Debt is truly one of the greatest stressors for Louisville residents.
We will get you in contact with a credit counseling consultant based on your location, unpaid debt, and other preferences. You could be on the road to financial freedom before you know it – it’s easy!
While credit repair is a method to increase your credit score, credit counseling is centered on debt relief.
Debt Counseling: Louisville, KY
How much is your debt in total? If you’re having to pay over half of your earnings monthly on rent/mortgage, automobile/college loans, and credit cards, you might want to schedule a credit counseling session asap.
If you have serious debt, your credit counseling specialist may want you to participate in a debt management plan. A DMP is a way of consolidating debt, in that your payments to creditors is merged into a single amount, but there’s no loan involved. Each and every month, you’ll submit a single sum to your Louisville credit counselor. They send the appropriate amounts to your creditors.
Tips on Avoiding Credit Counseling Shams in Louisville (KY)
So long as you get an honest agency, credit counseling can be extremely valuable. For that matter, the Federal Trade Commission now mandates it for individuals declaring bankruptcy in Kentucky and nationwide. But avoid any credit counselors in Louisville that declare that they’re able to:
- Put an end to all debt collection calls
- Clean unfavorable items from your credit score
- Negotiate guaranteed debts, for instance car loans
- Keep creditors from suing you
- Impose a fee ahead of time for their products and services
Remember that being a non-profit does not guarantee that a credit counseling program is legit, and vice versa.
Don’t be happy with a credit counselor you can’t put your confidence in. Why don’t we help you find a good Louisville credit counseling professional.
How Much Will Debt Management Save You?
Some people foolishly believe that credit counseling is pointless simply because it cannot decrease the debt you owe, but they don’t understand that a debt management program should decrease your APR’s, which can be a highly effective way to cut costs.
Are you ready to discover how much credit counseling in Louisville, KY, could save you?
Bankruptcy Credit Counseling: Louisville, KY
Bankruptcy has become widespread in Kentucky, don’t you think? It’s estimated that 3437 of Louisville’s 690,172 consumers have declared bankruptcy. Within 180 days of declaring bankruptcy, you have to attend an approved credit counseling program and receive a certificate to be presented in court. You can attend the session in person, by phone, or on the internet, as long as you get the right certificate
Do not forget- a credit counseling program post-bankruptcy will be a requirement. To find approved pre-bankruptcy credit counseling courses for Louisville residents, check this page, or you can speak to an experienced credit guide by filling out this form.
Credit and Debt Counseling: Louisville, KY
- O’Brien David S Attorney, 539 W Market St, 40202
- Attorney Nick Thompson, 1230 S Hurstbourne Pky, 40222
- Bland Stewart E Attorney, 401 W Main St, 40202
- Borowitz & Goldsmith PLC, 401 W Main St, #1100, 40202
- Consumer Credit Counseling Service, 2100 Gardiner Ln, 40205
- Dpd Planning And Counseling, 3027 Preston Hwy, 40217
- Farm Credit Services, 1601 Ups Dr, 40223
- No Doubt Mortgage Inc, 1450 Gardiner Ln, 40213
- Quality Credit Services, 13531 Springs Station Rd, 40245
- TNH Tax Services LLC, 1815 Brownsboro Rd, 40206
- Trademark Credit Counseling, Louisville Slugger Museum, 800 W Main St, 40202
- Consumer Credit Counseling Service (Cccs) – Apprisen Financial Advocates, 2100 Gardiner Ln, #Ln-302, 40205
- Hope Financial Services Incorporated, 7980 New La Grange Rd, #5, 40222
- Lawson, James Jd – Lawson at Law, PLLC, 10600 Timberwood Cir, #1, 40223
- Whitford, Raphael Attorney – Louisville Bankruptcy Solutions, 9400 Williamsburg Plz, #110, 40222
- A Credit, LLC, 3801 Springhurst Blvd, #206, 40241
- CCCS of Louisville – A Division of Apprisen Financial Advocates, 11492 Bluegrass Pky, #110, 40299
- Quality Credit, 11800 Shelbyville Rd, 40243
- Consumer Credit Counseling Service, , 40014
- Consumer Credit Counseling, 3451 S Hurstbourne Pky, #141, 40299