We can easily put you in touch with a credit counseling consultant based on:
- Your Town
- What You Owe
You could be on the road to financial freedom in less time than you thought possible – it’s easy!
For the most part, consumers who could benefit from credit counseling have these traits:
- Owe at Least $3,5000
- Steady Income
When it comes to credit counseling, you will pay back everything you owe to your lenders, plus interest. This is more beneficial for your credit ratings over time than debt settlement.
Debt Counseling in Clifton Heights (PA)
On average, the income in Clifton Heights is $43,524 a year, or $3,627 a month. You need to contact a credit counselor if you make $3,627 and find you are shelling out $1,560 to $1,814 per month on debts that are secured or unsecured, for example rent, mortgage, loans, and credit cards.
An integral aspect of credit counseling is managing debt. If you enroll in a debt management plan, your Clifton Heights PA credit counselor may able to cut a deal for less expensive rates and penalties from the firms you owe.
Your credit counseling service will manage payment to your creditors every month. All you need to do is give them the agreed payment amount.
Steering Clear of Credit Counseling Ripoffs in Clifton Heights (PA)
Provided that you are dealing with an experienced organization, credit counseling can certainly help. In point of fact, the Federal Trade Commission now mandates it for individuals declaring bankruptcy in Pennsylvania and nationwide, but stay clear of any credit counselors that advertise they will:
- Halt all calls from collectors
- Remove unfavorable things from your credit score
- Negotiate secured debt, like car loans
- Get you out of debt by means of a new federal program
- Charge a fee ahead of time for their assistance
Don’t forget, being a non-profit doesn’t always mean that a credit counseling program is bonafide, and the opposite is true as well.
How Much Will Credit Counseling Help Save?
Although credit counseling does not decrease your debt, you will save a lot of money by virtue of decreased interest and reduced penalties.
Credit counseling will save you time and expense. Discover more today.
Credit Counseling and Bankruptcy: Clifton Heights, PA
Bankruptcy has become rampant in Pennsylvania. There are 23,351 consumers living in Clifton Heights, PA, and we estimate that 61 have declared bankruptcy.
As of 2005, anyone in Clifton Heights who would like to file for bankruptcy has to first receive an official document showing that they participated in a bankruptcy credit counseling course in Clifton Heights, PA. You do not have to work with a local Clifton Heights credit counseling service for this. Programs are available online and on the telephone.
Keep in mind that consumer credit counseling post-bankruptcy will be a requirement.
Consumer Credit Counseling Services: Clifton Heights, PA
The National Credit Counseling Foundation (NCFF) is the largest network of non profit credit counseling firms in Pennsylvania, and their members are typically labeled CCCS, or Consumer Credit Counseling Service. In Clifton Heights, Pennsylvania, a Consumer Credit Counseling Service will generally be a community not for profit which carries the NFCC seal. Typically a CCCS organization will make available not just consumer credit counseling, but also:
- Bankruptcy Counseling for Clifton Heights Residents
- Housing Assistance
- Money Management Classes
Don’t forget that not for profit credit counseling in Clifton Heights, PA, doesn’t mean free of charge. Expect to fork out about at the most $50 a month.
To find the nearest CCCS office in Clifton Heights, PA, take a look at the listing of services we offer or check out the National Foundation for Credit Counseling site.
Debt Management and Credit Counseling: Clifton Heights, PA
- Pennsylvania credit counseling company? Email us for a free listing!