Credit Counseling: Benton (KY)

KY Debt Relief

Want to work with a certified credit counselor to establish a roadmap for becoming debt-free? If so, you might want to enlist the services of a credit counseling firm in Benton, KY.

We can get you in contact with a debt counseling expert who can:

  • Assess Your Finances.
  • Get You a Savings Estimate.
  • Help You Find the Most Effective Plan of Action.

Credit counseling specialists get paid a percentage of what you pay down, otherwise known as Fair Share, and so the cost is typically very reasonably-priced, from $0-40 each month.

>> Get a Free Obligation Debt Assessment!

Debt for Benton Residents: When Does it Become Excessive?

On average, the income in Benton is $36,008 a year, which is $3,001 monthly. You need to get in touch with a credit counselor if you make $3,001 and find you are shelling out $1,290 to $1,501 every month on debts that are secured or unsecured, for example:

  • Rent
  • Payday, Vehicle, College Loans
  • Bank Cards

An essential component of credit counseling is managing debt. If you participate in a DMP, your Benton KY credit counselor may able to negotiate lower rates of interest and better terms from the firms you borrowed from.

You don’t have to talk with your creditors. Your credit counselor will manage this end of things.

Avoiding Credit Counseling Shams: Benton (KY)

As an industry, credit counseling has been vetted by the FTC and other government regulators, but it is crucial to confirm that any credit counselor in Benton, KY, is of good standing. You can do this in many different ways, including verifying their consumer reviews, looking at whether or not they’re certified to counsel consumers in Kentucky, and examining their BBB reviews.

To learn more, check out this FTC post on the subject.

It goes without saying, we can help you find the most effective counseling or debt management program based upon your specific needs.

>> Get Your Credit Analysis Today

Credit Counseling Benton KY

If your credit card companies agree to accept your Benton credit counselor’s debt management plan, you will benefit from dramatically reduced rates, fees, and lower payments per month.

A simple assessment of your financial situation is required to provide a precise savings estimate.

Fees Charged By Credit Counseling Agencies: Benton, KY

Credit Counseling Benton KY

Credit counseling on its own is typically offered complimentary, but Benton debt management plans will not be.

Debt management programs are very affordable: $25-3 per month, and the price is factored into your monthly payment.

How much will your payments be? Usually 2.5% of how much you owe.

Consumer Bankruptcy Counseling in Benton, KY

Contemplating bankruptcy? You aren’t the only one. Benton has 18,796 residents, and we estimate that 94 have gone into bankruptcy. Credit counseling is a legal requirement before declaring bankruptcy. You are not required to pay a visit to your local Benton credit counseling service. Services are accessible online and over the phone, not just locally.

More often than not, you need to enroll in a credit counseling program after bankruptcy to boot.

For an approved list of approved Kentucky credit counseling programs, click this link, and you can chat with a skilled credit guide by completing this form.

Non-Profit Credit Counseling Services: Benton (KY)

Non-Profit Credit Counseling Benton KY

The National Credit Counseling Foundation (NCFF) is the number one network of not for profit credit counseling services in Kentucky, and their members are usually often known as CCCS, or the Consumer Credit Counseling Service. In Benton, Kentucky, a Consumer Credit Counseling Service will generally be a community not for profit agency that is a affiliated with the National Foundation for Credit Counseling. Quite often a CCCS agency will make available Benton bankruptcy counseling for Benton residents, and in many cases housing and credit report counseling.

To locate the CCCS office nearest to Benton, KY, reference the listing of Benton credit counseling services on our site. Alternatively, you can visit www.DebtAdvice.org.

>> Get Your No Obligation Credit Counseling Evaluation

Debt Management and Credit Counseling Agencies in Benton (KY)

  • KY Credit Counseling Service? Contact us!