Debt Relief

Debt Consolidation – Kirkland (WA)

We connect consumers with Kirkland debt consolidation experts whose goal is to:

  • Consolidate their payments
  • Minimize or freeze their APR rates
  • Minimize debt collector calls

For your free debt consultation, all you have to do is fill out our simple web form. Washington Debt Consolidation can connect you to a debt consolidation agency given:

  • How Much Debt You Have.
  • Your Location (Kirkland).
  • Various Other Factors.

>> Get Your Free Debt Analysis!

The sheer number of shoppers with an abundance of different credit cards and a few different past due payments is shocking. We can help. In most cases, Kirkland residents opt to combine their credit card and/or payday loan debts within a debt management program. Debt management plans make it easier to pay your credit card issuers completely with just one payment amount. The advantages are considerable: reduced interest rates, payments, and extra charges. Usually your card company starts giving you these perks after three straight installments are received. What’s more, these kinds of programs are typically quite reasonably priced.

Debt Consolidation in Kirkland WA

Kirkland (WA) Debt Consolidation Loans

The funds from a debt consolidation loan are used to pay down your credit card balances.

If you get a debt consolidation loan in Kirkland, WA, you should benefit from more affordable monthly payments and fewer calls from collections companies. After all, your previous debts will have been repaid.

Unlike other Kirkland debt consolidation solutions, you won’t learn as much about budgeting as you would during a debt management plan, and your debt won’t be reduced as it would be during a debt settlement. If you would like commence on your path to being debt-free, you should speak with a company that provides debt consolidation in Kirkland, WA.

Debt Consolidation vs Settlement in Kirkland (WA)

Debt consolidation and settlement are different ways of getting rid of debt. Debt settlement results in a percentage of your debt actually being eliminated. However, settled debts are detrimental to your credit scores, and forgiven debts can be taxed. That is why debt settlement is normally considered to be a substitute to bankruptcy.

To decide which alternative suits you best, we recommend you request a debt review – free of charge!

Consolidating Payday Loans: Kirkland, WA

On account of the downturn, many Washington consumers have been taking out payday loans. Somewhere around 3,680 people in Kirkland get cash advance loans at least one time per annum, and roughly 2,797 of these borrowers wind up getting at least one more of these high-interest short-term loans – that’s upwards of 75%! Fortunately, we can put you in touch with Kirkland WA payday loan consolidation services who can assist you to:

  1. Consolidate two or more payday loans.
  2. Reduce extortionate payday loan rates of interest.
  3. Develop a budget for payment.
  4. Decrease debt collector phone calls.

So you want to find out more or discover ways to lodge a complaint against a payday firm? Hop on over to WA payday loan laws and regulations.

Do You Need Debt Consolidation?

To determine if debt consolidation is right for you, you need to understand the relation of debt to income.

The table below shows you the optimal debt load for an average resident of Kirkland, WA:

Annual Income Income Monthly Recommended Monthly Debt Severe Debt Load
$43,038 $3,587 $1,291 $1,794

Have you got at least $10,000 in credit debt? In that case, you really should get in touch with a debt consolidation specialist in Kirkland, WA.

Credit Card Consolidation Standards

Stay away from any Kirkland WA debt consolidation organizations if they charge you upfront, don’t give fundamental details or savings needed for consolidation to begin, or require you to open a savings account from which you can’t withdraw money without being charged.

Don’t register for a program that’s got a bad reputation.

Debt Consolidation Programs in Kirkland, WA

  • Consumer Credit Counseling, 4040 Lake Washington Blvd NE, 98033
  • Smith, Jonathan JD – Advantage Legal Group, 550 Kirkland Way, #208, 98033
  • A American Credit and Debt Counseling Service, 820 2nd Ave, 98033

Debt Collections Agencies in Kirkland (WA)

  • Financial Claims, Inc., 9757 NE Juanita Dr Ste 160, 98034-4291

Debt Consolidation in Kirkland WA