We can help you consolidate all of your unsecured debt into just one payment amount.
For your free debt consolidation estimate, all you have to do is submit this easy form. You can start getting out of debt now.
Chattanooga (TN) Debt Consolidation
There are as many as 15,896 people in Chattanooga in need of debt consolidation, and most would benefit from a debt management plan more than anything else.
A DMP offers lots of benefits:
- Lower Monthly Payment
- Lowered Apr’s
- Forgiven Late Payment Fees
Additionally, these plans are usually rather cheap:
- Enrollment: $70 or less
- Monthly Fee: $30 to 35
Chattanooga (TN) Debt Consolidation Loans
When you take out a debt consolidation loan in Chattanooga, TN, you’ll use the money to pay back your existing credit cards. Keep in mind, the loan still has to be repaid.
The main advantages of debt consolidation loans in Chattanooga, TN, reflect those of a debt management program, for example combined monthly payments, a lot less calls from debt collectors, and more affordable annual percentage rates.
Keep in mind, a wide range of industry experts will tell you that credit counseling would be a better solution.
Speak to a debt consolidation professional to figure out which debt consolidation strategy will be right for you.
In Chattanooga, payday debt is almost as widespread a problem as unsecured credit card debt.
|Locals||1 Payday Loans||2 Payday Loans||Late|
Fortunately, we can help you find payday loan consolidation companies in Chattanooga, TN, who can assist you to:
- Consolidate various payday cash loans.
- Reduce ridiculous cash advance APR.
- Set up a strategy for being free from payday debt.
- Take payday lender phone calls.
Need to consolidate your payday loans?
Chattanooga, TN Debt Loads
Any Chattanooga debt consolidation professional you speak to will need to know how much debt you have that’s non-secured, meaning it’s not guaranteed by a property of some sort. The most commonly seen sources of debt are:
- Credit Cards
- Cash Advance Loans
- Department Store Cards
- Rent/Mortgage Payments
- Healthcare Fees
- Other Revolving Credit Balances
If at all possible, approximately 33% of the income you earn each month ought to be devoted to paying off what you owe. This consists of credit card bills, loans, and rent or home loan repayments. Let’s consider how this works for the average individual in Chattanooga, TN:
- Annual Income: $20,905
- Per-Month Income: $1,742
- Recommended Debt Load: $627
- Serious Debt Load: $871
Do you owe at least $10,000 in credit debt? Then you need to talk to a debt consolidation specialist in Chattanooga, TN.
How to Identify Debt Consolidation Ripoffs in Chattanooga (TN)
You should not work with any Chattanooga TN debt consolidation agencies if they:
- Make you pay for an evaluation
- Won’t provide you with references
- Do not have licensed counselors
- Assert that their services won’t influence your credit
- Claim federal programs will erase your debt
- Are unable to provide you with how their program works
- Don’t have a solid Better Business Bureau (BBB) rating
Please don’t sign up for a program that has a poor reputation. For additional information, take a look at the FTC items in our blogroll.
Debt Collections Agencies in Chattanooga, TN
- Account Services LLC, 5959 Shallowford Rd, Suite 427, 37421-2285
- Collection Service Agency, Inc., 2144 Chapman Rd, 37421-1689
- North American Credit Services, Inc., 2810 Walker Rd, 37421-1082
- Premier Financial & Credit Services, 100 Cherokee Blvd., Suite 204, 37405
- TigerTranz, 5330 Ringgold Rd., Suite A, 37412-3151
Debt Consolidation Providers in Chattanooga (TN)
- A Christian Lanier Iii, 615 Lindsay St, #150, 37403
- Bankcard Solutions Inc, 201 Frazier Ave, 37405
- Cardservice International, 5932 Pine Grove Trl, #102, 37421
- Charles O Ragan Law Offices, 707 Georgia Ave, #300, 37402
- Consumer Credit Counseling Service, 5700 Brainerd Rd, #Rd-6000, 37411
- Farm Credit Services of Mid-America, 7610 Hamilton Park Dr, 37421
- Havertys Credit Service Inc, 1501 Riverside Dr, 37406
- Lanier Christian Attorney at Law, 615 Lindsay St, 37403
- Massey & Speek, 1024 E Ml King Blvd, 37403
- The Law Offices of Lloyd Stanley, 633 Chestnut St, 37450
- Rannick, Kenneth C – Kenneth C Rannick PC, 4416 Brainerd Rd, 37411