%), you’re at risk. However, a lot of Jackson’s residents we assist have DTI’s of more than 50% ($928).

Debt management is often associated with with credit counseling. A DMP is a method of consolidating debt, as your monthly payments is condensed into just one payment. However, there is no loan needed. Under any debt management program in Jackson, the credit counseling firm will take care of paying the credit card companies each month. All you’ll have to do is make sure they get just one monthly payment.

Credit counseling and debt management should not have a permanent negative impact on your credit rating, but credit firms may not be able to lend you a new property or car loan if you’re signed up for a DMP in Jackson, AL to get out of debt.

Choosing a Credit Counseling Company: Jackson (AL)

As an industry, credit counseling and debt management plans have been checked out by the FTC and other state and federal authorities. But professional credit counselors typically offer:

  • Experienced Advisors
  • Valid References
  • Straight Replies to All Questions
  • No cost Advice

Please remember, not for profit status does not necessarily mean that a credit counseling organization is legitimate, and the opposite is true as well. If you let us get you a free assessment, you can be more confident that you will be dealing with one of the more reputable debt management firms in Jackson, AL.

Bear in mind that credit counseling is a strategy for managing debt, not settling it, but it can often result in more affordable monthly payments by means of dramatically reduced interest and penalties or fees. Want to find out how soon credit counseling could help you repay your debts?

Bankruptcy Credit Counseling: Jackson, AL

Bankruptcy Counseling Jackson AL

Of the 9,896 people who live in Jackson, roughly 63 have filed for bankruptcy. As dictated by the FTC, you must attend a credit counseling program before declaring yourself bankrupt. This session should be within half a year of when you file.

You can attend the process:

  • One On One
  • By Phone
  • On the Web

In most cases, you will be required to enroll in credit counseling post bankruptcy as well. For an approved list of approved pre-bankruptcy credit counseling services for Jackson residents, just click here, and you can get in touch with a seasoned debt guide:

Bankruptcy Credit Counseling in Jackson AL

Non-Profit Credit Counseling Services: Jackson, AL

Non-Profit Credit Counseling Jackson AL

Countrywide, the chief nonprofit credit counseling service is the NFCC. Their network is labeled the Consumer Credit Counseling Service, or CCCS. In Jackson, Alabama, a Consumer Credit Counseling Service will generally be a local non profit service which uses the NFCC seal. In most cases a CCCS firm will supply not only non profit credit counseling, but also:

  • Post/Pre Bankruptcy Counseling
  • Housing Counseling
  • Credit Profile Assessments
  • Debt Management Plans

Plan to shell out approximately no more than $40 each month. To find the CCCS office closest to Jackson, AL, please research the listing of Jackson credit counseling agencies this site offers or stop by

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Credit Counseling and Debt Management Agencies in Jackson (AL)

  • Consumer Credit Counseling Service Of Jackson, 208 Commerce St, 36545