Idaho State...
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Idaho Debt ManagementDebt Management and Debt Counseling Services
For those who have problems getting out of debt, there are many sources to find help. Debt counselors, consolidators, and settlement agencies make up the majority of services available to the public. Debt counselors are often available for free through different services offered by the government. Other non-profit organizations claim to offer debt-counseling services, but charge a fee. Debt consolidation companies help individuals transfer debt from high interest rate credit cards to one loan with a lower rate. Debt settlement agencies use the collective bargaining power of all of their clients to negotiate lower rates with credit card companies and then assume the debt of their clients while negotiating a payment plan.
In Idaho, debt management services can usually be found at within the government's health and human services departments, where programs are created with the partnership of local banks to help offer guidance to those in credit trouble. In these programs, citizen volunteers are trained by debt experts from banks and other lending organizations to counsel those who express a need to reign in debt spending. It has been determined that people with lower incomes are most vulnerable to credit card debt. The percentage of Idaho's population below the poverty level is moderate, and they rank #22 in the country *, meaning that its citizens are at an average risk of getting into debt trouble when compared to other states.
*Statistical Abstract of the U.S (2004)
Idaho Debt Management & Debt Counseling
DebtWave Credit Counseling, Inc.
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DebtWave Credit Counseling, Inc. offers a program to its clients that enables them to repay their debt in a timely fashion. We specialize in working primarily credit cards; however, we are usually able to assist clients with any bills that are considered to be unsecured. Below is a list of benefits that we are typically able to obtain for our clients:
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Reduce your interest rates
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Lower your monthly payment
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Consolidate into one monthly payment
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Eliminate late & overlimit fees
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Stop harassing phone calls (if behind)
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Debt Relief Network
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Overcome your debt and get help reducing harassing creditor phone calls without having to file for bankruptcy. At Debt Relief Network, we understand that unforeseen circumstances in life (divorce, medical bills, unemployment, etc.) can sometimes lead to a seemingly overwhelming debt burden. Our experienced, friendly personal counselors will work with you to help you overcome your debt and get on the road to financial
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Financial Services
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Keeping on top of our personal finances takes a lot of time and organization. Many people take this task lightly and a wake up call is necessary to give them a jolt of fiscal responsibility. Unfortunately for many, this wake up call comes after personal
debt has become a burden in life. |
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