Credit Counseling: Beaver Falls (PA)

PA Debt Relief

Can’t afford the minimum payment on your credit lines each and every month? If that’s the case, you need to enlist the services of a credit counselor in Beaver Falls, PA. Here at Debt Relief of Pennsylvania, we help our visitors find the best solutions to adverse credit, severe debt, and elevated rates.

>> Find Credit Counseling Solutions in Beaver Falls Today!

Credit counseling has many positives:

  • Lower Rates
  • Faster Relief From Debt
  • Only One Monthly Installment

>> Get a No Obligation Credit Counseling Estimate!

Your debt to income ratio, also referred to as DTI, helps to evaluate whether you need credit counseling.

Salary DTI Debt Seriousness
$3,103 Less than 36% $1,117 or less Optimal
$3,103 36%-43% $1,117-$1,334 Decent
$3,103 43%-50% $1,334-$1,552 Problematic
$3,103 50% Plus $1,583 or More Assistance Needed!

Debt Counseling Plans: Beaver Falls, PA

Debt Counseling Beaver Falls PA

Debt management programs, otherwise known as DMPs, are practically interchangeable with credit counseling. Why enroll in a DMP? Well, you may enjoy:

  • Discounted Rates
  • Reduced Debt Collector Calls
  • One Payment On a Monthly Basis
  • Faster Way out of Debt

Your credit counselor will deal with your creditors personally.

Avoiding Credit Counseling Shams in Beaver Falls, PA

Credit Counseling Beaver Falls PA

Overall, credit counseling has been vetted by the FTC and other government regulators. All the same, here’s how to make certain that your Beaver Falls credit counseling specialist is good:

  • Inquire about testimonials
  • View their BBB status
  • Check that your consultant is qualified

For details, read this FTC post on the topic. If you contact us for a cost-free assessment, you can be more confident that you are talking to one of the best credit counseling agencies your area.

>> Find Beaver Falls Credit Counseling Programs Now

Needless to say, unsecured debt is really tricky simply because the exorbitant rates of interest make sure your debt will keep rising. Any good credit counselor in Beaver Falls should be able to get at least some of your credit card companies to lower your APR’s and additional fees, helping you save a ton of money over time.

Let a highly trained credit expert take a look at your finances and present you with a savings estimate.

Beaver Falls PA Credit Counseling

Credit Counseling Pricing: Beaver Falls, PA

Credit Counseling Beaver Falls PA

How much does a DMP cost you? Typically $25-30 per month, along with an initial fee of less than $100. If you can pay back $2.50 of every $100 you owe on a monthly basis, you could get out of debt in around 3.5 years, if your credit counseling agency can freeze your APR. If he can’t, it will require a good bit more time.

Let’s look at an outline of how much you might have to pay, based on differing stages of debt.

Debt 2.1% 2.5%
$10,000 $210 $250
$35,000 $735 $875
$45,000 $945 $1125
$55,000 $1155 $1375
$65,000 $1365 $1625
$70,000 $1470 $1750
$75,000 $1575 $1875
$85,000 $1785 $2125
$90,000 $1890 $2250
$95,000 $1995 $2375
$100,000 $2100 $2500

Credit and Debt Counseling Agencies in Beaver Falls, PA

  • Pennsylvania credit counseling company? Email us for a free listing!