Debt Relief

Debt Consolidation – Everett (WA)

Do you have at least $10,000 indebt from credit cards or other accounts? If so, we can find you debt consolidation agencies in Everett, WA, that will help you consolidate your credit card or payday loan debts.

With debt consolidation of any kind, you’ll only write a check for one monthly payment. Can’t wait to get out of debt? Locate a debt consolidation organization in Everett, WA. It’s easy!

Debt Consolidation in Everett WA

Pretty much every Washington resident has a credit card, and many of them don’t pay off their balance each month. Fortunately, there are solutions.

When it comes to debt consolidation, Everett consumers often decide to consolidate their debts within a debt management program.

Debt management plans, typically administrated by a credit counseling company, allow you to pay off everything you owe in 36-60 months through a single payment per month. The advantages are considerable: lower interest levels, installments, and penalty fees. As a rule your card issuer starts giving you these perks once you demonstrate a history of timely repayments. If you are looking for a credit card consolidation agency in Everett, WA, this is one of the most affordable options:

  • Sign up: no more than $70
  • Fee Every Month: $30-40

Everett WA Debt Consolidation

Debt Consolidation Programs Everett WA

When you’ve got a favorable credit record, you might be able to secure a debt consolidation loan to repay your credit balances.

The wide array of checks you were writing to different credit card companies will be replaced by just one monthly installment – your Everett debt consolidation loan payment.

If you want to take full advantage of a debt consolidation loan, you will need to get competitive interest rates, which means you need a good credit score.

Is a debt consolidation loan best for you?

Everett Debt Management vs Consolidation Loans

Question Debt Management Consolidation Loan
Single Payment Amount? Yes Yes
Good Credit Required? No Yes
Decreased Interest Levels? Yes Yes
Detrimental to Credit Report? No No
Collectors Cease Contacting You? Often Yes
Will Need Collateral? No Yes
Risk of Foreclosure? No Yes
Time Required? 3-6 Years 10-15 Years

To find out which alternative is right for you, we recommend you call a trained debt specialist.

Debt Consolidation vs Settlement in Everett, WA

Many consumers mistake debt consolidation with debt settlement. Debt settlement leads to a considerable elimination of part of what you owe.

Take a look at the list below to decide whether debt settlement or consolidation meets your requirements.

Questions Debt Consolidation Debt Settlement
One Payment Per Month? Yes Yes
Zero Cost Budget Counseling Offered? Yes Yes
Results in Debt Reduction? No Yes
Rates Of Interest Decreased? Yes No
Helps with Delinquent Loans? No Yes
Detrimental Influence on Credit Report? No Yes
Collectors Must Cease Phoning You? No No
Valuable Asset Required? No No
Appropriate for Medical Bills? Yes Yes
Works with Communal Property Debt? No No
Works for Cash Advance Loans? Yes Yes
Suitable for Business Debt? Yes Yes
Can Lenders Sue You? Yes Yes
Better Than Bankruptcy? Yes Yes
Lump Payments Necessary? No Yes
Savings Taxable? No Yes

To determine which strategy is right for you, we suggest you speak to a debt professional – for free!

Payday Loan Consolidation: Everett (WA)

Payday loans have become a big issue for people in Everett.

Locals 1 Payday Loans 2 Payday Loans Past Due
156,691 8,148 6,192 3,585

Thankfully, we work with a payday loan consolidation company in Everett, WA,. Eager to consolidate your Everett payday loans?

>> Connect with a Payday Loan Consolidation Service in Everett, WA

Analyzing Debt: Everett, WA

In a perfect world, around 30% of the amount you make per month ends up being allocated toward paying off debt. This incorporates credit cards, auto/payday loans, and rent/mortgage payments. Here’s what this means for a typical resident of Everett, WA:

  • Annual Income: $29,373
  • Per-Month Income: $2,448
  • Ideal Debt Load: $881
  • Serious Debt Load: $1,224

Is your debt load higher than 50%? If so, you really should contact a debt consolidation consultant in Everett, WA.

  • Clearpoint Financial Solutions, 2731 Wetmore Ave, #200, 98201
  • Credit Solutions NW, 12414 Highway 99, #105, 98204
  • Advance America Cash Advance, 10121 Evergreen Way, 98204

Debt Collection Agencies: Everett, WA

Irrespective of FDCPA policies, many collectors use sketchy tactics. Often, collector calls will be decreased after you sign up for a Washington debt consolidation plan.

  • AMO Recoveries, 3120 McDougall Ave, 98201-4433
  • Everett Association of Credit Men, Inc., 3416 Everett Ave, 98201-3815
  • Ideal Credit Corporation, 8015 Broadway, 98203-6873
  • RentCollect Corp., 1000 SE Everett Mall Way Ste 401, 98208
  • Sentry Credit, Inc., 2809 Grand Ave, 98201