Debt Relief

Credit Counseling: Collierville (TN)

Looking to lower the APR on your credit cards and pay back any outstanding balances? In that case, we can help.

We work with credit counselors and debt management companies to help you get the help you need.

For residents of Collierville, credit counseling is often the most affordable debt relief option.

>> Get a No Cost Credit Quote!

How much you earn, how much you owe? The calculations are simple.

Pay DTI Debt Level
$3,302 Less than 36% $1,189 or less Ideal
$3,302 36%-43% $1,189-$1,420 OK
$3,302 43%-50% $1,420-$1,651 Too High
$3,302 50% Plus $1,684 or More SEVERE!

Managing Debt in Collierville (TN)

Debt management is often associated with with credit counseling. As part of a DMP, your Collierville TN credit counseling agency may able to obtain reduced rates of interest and better terms from your credit card companies.

You will submit only one payment to your Collierville credit counseling firm. They will submit the appropriate portions to each of your creditors.

Tips on Avoiding Credit Counseling Ripoffs: Collierville, TN

As a program, credit counseling has been checked out by the Federal Trade Commission and other governmental bodies, but watch out for any credit counseling firms in Collierville that declare that they can:

  • Halt all calls from debt collectors
  • Reduce guaranteed debts
  • Get you out of debt through some federal government program
  • Charge a fee in advance for their services

Bear in mind that being a non-profit does not necessarily mean that a credit counseling company is reputable, and for-profit doesn’t signify they’re dishonest. If you call us today for a free evaluation, you can be more certain that you’ll be dealing with one of the more effective debt management agencies in Collierville, TN.

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How Much Could Debt Management Help You Save?

Everything you owe will have to be paid back. However, it can often bring about less expensive monthly payments by way of greatly reduced interest and penalties. One of the debt experts we work with can examine your finances and provide you with an estimate of how much you could save.

Credit Counseling in Collierville TN

Consumer Credit Counseling Service in Collierville (TN)

The National Credit Counseling Foundation is the largest network of consumer credit counseling services in Tennessee. Members are normally called CCCS, or Consumer Credit Counseling Service. In Collierville, Tennessee, a Consumer Credit Counseling Service will normally be a nonprofit which uses the NFCC seal. In most cases a CCCS firm will provide not just consumer credit counseling, but also Collierville bankruptcy counseling for Collierville consumers, along with housing assistance and credit rating counseling. Bear in mind that not for profit credit counseling in Collierville, TN, does not always mean free of cost.

To find the CCCS office nearest to Collierville, TN, reference the list of Collierville credit counseling firms we provide. If you can’t find one, you can do a seach on the NCFF’s agency directory located here

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Credit Counseling and Debt Management Agencies: Collierville, TN

  • A American Credit and Debt Counseling Service, 397 New Byhalia Rd, 38017