Have collection agencies been pestering you for payment? If that’s the case, we can find you debt consolidation companies in Gettysburg, PA, that assist you in consolidating your credit card and/or payday loan debts. With debt consolidation of any kind, you’ll only need to make one payment amount. Let’s place you with a reputable Gettysburg, PA debt consolidation consultant.
There are approximately 2,147 people in Gettysburg who could benefit from debt consolidation, and most of them would be best served by a debt management plan.
A DMP provides quite a few advantages:
- Single Payment
- Less Expensive Rates
- Forgiven Late Charges
Additionally, DMP’s are one of the cheapest strategies for consolidating debt in Gettysburg, PA, just $25-40 each and every month.
Gettysburg, PA Debt Consolidation Loans
The logic behind any Gettysburg debt consolidation loan is straightforward: loans from a conventional bank usually carry more affordable annual percentage rates than credit cards. Typically, a debt consolidation loan will mean lower monthly payments and a fewer number of calls from collections companies. Just think, your credit card debts will be paid back. Of course, plenty of consultants would agree that credit counseling in Gettysburg, PA would be a better option. Consult a debt consolidation professional in Gettysburg, PA, to determine which debt consolidation option will be right for you.
Payday Loans Consolidation in Gettysburg, PA
Many Gettysburg consumers owe payday loans to more than one creditors. There are 25,620 people in Gettysburg, and we estimate that 1,332 end up with one or more cash advance annually. Sadly, nearly 586 of these men and women are not able to pay back these payday advances. This is nearly half!
On the plus side, there are a payday loan consolidation company in Gettysburg, PA, who can:
- Combine several payday cash loans.
- Decrease ridiculous payday advance rates of interest.
- Set up a budget for getting out of payday debt.
- Take debt collector telephone calls.
Are you ready to break free from payday debt?
In an ideal world, your monthly debts will take up only a third of your income. These debts include credit card bills, auto/payday loans, and rent or home loan repayments. Let’s suppose you earn $3,284 per month, which is about average average for Gettysburg residents, then, if possible, you would spend less than $1,182 per month. Having said that, many Gettysburg residents have substantial debt, with a debt to income ratio (DTI) of more than 50%. That means they are having to spend more than $1,642 per month!
Is your debt load in excess of 50%? If so, you need to seek the advice of a debt consolidation consultant in your area.
Debt Consolidation Fraud: Gettysburg, PA
Staying away from debt consolidation swindles isn’t difficult, as long as you know how to identify a rip-off. Stay clear of any companies that charge signup service fees, do not divulge key information or savings required for consolidation to begin, or expect you to open a savings account at a non-FDIC-insured establishment.
Steer clear of any debt consolidation companys in Gettysburg, PA, that have a record of dishonest conduct.
Debt Consolidation Agencies in Gettysburg (PA)
- Imblum, Gary – Kodak & Imblum, 60 E Middle St, 17325