Credit Counseling: Chester (PA)

PA Debt Relief

Have you been having trouble paying your monthly bills? If so, we can help. At Debt Relief of Pennsylvania, we help our consumers discover the debt relief and credit counseling options in Chester, PA that fit their needs.

>> Discover How Much You Could Save!

Credit counseling for Chester consumers has many benefits:

  • Reduced Rates Of Interest
  • 36-60 Months to Debt Freedom
  • Consolidated Payments

>> Get a Free Debt Estimate – Now!

Do I Need Debt Counseling in Chester, PA?

Credit Counseling Chester PA

Anyone reviewing a credit application wants to know how much you make, how much you owe? This is the root of everything. The calculations are basic. Why don’t we consider some data consistent with a salary of $2,714 each month. For Chester residents, this is an average income.

  • $977 (36%): Perfect
  • $977 to $1,167 (36-43%): Okay
  • $1,167 to $1,357 (43-50%): Too High
  • $1,357 or more (50%): Serious

Credit Card Counseling Programs: Chester, PA

Debt Counseling Chester PA

If you are in a lot of debt, your credit counseling specialist could very well advise you to sign up for a debt management plan or DMP. A debt management program is a method of debt consolidation, given that your credit card, loan, and other debt payments is merged into one monthly payment. However, no loan is needed.

All you’ve got to do is deliver just a single check to your Chester credit counseling service. They send out the proper sums to each of your creditors.

Tips on Avoiding Credit Counseling Shams in Chester (PA)

Credit Counseling Chester PA

As a whole, credit counseling and debt management plans have been recognized by the Federal Trade Commission and other governmental authorities, but here is how to make certain that your Chester credit counseling company is reputable:

  • Inquire about references
  • Check their accreditation status
  • Double check that your specialist is qualified

For additional information, check out this FTC post on the subject.

>> Free No Obligation Debt Assessment

Don’t forget that credit counseling is a strategy for managing debt, not fighting it, but your creditors may agree to waive penalty fees and decrease rates as part of a DMP. Let a highly trained credit professional take a look at your finances and supply you with a quote for how much you could save.

Pricing Credit Counseling: Chester, PA

Although not without cost, managing debt is a very affordable option for a lot of Chester residents. There is typically an enrollment fee of no more than $75, along with a bill every month of $40 or less.

How much will your monthly payments be? Generally 2.5% of the amount you owe.

Bankruptcy and Credit Counseling in Chester (PA)

Bankruptcy Counseling Chester PA

There are 80,186 people living in Chester, PA, and roughly 209 have gone into bankruptcy. Credit counseling is required by law before filing for bankruptcy.

Programs can be held:

  • In Person
  • On The Phone
  • Web-Based

Don’t forget that a credit counseling program post-bankruptcy is also a requirement. To find approved Pennsylvania credit counseling programs, click this link. Or alternatively, you can talk to a skilled debt professional by filling out this form.

Debt Management and Credit Counseling Agencies: Chester (PA)

  • A American Credit and Debt Counseling Service, 23 E 5th St, 19013