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If you live in Bend and you’ve got more than $10,000 in unsecured debt, you need to develop a plan for cutting your debt while you still can. We can help you determine whether a strategy like consolidation or counseling ought to be on your list. Then we’ll provide you with a debt professional or credit counselor who can lead you through the process.

Debt Consolidation in Bend, OR

If you’ve been overdue on your credit cards, consolidating your credit cards and debts into one easy payment each month may help you get things back on track. If you sign up with a debt consolidation professional, you’ll be able to combine your credit card debt under a plan for managing debt, called a DMP. Your consultants will work to obtain benefits from your creditors, for example:

  • Reduced Interest Levels
  • Fewer Penalty Fees
  • Reduced Payments Per Month

Consolidating your debt may also infer home equity loans that replace your credit debt with collateralized debt. Let’s get you in touch with a legitimate Bend debt consolidation agency.

Debt Consolidation Bend OR

Credit Counseling in Bend, OR

Credit counseling has many advantages over other methods:

  • A new loan isn’t necessary.
  • No problems for your credit.
  • Single monthly payment that suits your budget.
  • End to letters from creditors and collections.

Because of this, credit counseling is less precarious of all debt relief approaches, and it is typically extremely budget friendly to boot. Your Bend credit counseling firm may help you:

  • Combine Your Monthly Repayment
  • Benefit from Cheaper Rates of Interest
  • Avoid Collections Harassment
  • Pay Off Your Debt More Quickly

Debt management programs are practically synonymous with credit counseling. As part of a debt management plan, your Bend credit counseling agency should be able to secure lower APR’s and better terms from the companies you owe. You’ll deliver just one check to your Bend credit counselor. They’ll mail out the correct sums to each of your creditors.

Debt Settlement in Bend, OR

For Bend card-holders, debt settlement is perhaps the most radical debt relief program at a consumer’s disposal. Debt settlement involves agreeing to pay back only a portion of your original debt. Why would banking institutions agree to a reduced amount? They prefer that people steer clear of going bankrupt. In this way, the creditor obtains at least some of the amount owed them. Before you move forward with debt settlement, there’s something you need to understand. For instance, debt settlement is bad for your credit score, as what you owe will never be paid in full. On top of that, your collection calls might not decrease significantly. You might have to wait six months for anything to happen, and during that time your credit balances will continue to mount.

Bend Debt Report

  • Average Income: $26,910
  • Average Total Debt: $33,099
  • Average Credit Card Debt: $4,575 (High)
  • Average Credit Card Debt: $2,826 (Medium)
  • Average Credit Card Debt: $2,018 (Low)

Debt Relief Agencies in Bend, OR

  • Consumer Credit Counseling Services, 1010 NW 14th St, 97701
  • Loanrefine.com, 1180 SE Division St, #1, 97702

Collectors in Bend, OR

  • Cascade Credit Consulting, Inc., 2330 NE Division St Ste 8, 97701-3570
  • Credit Associates, Inc., 358 NE Marshall Ave Ste 2, 97701-4364
  • Credit Systems of Oregon, 1824 NE Division St Ste F, 97701-1905
  • Pacific Coast Credit, 1631 NE 2nd St Ste B, 97701-4078
  • Professional Credit Service, 1435 NE 4th St, 97701-4200