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The downturn caused debt to pile up on consumers in Cleveland. A whole lot of people still have a long road ahead of them. Find out how consumers like you are working their way out of debt. Find the strategy that seems right for you, or simply contact a debt specialist for a free assessment.

Debt Consolidation in Cleveland, OH

For anyone who is swamped by bills and trying to keep all of your payments straight, consolidating debt may be the answer, combining everything you owe on a monthly basis into a single payment. This may involve a loan, or otherwise a debt management plan (DMP), an offer of debt payment opted into by your creditors, often with a reduced rate of interest. This is only for unsecured debt–debt not guaranteed by an asset such as a car or home. Types of unsecured debt may include:

  • Credit or Retail Cards
  • Cash Advance Loans
  • Student Loans
  • Medical Bills

To find out which type is best for you, talk to a licensed debt consolidation professional.

Credit Counseling in Cleveland, OH

Credit counseling, also known as debt management, entails creating an in depth repayment plan with the help of a qualified specialist. You pay back all of the debt you owe, but more swiftly, effortlessly, and affordably. This is healthier for your credit than debt settlement, and you won’t be putting your home at stake with a big new loan. Actually, credit counseling is obligatory for folks filing bankruptcy. A qualified credit counselor in Cleveland can show you how you can manage money, work out your present financial difficulties, and get rid of debt. If you are in more than $10,000 of debt, your credit counselor may want you to enroll in a debt management program (DMP). If you sign up for a DMP, your local credit counselor can often negotiate cheaper interest rates and fees and penalties from the firms you’re paying back. Your credit counseling agent will deal with your creditors directly.

Debt Settlement in Cleveland, OH

It’s always best to repay everything you owe, but as a last measure you can negotiate for a reduced amount.

Debt settlement is not super complex, but it is better left to a trained specialist. In order to be qualified for a credit card debt settlement plan in Cleveland you typically need:

  • $10,000 in Debt
  • $300 Per Month For Payments

If you fall into this category, don’t panic. We estimate that 131,466 of Cleveland’s 1,327,139 residents owe at least this much debt.

Comparing Debt Relief Approaches

Question Counseling Consolidation Settlement
One Payment Amount? Yes Yes Yes
Actual Debt Reduced? No No Yes
Decreased APR’s? Yes Yes No
Valuable Asset Needed? No Yes No
Damaging to Credit? No No Yes
Suitable for Credit Card Debt? Yes Yes Yes
Works with Hospital Bills? Yes Yes Yes
Better Than Bankruptcy? Yes Yes Yes
Lump Payments Mandatory? No No Yes
Savings Taxable? No No Yes
Must Sign an Agreement? Yes No Yes

>> Free No Hassle Debt Assessment!

Debt Relief Organizations in Cleveland, OH

  • Baker Baker & Baker, 55 Public Sq, #1330, 44113
  • American Credit Network Inc, 15615 Waterloo Rd, 44110
  • C BC Credit Services, 7261 Engle Rd, 44130
  • CCCS of the Midwest, 2800 Euclid Ave, 44115
  • Consumer Credit Counseling Service, 4407 Lorain Ave, 44113
  • Er Credit Consulting, 5788 Ridge Rd, 44129
  • Fresh Start Credit Solutions, 2000 Lee Rd, #20, 44118
  • Nation Credit Services, 729 Miner Rd, 44143
  • Resolve It Inc, 2260 Warrensville Center Rd, 44118
  • Rnd Consulting Incorporated, 10999 Euclid Ave, 44106
  • Koch, Charles J – Charter One Financial Incorporated, 1215 Superior Ave E, 44114
  • Krainess, J – Krainess Law Firm LLC, 13880 Cedar Rd, #Rd-120, 44118
  • Brown, Michael C – Masters Credit Consults Incorporated, 23230 Chagrin Blvd, #940, 44122
  • Debt Collection Agency B & A, 2025 Ontario St, 44115
  • Mr Majestic’s Jewelry Loans, 4852 Northfield Rd, 44128
  • Research Associates Incorporated, 27999 Clemens Rd, 44145
  • CCCS of Northeastern Ohio – A Division of Apprisen Financial Advocates, 5339 Ridge Rd, #201, 44129
  • Corrado, David – David A Corrado Law Offices, 1660 W 2nd St, #410, 44113
  • AC Negotiations LLC, 5451 Broadview Rd, #5, 44134
  • CCCS of Northeastern Ohio – A Division of Apprisen Financial Advocates, 11960 Fairhill Rd, 44120

Collection Agencies in Cleveland, OH

  • Allied Debt Recovery Services, Inc., 2000 Warrensville Center Rd, 44121-2600
  • Andrews, Bolden & Associates, Inc., 3501 W 117th St, 44111-3514
  • First Federal Credit Control, Inc., 24700 Chagrin Blvd Ste 205, 44122-5630
  • Javitch, Block & Rathbone, 1300 E 9th St Fl 14, 44114-1501
  • Corporate Collection Services, Inc., 23220 Chagrin Blvd, 4th Floor, Bldg. 2,, eveland, OH 44122-5408
  • McCarthy, Burgess & Wolff, 26000 Cannon Rd, 44146-1807
  • Novus Financial Services, 1255 Euclid Ave Ste 301, 44115-1810
  • Revenue Group, 3700 Park East Dr Ste 240, 44122-4308
  • The HMC Group, 837 Crocker Rd, 44145-1028
  • Weltman, Weinberg & Reis Co., L.P.A, 323 W Lakeside Ave Ste 200, 44113