Credit Counseling: Leitchfield (KY)

KY Debt Relief

Has your credit debt been piling up? In this case, you need to find a credit counseling firm in Leitchfield, KY.

Let us place you in contact with a debt counseling specialist who can offer you a free debt evaluation, savings quote, and recommended debt relief program.

A trained credit counselor in Leitchfield can educate you, the consumer, on ways to manage debt, deal with your existing financial troubles, and plan for your financial future.

Of Leitchfield’s 14,691 locals, it’s believed that 542 are in need of credit counseling.

>> Get Your No Cost Debt Estimate – Today!

The average income for people in Leitchfield is $13,959 per year, which is $1,163 every month. You need to speak with a credit counselor if you make this much and are spending $500 to $582 monthly on debts like:

  • Credit Card Debt
  • College or Car Loans
  • Cash Advances
  • Mortgage or Rent

Do you owe at least $10,000 in debt or have a debt-to-income ratio of 50% or more? Then your credit counselor may say that you need to enter a DMP, or debt management plan. If you sign up for a debt management program, your Leitchfield KY credit counseling agency may able to obtain more affordable annual percentage rates and fees from your credit card companies. Under a debt management program in Leitchfield, the credit counselor will address paying the credit card companies each and every month. The only thing you have to do is hand them the predetermined monthly payment.

Avoiding Credit Counseling Ripoffs: Leitchfield (KY)

Overall, credit counseling and debt management plans have been checked out by the FTC and other state and federal bodies. Of course, stay clear of any credit counseling companies in Leitchfield that advertise that they can:

  • Put an end to all collections calls
  • Remove unfavorable things from your credit rating
  • Ensure the removal of unsecured debts
  • Bill you upfront for their services

For details, look at this FTC guide on choosing a credit counselor.

How Much Could Debt Management Help Save?

Everything you owe has to be paid off, but your monthly payments should be more affordable due to reductions in interest rates and penalties. A quick analysis of your finances is necessary to provide a precise savings estimate.

Non-Profit Credit Counseling Service: Leitchfield, KY

Non-Profit Credit Counseling Leitchfield KY

The state’s largest non profit credit counseling organization is the NFCC. Their network is identified as the CCCS, or Consumer Credit Counseling Service. In Leitchfield, Kentucky, a Consumer Credit Counseling Service will normally be:

  • Non Profit
  • Affiliated with the National Foundation for Credit Counseling (NFCC)
  • Approved by the HUD (Department of Housing and Urban Development)
  • Approved by The COA
  • Member of the Better Business Bureau

Quite often a CCCS organization will provide Leitchfield bankruptcy credit counseling, financial training, and housing counseling. However, nonprofit does not always mean free.

To discover the CCCS office that’s nearest to Leitchfield, KY, please take a look at the listing of services we’ve published or visit

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Credit and Debt Counseling: Leitchfield, KY

  • Kjr Credit Repair, 661 31W By-Pass Suite F, 42754