Credit Counseling: Easton (PA)

PA Debt Relief

Credit Counseling Easton PA If you feel like your life has gone astray financially, you are not alone. Here at Debt Relief Pennsylvania, we enable our customers to receive a no cost, customized debt assessment from an expert in their area.

Credit Counseling Easton PA

Easton credit counseling pros help people in debt create a good strategy for repaying debt and raising credit scores.

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Your ratio of debt to income helps to evaluate whether or not your finances warrant credit counseling.

Income DTI Debt Severity?
$2,622 36% $944 Fantastic
$2,622 43% $1,127 Slight Concern
$2,622 50% $1,311 Assistance Needed!

Debt Counseling Plans: Easton (PA)

Do you have more than $10K of debt or have monthly payments related to rent, loans, or credit cards that use up more than one half of what you make each month? You might need to enter into a DMP, or debt management plan. A debt management plan is a method of debt consolidation, in that your credit card, loan, and other debt payments is combined into just one payment. However, no loan is needed.

Under any debt management program in Easton, your credit counseling company will control paying the credit card companies every month. The only thing you need to do is provide them with the prearranged payment per month.

Easton Credit Counseling versus Other Available Choices

Credit Card Counseling Easton PA

Normally, consumer credit counseling services try and have your debts paid in full in under 60 months. During that time, your credit ranking typically doesn’t get lower, but it may be challenging to get approved for new personal lines of credit. However, if you were to choose a debt settlement program, you would have to expect your credit scores to be severely impacted. Though a Easton, PA debt consolidation loan may stop your credit rating from plunging, this approach is hazardous because being past due on your payments could allow your lending company to come after whatever you used to back the loan, often your house.

Selecting a Credit Counseling Service: Easton (PA)

Credit Counseling Easton PA

By and large, credit counseling and debt management plans have been vetted by the FTC and other governmental authorities, but you should make sure that any credit counselor you work with in Easton, PA, is credible. This can be done in many different ways, like reviewing their customer reviews, examining their certification status, and examining their Better Business Bureau page.

Just remember, non profit status does not guarantee that a credit counseling agency is legitimate, and vice versa. If you get in touch for a totally free analysis, you can be more certain that you will end up dealing with one of the better debt management companies your area.

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How Much Could Credit Card Counseling Help You Save?

Credit Counseling Easton PA

Some people incorrectly think that credit counseling is worthless given that it can’t decrease the debt you owe, but they don’t understand that a DMP should lower your rates of interest, which can be a solid way to cut costs.

Curious to find out how much credit counseling in Easton, PA, will save you?

Consumer Credit Counseling Services in Easton (PA)

The nation’s biggest non profit credit counseling group is the NFCC. Their network is identified as Consumer Credit Counseling Service, or CCCS. A Consumer Credit Counseling Service in Easton, PA, will normally be:

  • A Non Profit
  • Part of the NFCC (National Foundation for Credit Counseling)
  • Qualified by the HUD (Department of Housing and Urban Development)
  • Accredited by The COA (Council on Accreditation)
  • BBB Member

Typically a CCCS organization will make available more than mere credit counseling. They’ll provide:

  • Bankruptcy Credit Counseling for Easton Residents
  • Home Counseling
  • Debt Management

Don’t be surprised to spend approximately $35 monthly.

To locate the nearest CCCS office in Easton, PA, reference the list of Easton credit counseling agencies we’ve published or check the NCFF website: http://www.nfcc.org/FirstStep/firststep_01.cfm

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Debt and Credit Counseling: Easton, PA

  • P & N Holding, , 18018
  • CCCS (A Division of MMI), 306 Spring Garden St, 18042