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Debt Consolidation in Arizona

Are you an Arizona resident struggling to manage your multiple debts? Are you tired of past due notices and threats from creditors? Then put an end to all your problems by opting for a debt consolidation program in Arizona.

It is the best available option if you want to settle your debts without hampering your credit report. Debt consolidation will resolve your multiple debt issues and reduce your interest rates. If you are an Arizona resident looking for a debt relief, then debt consolidation is the best option for you!

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Debt Consolidation- How it works?

Arizona Debt Consolidation programs helps restore your troubled finances. Here, you take out a single loan to pay back all your multiple high interest debts.

You can consolidate your debts either by yourself or with the help of a debt consolidation company. Consolidating debts with the help of a company gives you a debt consolidation attorney to look after your debt problems and provide a customized solution.

The process can be done in two ways. You can either get it done by yourself or with a debt consolidation company.

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(a) Consolidating your debts yourself

Here you take out a consolidation loan at a low interest to pay off your other debts. By making a single monthly payment you clear off all your other debts at once. Then you are left with a single low interest debt to repay.

(b) By a Debt Consolidation Company/Firm

Dealing with creditors alone is not a great option. It is better to get professional help to avoid any legal hassles.

But before giving out your details make sure the company is accredited with the Better Business Bureau (BBB). The company will analyze your financial state and suggest a program that will suit you the best.

A debt consolidation attorney handles your accounts and calculates how much you can pay each month based on your income and other obligations. The payment you make to the company each month is used to pay off your multiple creditors. The debt consolidation lawyer also notifies your creditors that you are represented and they should stop contacting you. The attorney does everything to make sure your finances get back on track.

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Which debts can be consolidated?

  1. Personal loans
  2. Credit cards expenses
  3. Medical expenses
  4. Loss of employment
  5. Private student loans
  6. Emergency travel allowances.
  7. Personal expenses
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Benefits of Debt Consolidation in Arizona

  • Get your interest rates reduced.
  • Make only one consolidated monthly payment
  • Can waive off all over limit fees and penalties.
  • Can end all collection calls
  • Restore your credit report.
  • Reduce tension and stress.
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Things you should remember while in a consolidation program?

  • Check if the company is listed with the Better Business Bureau (BBB).
  • Conducting a careful market study to decide on the company that's best for you.
  • Get information on Arizona's credit card laws.
  • Find a loan that will offer you the lowest interest rate.
  • Read the service agreement carefully before signing.
  • Avoid any defaults on your payments.
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How does Debt Consolidation in Arizona affect your Credit rating?

Debt consolidation is favored by many due to the positive impact it has on your credit scores. With multiple debt issues, debt consolidation works best!

When you enroll in a debt consolidation program, your credit score is already low. After you start making regular payments on your accounts, your credit score shoots up. It keeps on improving continuously, and after all your debts are paid off your credit score improves automatically.

The process can be sped up with the help of a debt consolidation attorney.

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Things to avoid while in an Arizona Consolidation Program

  1. Avoid closing down your accounts unnecessarily as this has a negative impact on your credit report. If you need to close down your accounts then close the most recent ones. Save the older ones as they are the major help in credit card repair.
  2. Do not take any new loans as they can get you into more debt.
  3. Stay away from any kind of balance transfers. You may end up paying more interest once the introductory rates have ended.
  4. Close down any credit accounts you don't use. The more accounts you include in the consolidation process, the more complicated it can get.
  5. Do not spend recklessly. If you do not have control over your spending habits then debt consolidation will not help. It is always better to have control over your spending when you opt for a debt consolidation program.

Related information

State Attorney General Phone Number: (602) 542-1610
Public Service Commission Phone Number: (602) 542-4251; Toll Free: (800) 222-7000

FTC Address:
Western Region Federal Trade Commission 901 Market Street, Suite 570 San Francisco, CA 94103 Western Region Federal Trade Commission 10877 Wilshire Blvd., Suite 700 Los Angeles, California 90024
FTC Toll Free:
877-FTC-HELP (382-4357)
FTC Website Url:
CFPB Toll Free:
CFPB E-mail:
CFPB Website Url:

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