Debt got you sleepless? In this case, you might want to find a credit counseling service in Bethel Park, PA. At Debt Relief PA, we help our clients discover the Bethel Park PA credit counseling and debt relief options that fit them best.
Nowadays, many credit counseling companies in Bethel Park are non-profits who are compensated at least in part via fee income, also known as Fair Share. As a result, many credit counseling services are easy on the budget.
Your ratio of debt to income, aka DTI, helps to evaluate if your state of affairs warrants credit counseling.
|$4,539||Less than 36%||$1,634 or less||Great|
|$4,539||50% Plus||$2,270 or More||Contact a Professional!|
Bethel Park, PA Debt Management Programs
An integral component of credit counseling is managing debt. As part of a debt management plan, your Bethel Park PA credit counselor may able to get more affordable interest rates and costs from your creditors.
The only thing you need to do is write one single monthly check to your Bethel Park credit counselor, and they will submit the appropriate portions to each of your creditors.
Don’t forget that credit counselors can help you pay off your debts faster and at a cheaper rate, but you’ll still be paying off your entire debts, which includes interest. Sure, a debt settlement would lessen your total debts, it can destroy your credit scores.
Tips on Avoiding Credit Counseling Scams: Bethel Park (PA)
By and large, credit counseling and debt management plans have been recognized by the FTC and other governmental authorities. But trusted credit counseling services will typically furnish you with:
- 45-60 Minutes of Upfront Advisement
- No Charges Upfront
- A Personalized Action Plan
- Proof of Certification
Just remember that being a non profit does not necessarily mean that a credit counseling program is honest.
The amount that credit counseling can save you depends on your particular situation financially. Fortunately, it can often result in cheaper monthly bills by way of more affordable interest and penalty fees.
Want to discover how much credit counseling in Bethel Park, PA, could save you?
Credit Counseling Costs in Bethel Park, PA
How much will a debt management program cost? Usually $25-30 each month, along with a setup fee of less than $90.
The majority of plans will require that you pay off 2.5 percent of what you owe per month. Here is a summary of how much we’re talking about, given differing degrees of unsecured debt.
- $10,000 Debt: $210 to $250
- $15,000 Debt: $315 to $375
- $40,000 Debt: $840 to $1000
- $45,000 Debt: $945 to $1125
- $55,000 Debt: $1155 to $1375
- $70,000 Debt: $1470 to $1750
- $90,000 Debt: $1890 to $2250
Credit Counseling and Bankruptcy: Bethel Park, PA
There are 30,825 people living in Bethel Park, PA, and we estimate that 80 have had to turn to bankruptcy.
Credit counseling is a legal requirement prior to declaring bankruptcy.
The session can take place in person, over the phone, or on the web, so long as you receive the right certificate
The session generally lasts less than two hours costs up to $50, but the charge must be waived if you can’t afford it. For an approved list of approved pre-bankruptcy credit counseling services for Bethel Park residents, follow this link, and you can converse with an experienced credit expert by submitting this form.
Debt and Credit Counseling: Bethel Park (PA)
- Pennsylvania credit counseling company? Email us for a free listing!