Credit Counseling: Willow Grove (PA)

PA Debt Relief

Credit Counseling Willow Grove PAHave the debts been stacking up? Well then working with a qualified credit counselor in Willow Grove might be the answer. We help our users determine the Willow Grove PA credit counseling and debt management options that meet their needs.

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Excellent candidates for credit counseling have these characteristics:

  • Debts of at Least $2,5000
  • Ability to Allocate $250-$300 Toward Monthly Payments
  • Real Dedication to Get out of Debt

When it comes to credit counseling, you will pay back everything you owe to your credit card companies, plus interest. This is much better for your fico score in the long run.

There are 19,398 people who live in Willow Grove, PA, and it’s believed that 715 can no longer afford to make their credit card payments on a monthly basis.

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How much you earn, how much you owe? This is the most crucial factor. There are criteria that will reveal what sort of financial predicament you’re in.

Salary DTI Debt Level
$4,254 Less than 36% $1,531 or less Optimal
$4,254 36%-43% $1,531-$1,829 OK
$4,254 43%-50% $1,829-$2,127 Too High
$4,254 50% Plus $2,170 or More SEVERE!

Credit Counseling Plans: Willow Grove, PA

If you are in substantial debt, your credit counselor may want you to take part in a debt management program or DMP. As part of a debt management plan, your Willow Grove PA credit counselor may able to secure more affordable APR’s and fees and penalties from your credit card companies.

If you enroll in a debt management program in Willow Grove, your credit counseling agency will carry out paying your creditors every month. Pretty much all you’ll have to do is provide them with one single payment per month.

Selecting a Credit Counseling Service in Willow Grove (PA)

As an industry, credit counseling and debt management plans have been checked out by the Federal Trade Commission (FTC) and other governmental authorities, but stay clear of any credit counselors in Willow Grove that say they’re able to:

  • Put an end to all calls from collection agencies
  • Get you out of debt via some government program
  • Ensure the removing of credit card debt
  • Prevent creditors from suing you
  • Charge you upfront for their solutions

Keep in mind, being a non profit does not always mean that a credit counseling service is legitimate, and for profit does not necessarily mean they are dishonest. If you call us today for a free assessment, you can be more certain that you’ll be talking to one of the better debt management services your area.

Credit Counseling Willow Grove PA

Credit counseling helps people to cut costs due to the fact that the credit card companies who participate drop payments, APR’s, and late fees. To see exactly how much a DMP could save you, speak with an experienced Willow Grove credit counselor – right now!

Willow Grove PA Credit Counseling

Though not free, managing debt is a low cost solution for many Willow Grove residents. Enrollment typically costs less than $75, and a bill every month of $25-$30.

In terms of the actual debt payments, you will normally be asked to pay 2.1 to 2.5% each and every month, which will then be sent to your various credit card companies. Below is a top level view of how much this is, based on different levels of unsecured debt.

  • $15,000 Debt: $315 to $375
  • $20,000 Debt: $420 to $500
  • $25,000 Debt: $525 to $625
  • $50,000 Debt: $1050 to $1250
  • $65,000 Debt: $1365 to $1625
  • $70,000 Debt: $1470 to $1750
  • $80,000 Debt: $1680 to $2000
  • $100,000 Debt: $2100 to $2500

Consumer Credit Counseling Services in Willow Grove (PA)

Nationwide, the chief non profit credit counseling service is the NFCC. Their network is referred to as Consumer Credit Counseling Service, or CCCS. A Consumer Credit Counseling Service in Willow Grove, PA, will generally be:

  • Not For Profit
  • Affiliated with the National Foundation for Credit Counseling (NFCC)
  • Certified by the HUD (Department of Housing and Urban Development)
  • Member of the BBB

Quite often a CCCS firm will supply Willow Grove bankruptcy counseling, money management courses, and housing assistance. Expect to fork out approximately no more than $40 on a monthly basis.

To locate the closest CCCS agency in Willow Grove, PA, please reference the list of services we’ve provided. On the other hand, you can visit www.debtadvice.org.

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Credit and Debt Counseling Agencies: Willow Grove, PA

  • Credit Report Advocates, 1120 Easton Rd, 19090