Debt Relief

Debt Consolidation – Port Angeles (WA)

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Port Angeles WA Debt Consolidation

In too many cases, credit cards are a total liability. On the plus side, there are options.

Of the 2,803 residents of Port Angeles who could use debt relief, the majority would benefit from a debt management plan above all else.

This sort of debt consolidation offers many advantages:

  • Lower Payment
  • Lowered Interest Levels
  • Fewer Penalty Fees

On top of that, this is one of the most economical methods of consolidating debt in Port Angeles, WA.

Debt Consolidation Port Angeles WA

Debt Consolidation Loans: Port Angeles, WA

There are two principal sorts of debt consolidation loans: unsecured bank loans and loans collateralized by your home. The second option is most prevalent.

The multitude of payments you were delivering to various card issuers will be superceded by one payment per month, your loan’s payment. However, a wide range of advisors would agree that credit counseling is a better solution. Is a debt consolidation loan best for you?

Question Debt Management Consolidation Loan
One Monthly Payment? Yes Yes
Good Credit Required? No Yes
Rates Of Interest Decreased? Yes Yes
Harmful to Credit? No No
Collectors Cease Calling You? Sometimes Yes
Need a Valuable Asset? No Yes
Risk of Foreclosure? No Yes
How Much Time? 3-6 Years 10-15 Years
Preferable to Bankruptcy? Yes Yes

To decide which option would suit you best, we suggest you talk to a specialist.

Debt Analysis: Port Angeles, WA

Debt Consolidation Companies Port Angeles WA

Debt consolidation services in Port Angeles, WA will want to learn how much debt you have that is non-secured. This means it is not guaranteed by some sort of asset. The most commonly seen types of debt from month to month are credit card bills, payday loans, rent/mortgage payments, hospital fees, and store cards. In a perfect world, your monthly debt payments should make up roughly 1/3 of what you make. These debts include all the debts you owe:

  • Credit Card Accounts
  • All Loans
  • Rent or Mortgage Payments

Consider what this means for the average individual in Port Angeles, WA:

  • Income Per Annum: $36,756
  • Income Per Month: $3,063
  • Ideal Debt Load: $1,103
  • Severe Debt Load: $1,532

Debt load greater than 50%? If so, you need to consult a debt consolidation professional near you.

Finding a Debt Consolidation Agency in Port Angeles, WA

The FTC has dedicated standards that regulate how these companies work.

As per FTC standards, any Port Angeles WA debt consolidation agency is required to offer you the following information before you join their program:

  • All of the costs and charges.
  • How long their program takes.
  • The amount that must be saved before they’ll reach out to your creditors.
  • The unfavorable impact on your credit ratings.

It would definitely be too risky for you to settle on a service randomly. It’s best to check with friends who have experience with a particular business. Alternately, you can have us find you a debt consolidation company in Port Angeles through our web form.

Debt Consolidation Providers: Port Angeles, WA

  • WA Debt Consolidation Company? Contact us!

Debt Collectors: Port Angeles (WA)

  • Peninsula Collection Services Inc., 719 E 1st St., PO BOX 1661, 98362