Credit Counseling: Camp Hill (PA)

PA Debt Relief

One of the most intense stressors for Camp Hill residents is debt.

Let us put you in contact with a credit specialist who can:

  • Review Your Monthly Budget.
  • Provide a Savings Estimate.
  • Recommend the Best Strategy.

For residents of Camp Hill, credit counseling is usually the most cost-effective means of getting out of debt. We estimate that 1,259 of Camp Hill’s 34,142 residents are past due on their credit card payments.

>> Get a No Cost Debt Estimate!

Time to Schedule a Consultation in Camp Hill, PA

Credit Counseling Camp Hill PA

How much you make, how much you owe. This is the most important factor. There are benchmarks that will let you know where you’re at money wise.

Salary DTI Debt Seriousness
$1,049 Less than 36% $378 or less Best
$1,049 37%-42% $388-$441 Okay
$1,049 43%-50% $451-$525 Problematic
$1,049 50% Plus $525 or More Assistance Needed!

Managing Debt in Camp Hill (PA)

If you are in major debt, your credit counseling professional could very well advise you to take part in a debt management program or DMP. A debt management program is a form of debt consolidation, as your credit card, loan, and other debt payments will be condensed into one monthly amount, but there’s no loan necessary.

You’ll send just a single check to your Camp Hill credit counseling firm, and they’ll allot the money among your creditors.

Avoiding Credit Counseling Ripoffs: Camp Hill, PA

As a program, credit counseling and debt management plans have been vetted by the FTC and other federal authorities, but keep away from any credit counseling firms in Camp Hill that claim they’re able to:

  • Put an end to all debt collector calls
  • Delete damaging things from your credit report
  • Promise the removal of unsecured debts
  • Prevent credit card companies from taking legal action against you
  • Charge a fee in advance for their assistance

Just remember that nonprofit status isn’t going to necessarily mean that a credit counseling service is bonafide, and vice versa. Keep in mind, at Debt Relief of Pennsylvania, we assist you in finding the appropriate counseling or debt management solution based on your distinct situation.

How Much Will Credit Counseling Help Save?

Credit counseling should reduce how much you’re shelling out, but the exact amount depends on your finances and creditors One of the leading Camp Hill debt experts can check out your finances and inform you of how much you could save.

Non-Profit Credit Counseling Service in Camp Hill (PA)

CCCS, also called Consumer Credit Counseling Service, may provide reasonably priced credit counseling for local consumers. A Consumer Credit Counseling Service in Camp Hill, PA, will usually be:

  • A Not For Profit
  • NFCC Member
  • Certified by the Department of Housing and Urban Development (HUD)
  • Member of the BBB

Typically a CCCS organization will provide Camp Hill bankruptcy counseling, money management training, and housing help. Plan to fork out about no more than $50 on a monthly basis. To find the CCCS location that’s closest to Camp Hill, PA, have a look at the listing of Camp Hill credit counseling firms on our site. Alternatively, you can head over to www.debtadvice.org.

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Credit and Debt Counseling Agencies: Camp Hill (PA)

  • Equity Search – We Solve IRS Problems, 214 Senate Ave, 17011
  • Lauer Jr, Patrick F – Patrick F Lauer Jr LLC, 2108 Market St, 17011