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Research has revealed that the average American owes over 10% of their gross annual income to their credit card issuers. Given an income of $36,913, the average in West Chester, that’s $3,876. At Repaid.org, we can help you steer through the wide array of debt relief strategies currently available, then connect you with a debt professional or credit counselor to assist you in paying off your debt.

Debt Consolidation in West Chester, OH

The term debt consolidation spans a few different debt relief approaches, all of them aimed to consolidate various debts into just one payment. The advantages are wide ranging:

  • Single payment instead of many.
  • More affordable monthly payment amount.
  • Possible decrease in interest rate via lender concession.
  • No more calls from creditors and collections agencies.

Typically, a debt management plan is the best option, as opposed to a loan, seeing as your own home isn’t put at stake. To see which type fits your needs, you’ll want to get in touch with a skilled debt consolidation advisor.

>> How Much Could Debt Consolidation Help You Save? Find out!

Credit Counseling in West Chester, OH

Credit counselors reach out to your creditors to arrange superior rates and terms. The process doesn’t require a loan, your credit score should not go down, and the harassment from collections should no longer be an issue. What’s even better, you should just have a single big payment to make each month–an amount that won’t break the bank. Credit counseling consultants help anyone struggling financially by:

  • Teaching them to manage their debts more effectively.
  • Supplying solutions to existing credit troubles.
  • Creating custom-made budgets for their clients.

A very important component of credit counseling is managing debt. With a debt management program, your West Chester credit counselor may able to get you reduced rates of interest and fees and penalties from your creditors. You will no longer have to talk to your creditors. The credit counselor will manage things from this angle.

Debt Settlement in West Chester, OH

Debt settlement firms should be able to get your debts down to 40-80% of their original amount. When you settle a debt, you pay back only a partial amount of what you originally owed. Debt settlement might not be rocket science, yet it’s best left to an experienced professional. To start with, you and your debt professional will create a game plan. With your approval, they will negotiate with your creditors. If at all possible, you would pay the agreed upon dollar amount as quickly as you possibly can. However, almost all negotiation services will let you pay down this over 1 to 5 years. You should not be charged until they’ve settled a debt and have provided you with a written agreement. Although debt settlement may result in substantial decreases in your credit card debt, it calls for serious consideration.

Ready for your zero cost debt settlement savings estimate?

Debt Settlement West Chester OH

Comparing Debt Relief Options

Question Credit Counseling Debt Consolidation Loan Debt Settlement
One Payment Per Month? Yes Yes Yes
Actual Debt Reduced? No No Yes
Decreased Interest Rates? Yes Yes No
Harmful Influence on Credit Scores? No No Yes
Appropriate for Credit Card Debt? Yes Yes Yes
Suitable for Private College Loans? Yes Yes No
Suited to Payday Advances? Yes Yes Yes
Appropriate for Business-Related Debt? Yes Yes Yes
Preferable to Bankruptcy? Yes Yes Yes
Damaging Tax Implications? No No Yes
Must Sign an Agreement? Yes No Yes

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Debt Relief Companies in West Chester, OH

  • Credit Repr Services, 7969 Cincinnati Dayton Rd, 45069
  • Midwest Financial & Mortgage Services- Inc., 6964 Tylersville Rd, 45069
  • Tr & Associates, 8080 Beckett Center Dr, #204, 45069

Debt Collectors in West Chester, OH

  • None listed.