At Washington Debt Consolidation, we connect residents of Gig Harbor, WA, with debt consolidation pros who help them:
- Reduce their monthly payments
- Bring down or freeze their APR rates
- Decrease debt collector calls
For a free debt assessment, simply call us or fill out our contact form. We can connect you to a debt consolidation company in Gig Harbor, WA, according to how much debt you’re carrying, where you live, and various other variables.
>> Get Your Debt Consultation – Right Now!
Credit Card Consolidation: Gig Harbor (WA)
Too often, credit cards are as risky as they are convenient. Thankfully, there are options.
The leading form of debt consolidation in Gig Harbor, WA, means the management of debt through a debt management plan. This type of debt consolidation provides numerous benefits:
- Single Payment Per Month
- Reduced Interest Rates
- Reduced Penalties
If you are searching for a credit card consolidation agency in Gig Harbor, WA, this is among the most affordable ways to go.
Debt Consolidation Loans: Gig Harbor (WA)
There are two main types of debt consolidation loans: unsecured personal loans and home equity loans, of which the second is most popular.
If you get a debt consolidation loan in Gig Harbor, WA, you should enjoy reduced monthly payments and fewer calls from debt collectors. Since of course, your past debts will be paid in full.
Of course, plenty of experts say that credit counseling is a more sensible alternative.
Get in touch with a debt consolidation specialist to learn which debt consolidation option is ideal for you.
Debt Settlement vs Consolidation in Gig Harbor, WA
Debt consolidation and settlement are different ways of getting rid of debt. Debt settlement is an intense negotiation that results in a percentage of your debt basically being forgiven.
We’ve provided a chart to help you determine which strategy is correct for you.
| Question | Debt Consolidation | Debt Settlement |
|---|---|---|
| Single Monthly Payment? | Yes | Yes |
| Zero Cost Financial Counseling Offered? | Yes | Yes |
| Overall Debt Reduced? | No | Yes |
| APR’s Decreased? | Yes | No |
| Bad for Credit Ratings? | No | Yes |
| Debt Collectors Required to Cease Phoning You? | No | No |
| Must Have a Valuable Asset? | No | No |
| Suited to Private College Loans? | Yes | No |
| Works for Medical Bills? | Yes | Yes |
| Suited to Communal Property Debt? | No | No |
| Works with Cash Advances? | Yes | Yes |
| Suited to Small Business Debts? | Yes | Yes |
| Suited to Small Debts? | Yes | Yes |
| Can Lenders Sue You? | Yes | Yes |
| Preferable to Bankruptcy? | Yes | Yes |
| Lump Sum Payments Mandatory? | No | Yes |
| Negative Tax Consequences? | No | Yes |
To determine which option would meet your needs, you need to call a specialist.
Gig Harbor, WA Debt Loads
Here is the ideal debt load for an average Gig Harbor resident:
| Annual Income | Income Per Month | Optimal Debt Load | Problematic Debt Load |
|---|---|---|---|
| $57,897 | $4,825 | $1,737 | $2,413 |
Do you have at least $10K in debt? Then you really should talk with a debt consolidation expert in Gig Harbor, WA.
Settling on a Debt Consolidation Agency in Gig Harbor, WA
The FTC has dedicated policies that govern how debt consolidation services conduct business.
According to the FTC, your Gig Harbor debt consolidation service has to give you an in-depth review of:
- All prices and fees.
- How long their program takes.
- The amount that you have to save before they’ll contact your creditors.
- How your credit rankings will be impacted.
Picking a service from the phonebook is too risky. It’s best to speak to family or friends who have knowledge of a certain firm. On the other hand, you can let us find you a debt consolidation company in Gig Harbor through our easy contact form.
- Gig Harbor Processing, 4410 158th St NW, 98332
- MJL Consulting, 14998 30th Ave NW, 98332
Debt Collectors: Gig Harbor, WA
- AllianceOne Receivables Management, Inc., 6565 Kimball Dr., Suite 200, 98335-1200
