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DebtQuest
Talk To A Representative Now: 800-736-0660

Debt Consolidation in Georgia: Lower Your Loan

It’s a common situation when Americans are drowning in loans. If you feel there is no way back, you are absolutely wrong. It’s never too late to clean up your credit history. A significant number of loans create a mess in your life, and one of the best ways is to gather all your debts into one. For that, we offer a debt consolidation program.

What Does Debt Consolidation Stand for?

The credit card debt consolidation program will help you gather all of your loans into one and start saving money to pay all of your debts. Thus, you can take a larger low-interest one loan instead of paying plenty of high-rated ones. A center point of credit consolidation is that you can apply for it no matter what credit score you have. The only difference is that if you have a bad credit score, you may pay a higher interest rate.

 

As a result, you can save money because the amount you pay for one loan is supposed to be lower than the amount you pay for all of your loans. If you don’t get a lower rate because of a bad credit score, your life will still become more comfortable with only one monthly payment. You will get the chance to learn how to control your funds. You should agree that it’s much easier to have only one monthly bill instead of several.

Moreover, Georgia debt consolidation programs will help you in different situations. So, debt consolidation loans in Georgia are student loans or credit card debt, personal unsecured loans, medical bills, etc. However, there are exemptions. You can’t apply for debt consolidation in cases of a mortgage, car loan, taxes, etc.

Debt Management Program Georgia

The debt management program relates to debt consolidation. The difference is that debt consolidation uses a loan to consolidate your debt while DMP uses a credit counseling agency to consolidate your debt without a loan. An agency helps you to work on your payment plan. In the end, you pay your monthly loan to a counseling agency that negotiates with your lenders for lower rates or more extended repayment periods.

Debt Relief in Georgia

A debt consolidation program may not fit you. Nevertheless, you should not be upset. There are different debt relief programs in Georgia.

A debt settlement program in Georgia is used to reduce the balance you owe. The agency negotiates with your lenders to lower the amount you need to pay. There are other options, such as a lower interest rate or a cancellation of late payment fees. However, you should be prepared that there are limits; lenders may decline such requests. There is no law that obligates them to accept requests. Although the government encourages creditors to negotiate a debt settlement, it can’t legitimate it.

Debt Management Services Georgia

If you believe you can avoid the assistance of debt management services, it’s more likely you will not succeed. When you apply to a debt management services Georgia, the company is responsible for negotiating either debt consolidation or for lowering the balance you owe. If you try to do it yourself, it will be a high percentage that you will never agree with your creditors. Moreover, there are other exciting features that make debt management services preferable.

First, high-qualified specialists will estimate your situation and offer the best option for you. We are eager to support your well-being. Secondly, we will do our best to reduce the number and period of the payments negotiating with your creditors and being responsible for your payments.

 

 

We will manage your loan payment and will teach you how to control your funds. Thirdly, you will not have to communicate with your creditors. You will get rid of a vast number of payments, daily lenders’ calls, and get the chance to start your life with a clean sheet.

To conclude, methods of debt relief may differ regarding your situation. However, it’s always better to trust and apply to professionals. Choosing a method of debt relief, you should also learn debt management. So, we are ready not only to help you negotiate with your lenders and reduce your payments but to teach you debt management in Georgia. Thus, you will learn how to avoid such situations in the future.

Debt Settlement Is Your Start To A Debt Free Future
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How Much Can You Save?

How much debt do you owe?

$1

$100k+

What is your desired
monthly program deposit?

$1

$5000

Debt Quest Debt Settlement

$500

Your monthly
program deposit

$5,750 Savings

Your Savings

39 months to pay off your
current debt listed above.

Your monthly program deposit:
$500

Your Savings:
$5,750 Savings

39 months to pay off your
current debt listed above.


Debt Consolidation or Credit Counseling

$500

Your monthly
payment

You pay $14,478 more

No Savings

79 months* to pay off your
current debt listed above.

*Assumed average interest of 15%

Your monthly Payment:
$955

No Savings:
You pay $14,478 more .

36 months to pay off your
current debt listed above.

*Assumed average interest of 15%


Paying Minimum Monthly Payments

$500

Your monthly
payment

You'll Pay $29,199 More than you owe currently

No Savings

9 years* to pay off your current debt listed above.

*Assumed average interest of 20%

Your monthly Payment:
$500

No Savings:
You'll Pay $29,199 More than you owe currently.

32 years* to pay off your current debt listed above.

*Assumed average interest of 20%

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