Debt Relief

Credit Counseling: Athens (TN)

Have you been struggling to find consumer credit counseling in your part of Tennessee?

We can get you in touch with a credit counseling consultant based upon:

  • Where You Live (Athens)
  • What You Owe
  • Other Factors

To get going, you can just submit our easy form. It’s fast, simple, and completely free.

Athens Credit Counseling Considerations

Any reputable credit counseling specialist in Athens should be able to help you:

  • Merge Your Monthly Payment
  • Benefit from Lower APR’s
  • Eliminate Calls From Collectors
  • Put Together a Strategy for Paying off Your Credit Balances

>> Get Your Free Obligation Credit Counseling Estimate!

How much debt do you owe as a whole? For those who are spending over half of your earnings monthly on rent/mortgage, car/student loans, and credit cards, you’ll want to schedule a consultation asap.

Do you have more than $10K of debt or have a DTI of 50% or higher? If so, you might need to enter a debt management plan (DMP). If you enroll in a debt management plan, your Athens TN credit counseling agency may able to get you cheaper APR’s and fees from your credit card companies. Your credit counselor will work with your creditors directly.

Selecting a Credit Counseling Service in Athens, TN

On the whole, credit counseling and debt management plans have been vetted by the FTC and other government regulators, but here is how to make sure that your Athens credit counseling provider is recommended:

  • Get referrals
  • Look at their certifications
  • Be sure that your specialist is credentialed

To read more, read this FTC write-up on the subject. Don’t forget, we assist you in finding the most effective credit counseling or debt management option based on your specific situation.

>> Free No Obligation Debt Consultation

How Much Will Debt Management Help You Save?

Credit Counseling Athens TN

Bear in mind that credit counseling is a way of managing debt, not settling it. Fortunately, your creditors may waive penalties and reduce rates under a debt management program.

To determine exactly how much a DMP could save you, talk to a qualified credit counselor in Athens, TN – right now!

Credit Counseling Athens TN

Non-Profit Credit Counseling Services: Athens, TN

Consumer Credit Counseling Service, often called CCCS, may provide non profit credit counseling for Athens individuals. A Consumer Credit Counseling Service in Athens, TN, will normally be:

  • Non Profit
  • Affiliated with the National Foundation for Credit Counseling (NFCC)
  • Approved by The COA
  • Member of the BBB

Generally a CCCS agency will offer not just consumer credit counseling, but also Athens bankruptcy counseling, money management education, and housing assistance. Bear in mind that not for profit credit counseling in Athens, TN, doesn’t translate to free of cost. To find the closest CCCS agency in Athens, TN, please take a look at the directory of Athens credit counseling agencies we’ve published. If you can’t find one, you can check the NCFF’s member directory:

>> Get Your No Obligation Credit Counseling Assessment

Debt Management and Credit Counseling Agencies: Athens (TN)