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Debt Consolidation in Washington

Are you a Washington resident knee deep in debt? Are your debts making your life difficult? Debt Consolidation in Washington may be the solution to your multiple debt problems. It helps restore your credit report and puts an end to collection calls.

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How do debt consolidation programs work in Washington?

In a Washington debt consolidation program, you take out a single loan to pay off your multiple creditors. This way you can avoid both the creditors and the hassle of handling numerous accounts.

Debt Consolidation in Washington can be done in the following ways:

1. Get a Debt Consolidation loan:

When you have multiple debts, consolidating them into a single loan is a great option. Here you take out a low interest loan to pay off your high interest debts and pay off your debts faster.

This way you resolve your multiple debts issues quickly and improve your credit report as well. As added advantage it saves you from further harassment and collection calls from creditors.

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2. Get help from a Debt Consolidation Company:

If you cannot manage your debt issues effectively, you may want to get professional help. Getting help from a debt consolidation attorney will help you sort out your finances efficiently.

In the first place you should look for a company affiliated with the Better Business Bureau (BBB). When you enroll in a debt consolidation program the company appoints a debt consolidation lawyer to work with you. The attorney helps you look for a loan you can afford and negotiates with your creditors.

You only need to make a single payment to the company each month, which the company divides it among your creditors. Moreover, debt consolidation with a company saves you from creditor harassment and abuse. Creditors are notified that they can no longer contact you once you are represented by a company or firm while you are in the debt consolidation program. Your debt consolidation attorney handles all creditor communications.

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Benefits of Debt Consolidation in Washington

If you want to be debt free without damaging your credit report, then debt consolidation might be the best choice. The benefits that you get with debt consolidation in Washington are:

  • You make a single monthly payment.
  • You get a low interest loan to pay your multiple creditors.
  • It helps remove all your extra payments and late fees.
  • All harassment calls and threats from creditors are ended.
  • Debts become manageable.
  • As you pay off your multiple debts you are left with just one payment and you reduce the time you need to pay off your debts.
  • Your credit report improves once your debts are paid off.
  • You can avoid the ill effects of bankruptcy.

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Loans eligible for Debt Consolidation in Washington

In Washington the debts that are eligible for consolidation are:

  1. Medical bills
  2. Student Loans
  3. Personal Loans
  4. Mortgage Loans
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How does Debt Consolidation in Washington affect your Credit Score?

Debt consolidation is one of the best debt relief programs to consider if you want to improve your credit report.

When you enroll in the program your scores are already poor due to your existing debts. After making regular payments on your debts in a Washington debt consolidation program, your scores improve.

If you are systematic in your approach to repaying your debts, you can change your exceptionally bad credit score to an exceptionally good one.

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Things to avoid while in a Washington consolidation program:

  1. Avoid closing down your accounts, especially the older ones. Older accounts help adding positive points to your credit report and act as a major factor in restoring your credit report.
  2. Avoid taking out any new debts, as that may add to your problems.
  3. Do not choose an expensive debt consolidation program.
  4. Stay away from companies who demand fees before they have looked into your situation.
  5. Avoid extending your debt accounts over a longer period of time.
  6. Do not try and consolidate your debts with a balance transfer, as it is the same as getting into more debt.
  7. Go through the documents provided by the company/firm before signing. Make sure there aren't any loopholes, and ask any questions you have before you sign.

Related information

State Attorney General Phone Number: 206-464-6684, 253-593-5243, 360-759-2100, 360-676-2037, 206-464-7744, 509-456-3123, 509-734-7285; Toll Free: 1-800-551-4636, 1-800-551-4636, 1-800-551-4636, 1-800-551-4636, 1-800-551-4636, 1-800-551-4636, 1-800-551-4636
Public Service Commission Phone Number: (360) 664-1160, (360) 753-6423

FTC Address:
Northwest Region Federal Trade Commission 915 Second Ave. Room 2896 Seattle, WA 98174
FTC Toll Free:
877-FTC-HELP (382-4357)
FTC Website Url:
CFPB Toll Free:
CFPB E-mail:
CFPB Website Url:

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