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Free Debt Consolidation Quote

By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
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Florida FL Debt Consolidation

It’s hard to believe that Florida’s economy was flying high just a few years ago. Powered by a boom in the construction and banking industries, the state was attracting thousands of new arrivals every month. Entire towns were being built from scratch on the picturesque fields, wetlands and beaches that define the state to many outsiders.

These days, things are far different. Florida’s unemployment rate remains above 8 percent. Nearly 15 percent of the state’s population lives below the poverty line. Meanwhile, its median household income is $5,000 below the national average.late payments require debt consolidation

It’s no wonder that Floridians are racking up consumer debt at breathtaking speeds. From Miami to Pensacola, Florida’s homeowners and consumers are leveraging themselves at unprecedented rates. If you’re a hard-working Floridian who struggles with credit card bills, business debts and other obligations, you’re probably desperate for a way out of your predicament.

Florida Debt Consolidation Options

Fortunately, you’re a prime candidate for a program of debt consolidation in Florida. From a focused program of debt management led by an experienced credit counselor to a powerful debt negotiation plan that could help you avoid a bankruptcy filing, you’re virtually certain to find a plan that could stop your personal debt crisis in its tracks.

Florida Debt Management

If your debts consist primarily of high-interest credit card bills, consider getting in touch with a Florida credit counselor. These professionals are trained to work in close concert with your credit card issuers to reduce the interest rates on your outstanding debts.

When you enroll in a credit counseling program in Florida, you’ll be presented with a debt management plan that’s designed to work within your budget. Along with your newly-reduced interest rates, you’ll receive budgeting suggestions that could keep your finances on track for years to come.

One of the biggest drawbacks of your Florida debt management plan is likely to be its duration. Some credit counselors have been known to draw up plans that take as long as seven years to complete. If that’s not acceptable to you, you may wish to look at some other Florida debt relief options.

Debt Consolidation Loans in Florida

If your debt load is larger than $10,000, you might qualify for a debt consolidation loan. These credit facilities are designed to pay off your existing creditors and roll your debts into an easy-to-understand loan. Instead of dealing with multiple banks and credit card companies, you’ll have just a single lender to pay off each month.

If your credit score is above 600, your Florida debt consolidation loan might carry a far lower interest rate than your disparate credit card bills. However, these loans aren’t ideal for folks who have poor credit. Most consolidation lenders don’t take chances on borrowers with sub-prime credit scores.

Even if you can find a willing lender, you might find it difficult to afford your loan. Many sub-prime debt consolidation loans come with interest rates of 15 percent or more. While Florida consolidation loans are great for debtors with solid credit, you’ll need to crunch some numbers to ensure that you don’t take on an expensive new obligation.

Florida Debt Negotiation Plans

If you decide that a debt consolidation loan isn’t for you, you have another option: debt settlement, also known as debt arbitration or debt negotiation. Debt settlement is a powerful form of debt relief that’s often described as a prime alternative to bankruptcy. You can resolve your debt problems without filing bankruptcy.

After enrolling in a program of Florida debt settlement, you’ll stop paying your existing creditors and use your savings to establish an escrow account. Meanwhile, your debt negotiation team will work to convince your creditors to accept reductions in the principal balances on your debts. While no case is typical, these reductions could slash your total debt package by thousands.
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Once all of your debts have been settled, you’ll make a lump-sum payment out of your escrow account and begin a new chapter in your financial life. It’s important to note that this process will temporarily damage your credit score. However, this damage won’t be as deep or long-lasting as any theoretical post-bankruptcy hit to your credit score.

Take charge of your life and investigate your Florida debt relief options today.

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By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
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"I called National Debt Relief and they took my information over"

** Audited by: Eileene Maliksi ** Moderate National Debt Relief Caller: Charlotte Transcribed WE 2/28/2021 Charlotte: Our call is recorded. How did you first initially hear about our National Debt Relief? LAQUETTA: TV. Charlotte: What made you decide to work with National Debt Relief as opposed to the other providers? LAQUETTA: I don't know. Y’all were probably the first one I saw. Charlotte: Tell me about the service that National Debt Relief provided you. LAQUETTA: They had great service, helping me with my debt problem and stuff. And they've been wonderful. Charlotte: The enrollment process, can you walk me through that, please? LAQUETTA: Well, it's been over a year ago, I think. I just called them, and they took my information over the phone. Then they gathered everything, and they call and email me and stuff back and forth. It was simple and painless. Charlotte: In what ways has this program worked for you? LAQUETTA: It's gotten me out of debt. Charlotte: About how far are you in the program at this point? It sounds like you said about a year. LAQUETTA: I think I've got a little less than a year, maybe, to go. Charlotte: Tell me about your negotiator. What do you think about your negotiator? LAQUETTA: I have not had any problems at all. And they're really nice and kind and explained everything. And so, they've just been really good and helped me. Charlotte: Do you happen to know the name of your negotiator by chance? LAQUETTA: I do not. Most the time, it's a guy. But the last time, it was a lady. Charlotte: Is there anything about those representatives that maybe stood out and impressed you at all? LAQUETTA: Well, just how helpful they were. Both of them just seemed to care. Charlotte: If you were going to rate the experience on a scale of one to five, five, you would recommend to friends and one, you're pretty dissatisfied, how would you rate? LAQUETTA: A 5. Charlotte: Is there anything about the process that you would have liked to have seen handled differently? LAQUETTA: No, I can't think of anything. Charlotte: How did National Debt Relief work with you to set up a payment plan? LAQUETTA: The first day, we talked about it. They got all my stuff, and then they called me back, and said that -- I think it's where I pay this every other week for around two years and I'd be out of debt, and we just agreed on it. They draft it out of my account every two weeks. Charlotte: How comfortable were you with the payment? LAQUETTA: Oh, fine. Charlotte: Now, would it be okay if I posted your comments as a review on our public website for National Debt Relief? Because they absolutely love gathering feedback on customers’ experiences with the process. LAQUETTA: That’s fine. Charlotte: I will send you a link so that you can have it as a record at kimspencer00@gmail.com. LAQUETTA: Yes. Charlotte: How would you say working with National Debt Relief has impact your life? LAQUETTA: It just gave me freedom. Charlotte: If a friend or a family member were asking you about National Debt Relief, what would you tell them? LAQUETTA: I would tell them that they need to call and get set up because it's easy and painless. And it'll help you to get out of debt. Charlotte: We’re recorded.

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