Debt Relief

Debt Consolidation – Battle Ground (WA)

We connect consumers with Battle Ground debt consolidation advisors who enable them to:

  • Reduce their payment amounts
  • Minimize or lock up their interest
  • Lower debt collection calls

To get started, please complete our simple web form. Washington Debt Consolidation can connect you to a debt consolidation consultant based on what you owe, your location, and various other factors.

>> Request Your Free Debt Review – Right Now!

Debt Management in Battle Ground, WA

Credit cards can be a fast track to debt. Luckily, there are solutions available. Battle Ground residents usually decide to consolidate their debts within a debt management program.

These plans, usually associated with a credit counseling agency, enable you to pay back everything you owe over time through one easy payment amount, as well as cheaper rates of interest, payments, and penalty fees. Ordinarily your credit card companies start presenting these benefits after three consecutive installments are submitted.

In addition, these types of programs are generally rather cost-effective, just $25-35 each and every month.

Battle Ground WA Debt Consolidation

Debt Consolidation Agencies Battle Ground WA

If you get a debt consolidation loan in Battle Ground, WA, the the borrowed amount is used to repay your existing debts. You will still have to pay back the borrowed funds, of course, but the rate of interest may be better. The advantages of debt consolidation loans in Battle Ground, WA, reflect those of debt management programs, which include combined monthly payments, no more calls from debt collectors, and decreased annual percentage rates. Not surprisingly, you will need extremely good credit to get a loan such as this. Also, it will not allow you to pay off your debt any faster. In fact, it may take longer. Speak to a debt consolidation professional in Battle Ground, WA, to learn which option will be best for you.

Question Debt Management Debt Consolidation Loan
One Payment Amount? Yes Yes
Good Credit Required? No Yes
Leads to Debt Reduction? No No
Reduced APR? Yes Yes
Damaging to Credit Ratings? No No
Debt Collectors Stop Phoning You? Maybe Yes
Must Have Collateral? No Yes
Could Lose Home? No Yes
How Much Time? 3-6 Years 10-15 Years
Preferable to Bankruptcy? Yes Yes

To figure out which option is right for you, you need to request a debt evaluation – at zero cost!

Debt Consolidation vs Debt Settlement: Battle Ground, WA

Debt settlement and consolidation are different strategies for getting free from debt. Debt settlement is an intense series of negotiations that leads to a percentage of your debt essentially being forgiven.

Take a look at the chart below to decide which method suits you best.

Question Debt Consolidation Debt Settlement
One Payment Amount? Yes Yes
Credit Balances Reduced? No Yes
Decreased Interest Levels? Yes No
Detrimental to Credit Report? No Yes
Debt Collectors Required to Quit Contacting You? No No
Valuable Asset Required? No No
Suitable for Independent College Loans? Yes No
Suitable for Medical Bills? Yes Yes
Works with Community Property Debt? No No
Works for Cash Advances? Yes Yes
Works for Business-Related Debt? Yes Yes
Can Companies Sue You? Yes Yes
Preferable to Bankruptcy? Yes Yes
Undesirable Tax Consequences? No Yes

To decide which solution is right for you, it is advisable to request a debt evaluation – for free!

Payday Loans Consolidation: Battle Ground, WA

The outrageous rates of interest imposed on payday loans in Battle Ground, WA, mean that payday debt climbs at a surprising rate. The figures are astonishing:

  • 1,278 people in Battle Ground get one or more payday loans on a yearly basis.
  • 971 [city residents] obtain at least two payday loans annually.
  • 562 of these people are late on their payday loan.

Have you found yourself late on at least two payday loan? That’s alright, we work with Battle Ground WA payday loan consolidation companies.

Do you need to learn more? Visit cash advance laws in WA.

Debt Evaluation: Battle Ground, WA

Debt Consolidation Programs Battle Ground WA

In a perfect world, your monthly debt payments should make up no more than 33% of what you make. These debts incorporate credit card bills, loans, and rent/home loan payments. Consider how this works for a typical consumer in Battle Ground, WA:

  • Yearly Income: $56,055
  • Income Each Month: $4,671
  • Recommended Debt Load: $1,682
  • Severe Debt Load: $2,336

If your monthly debt cost is greater than 50%, it is time to speak to a debt consolidation expert near you.

Consolidation Firms in Battle Ground, WA

  • Nucretia, Po Box 821273, 98604

Debt Collectors in Battle Ground, WA

In spite of FDCPA restrictions, countless debt collectors engage in sketchy tactics. More often than not, letters and calls will be reduced after you register for a Washington debt consolidation program.

  • None Listed.