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Considering that the average Dayton consumer is carrying $2,634 in credit card debt, it’s not hard to understand why many are turning for help. Here at Repaid.org, we can help you in finding the debt relief option that works with your debt profile and finances, then help you find the right debt specialist to guide you out of debt.

Debt Consolidation in Dayton, OH

Debt consolidation may relate to a number of different strategies. However, they’re all aimed at uniting a range of debts under a single monthly payment. Often this involves the assistance of a licensed professional who works as an intermediary between you and your creditors, or a big loan that just takes care of all of your other debts. Popular debts slated for consolidation include those arising from credit cards, college loans, and cash loans. Please don’t delay. See how much a debt consolidation firm will save you.

Dayton OH Debt Consolidation

Credit Counseling in Dayton, OH

With credit counseling, you pay off everything you owe, but more speedily, easily, and affordably. This keeps your credit score from plummeting, as it may when settling a debt, and it doesn’t require placing your home at risk with a HELOC or home equity loan. When you enroll with a credit counseling agency, you could possibly:

  • Consolidate Your Payment Amounts
  • Obtain Reduced Rates
  • Eliminate Debt Collections Calls
  • Develop a Plan for Reducing Your Debt

Managing debt is nearly interchangeable with credit counseling. Why look into a debt management program? Because you may be able to benefit from:

  • Decreased Interest Rates
  • Fewer Debt Collection Telephone Calls
  • Consolidated Monthly Repayment
  • Speedier Freedom From Debt

With any debt management program in Dayton, OH, the credit counselor will control paying the credit card companies each and every month. The only thing you’ll have to do is give them just one payment on a monthly basis.

Debt Settlement in Dayton, OH

It’s far better to pay back all of your debt, but as a last measure you can negotiate for a lesser amount.

Creditors in Dayton are open to settlement deals because if a consumer goes bankrupt, they won’t get a single thing. First off, a debt professional will review your debt profile and help you put together a detailed strategy. Then they will start negotiating with your lenders on your behalf to reduce your debt, which often takes a week or less. Sometimes, the amount will be due quite soon, but nearly all debt settlement plans make it easier to pay back this amount over 2 to 5 years. That said, it’s wise if you can pay off the amount more quickly. The programs supplied by debt settlement firms aren’t without their downsides. As an example, your creditors can decline to negotiate. Also, settling your debts can result in a poor FICO rating, because your debt won’t be paid in full. Also, your collection calls may not grow less frequent substantially. Debt that’s forgiven may be taxable.

Consolidating versus Settling Debt

Settling your debts and consolidating them are two separate approaches. While debt settlement leads to reduced debt, consolidation does not. These forms of debt relief – debt consolidation, management, and counseling – cause nearly as much trouble for your FICO rating over the years, but they are long-term remedies that require you to pay back all of what you owe.

Debt Relief Dayton OH

Debt Relief Companies in Dayton, OH

  • Assured Credit Services, 2541 Far Hills Ave, 45419
  • Budulator Corporation, 6502 Old Troy Pike, 45424
  • Consumer Credit Counseling Service, 3131 S Dixie Dr, 45439
  • Consumer Credit Counseling Service, 331 N Dixie Dr, 45377
  • Graceworks, 1453 Liscum Dr, 45418
  • Wampler Harold W Attorney III, 1343 Woodman Dr, 45432
  • Heitz, Dennis – A Debt Relief Agency, 1634 S Smithville Rd, 45410
  • 1st Choice Family, , 45430
  • Burns, Chris – Success Investment Group LLC, , 45430
  • Nacm Great Lakes Region, 41 White Allen Ave, 45405
  • Gall & Gall CO Incorporated, 8555 N Dixie Dr, 45414
  • Webuyhousesdayton.com (937) 270-CASH!, 121 Springboro Pike, #200, 45449

Debt Collectors in Dayton, OH

  • Account Recovery Consultants, Inc., 3864 Kettering Blvd Ste 105, 45439-2033
  • Assured Credit Services, LLC, 2541 Far Hills Ave Ste 204, 45419-1552
  • Commercial Services Group, Inc., 28 E Rahn Rd Ste 115, 45429-5460
  • Corporate Financial Group, 10001 Lebanon Pike Ste 2C, 45458-6200
  • Main Accounts, Inc., 1139 N Main St, 45405-4215
  • Megacity Collections, Inc., 120 W 2nd St, 312 Hulman Bldg., 45402-1604
  • NACM-Ohio, 41 White Allen Ave, 45405-4930
  • United Collection Bureau, Inc., 3131 S Dixie Dr, 45439-2256
  • United Trades Association, Inc., 2310 Far Hills Ave, 45419-1571