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Are you resident in Eugene looking to get yourself on the path to a life free of debt? Learn how consumers like you are finding their way out of debt. Find the solution that suits you best, or simply get in touch with a debt specialist to find out more.

Debt Consolidation in Eugene, OR

At Repaid.org, we match people in Eugene with debt consolidation experts whose mission is to:

  • Combine their monthly payments
  • Minimize or freeze their interest rates
  • Decrease debt collector messages and calls

The term debt consolidation can mean one of two differing debt relief programs:

  1. Consolidating your debt into a DMP (Debt Management Plan).
  2. Consolidating your debt with a new loan.

A qualified debt consolidation consultant can help you decide which alternative is best for your needs.

>> Free No Obligation Debt Consultation!

Credit Counseling in Eugene, OR

Credit counselors contact your creditors to lock down more desirable rates and terms. You won’t have to take out a new loan, your credit should not be adversely affected, and the calls from your creditors should come to an end. Best of all, you should only have a single big payment to make each month, and it will be an amount that suits your budget. Credit counseling specialists can help people in debt develop a long term plan of action for eliminating debt and rebuilding credit. Suppose you’re paying out $1,525 per month and your income is only $3,050. In that case, your credit counselor may have you sign up for a debt management plan. As part of a DMP, your Eugene credit counselor can often work out more affordable rates and better terms from the firms you owe. Simply speaking, your credit counseling firm will manage your creditors personally.

Debt Settlement in Eugene, OR

Can’t repay those pesky credit card balances? Debt negotiation might be able to help you lower how much you owe significantly. Debt settlement involves paying back part of your original debt, but not all of it. Financial institutions in Eugene understand that people who are overdue on their payments are at increased risk of bankruptcy, in which case they will get nothing at all. No debt settlement specialists in Eugene can bill you at signup, so this means your legitimate debt settlement company in Eugene will only charge you after an account is settled. Most debt management options normally involve flat payments. Many settlement agencies will charge you about 15 percent of the amount you owe – this is significant! This fee is generally spread out over a period of 12-24 months.

Are You a Candidate for Debt Relief?

On average, the salary for residents of Eugene is $36,605 per year, or $3,050 each month. You need to talk with a credit counselor if you make this much and are having to pay $1,312-$1,525 per month on debts that are secured or unsecured, for example:

  • Bank Cards
  • Loans Car, Payday, Home
  • Mortgage or Rent

Debt Relief Eugene OR

Debt Relief Organizations in Eugene, OR

  • Armstrong Bankruptcy Law Offices, 440 E Broadway, #100, 97401
  • Armstrong Gavin W Attorney, 440 E Broadway, 97401
  • Debt Reduction Services, 1200 Executive Pky, #260, 97401
  • Emmanuel Credit Management, 210 E 17th Ave, 97401
  • Kindred Research & Development, 555 N Danebo Ave, 97402
  • CCCS (A Division of MMI), 1200 High St, #150, 97401

Debt Collectors in Eugene, OR

  • Creditor’s Specialty Service, Inc., 1925 Bailey Hill, Suite F, 97405
  • Pacific Coast Credit, 135 Silver Ln Ste 200, 97404
  • Professional Credit Service, 2892 Crescent Ave, 97408-7397
  • The Law Offices of Derrick McGavic, 941 W 3rd Ave, 97402-4924