IL Debt Relief

Credit Counseling: Lansing (IL)

Imagine if it were possible to cut back on your rates of interest and debt collector calls.

We work with credit counselors and debt management agencies to get you the help you’re looking for.

Lansing credit counseling organizations can help people in debt develop a long term budget for repaying debt and repairing credit.

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Do I Need Debt Counseling in Lansing, IL?

Credit Counseling Lansing IL

How much is coming in versus how much goes out. This is the bottom line of the matter when it comes to debt. There are criteria that will show you what kind of financial condition you’re in.

Pay DTI Debt Seriousness
$3,973 Less than 36% $1,430 or less Best
$3,973 36%-43% $1,430-$1,708 Fine
$3,973 43%-50% $1,708-$1,987 Too High
$3,973 50% Plus $1,987 or More Contact a Professional!

Debt Counseling Programs in Lansing, IL

Do you owe more than $10,000 in unsecured debt or have monthly payments for rent, loans, or credit cards that use up more than one half of your earnings? Then your credit counseling professional could possibly decide that you need to take part in a debt management plan (DMP). A DMP is a means of consolidating debt, as the money you owe every month will be combined into a single payment. However, no loans are involved.

You won’t need to converse with your creditors, since your credit counseling professional will manage things from this angle.

How to Avoid Credit Counseling Shams: Lansing, IL

As a program, credit counseling and debt management plans have been vetted by the FTC and other governmental regulators. Nevertheless, professional credit counseling firms typically feature:

  • Professional Counselors
  • Authentic References
  • Non-Profit Status
  • Straight Answers
  • Free Counseling
  • Documented Action Plans

Please remember that being a non-profit doesn’t always mean that a credit counseling program is bonafide. Don’t settle for a credit counselor that you can’t count on. We want to help you find an experienced Lansing credit counseling specialist.

>> Locate Credit Counseling Services

Even though credit counseling won’t lower your debt, you can save big money through reduced interest and lower fees.

A brief analysis of your finances is required to supply an accurate savings estimate.

Fees Charged By Credit Counseling Services in Lansing, IL

Credit Counseling Lansing IL

How much will a debt management program cost? Generally $25-30 each month, including a startup fee of around $75. How much will your monthly payments be? Usually 2.5% of how much you owe.

Consumer Credit Counseling Service in Lansing (IL)

Non-Profit Credit Counseling Lansing IL

CCCS, also known as Consumer Credit Counseling Service, may provide cost-effective credit counseling for local families. In Lansing, Illinois, a Consumer Credit Counseling Service will generally be a nonprofit which makes use of an NFCC member seal. Normally a CCCS agency will make available Lansing bankruptcy counseling for Lansing residents, and in many cases housing counseling and money management counseling sessions. Generally, non profit credit counseling in Lansing, IL, doesn’t equate to free of cost. To find the closest CCCS location in Lansing, IL, please reference the list of agencies we’ve published or go to the official NCFF site.

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Credit Counseling / Debt Management in Lansing (IL)

  • Mortgage Advisors Inc., 1030 Dixie Hwy, 60438