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