Consumer Credit Counseling Services

A reliable and efficient debt consolidation program may help you in taking the right step towards becoming debt-free.

If you feel you are overwhelmed with credit card debt, tired of harassing phone calls or just like the convenience of one monthly payment, a credit counseling program may help you.

Credit card consolidation and debt management program can help you financially by offering you a choice of solutions, custom tailored to fit your financial needs.

A credit counselor will speak to your creditors to: 

  • Stop any harassing creditor phone calls.

  • Reduce your monthly payments.

  • Consolidate all of your unsecured credit card debt into one simple monthly payment.  You may even be able to choose what day of the month it is due.

  • Reduce the number of years to pay off your debt dramatically.

Consumer Credit Counseling Specialists

Fill out the contact information below and a Credit Counselor will call you at your convenience

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* Credit card debt, unsecured loans, IRS debt, utility bill debt, and student loans. Do not include auto loans or mortgages. Describe your credit situation:

 

 

Financial Articles Related To Oklahoma

 

Foreclosure sale and eviction timeline in Oklahoma

If you are home owner, who is facing difficulty in keeping up with mortgage payments, then it is best to have knowledge about how the foreclosure proceeds and its time line before you suffer from the attack. By having the knowledge of the foreclosure process you will be able to look for other options that can help you in stopping foreclosure.

Rise of interest rate and unemployment has lead many home owners to default on mortgage payments. The actual foreclosure process begins with missed payment on the due date and it involves many steps.

Missed payments: typically mortgage payments are due on 1st of every month. If the home owner failed to pay amount by this date then it is treated as defaults and late fee is assessed after the 15th day of that month. In addition you may receive call from your lender after 15 days or from collection agencies. After one month past due date you may continually receive calls from lender until you respond to them.

Letter of notice: after 60 days past due date, home owner will receive default letter that your mortgage is in default and make it current to avoid any further consequences. In this case you will be asked to pay the outstanding amount in due to bring the mortgage current and most likely you will be charged with late fees.

Foreclosure filling: if you are unable to bring the loan current even after the efforts like loan modification, short sale etc. then the loan will be transferred to foreclosure department of the lender. The period with in which the mortgage is transferred to foreclosure department will depend on state laws. In Oklahoma the foreclosure filling period is 90 days past due date of missed payments. After 90 days of missed payments, a foreclosure lawyer from the lender will contact you and inform you about the foreclosure fillings.

From the day of foreclosure fillings you will have 20 days time to respond. Meanwhile you can try different ways to stop foreclosure. You may even receive call from different foreclosure rescue companies or counsellors, which you can utilize their services to stop the foreclosure. But make sure that you choose reliable company to assist you in stopping foreclosure.

At the same time the notice of foreclosure is recorded with county court with in which the property is located and sends to homeowner. The home owner is then given 90 days period from the date of filling to resolve the default.

Notice of sale: if the home owner does not resolves the default with in 90 days of record date of default then a notice of sale is recorded with court. The notice given states that the lender will sell the underlying property of the mortgage with in 21 days and is published in local county news papers for three consecutive weeks.

Auction: after 21 days of notice of sale recorded, the property is sold at foreclosure auction.

Eviction: once that property is sold at the foreclosure auction to the highest bidder then the owner has to evict the home with in 2 to 3 days after foreclosure date.

 
Available in the following Oklahoma Cities:

( For cities available in other States click here )
Ada
Edmond
Lawton
Norman 		Oklahoma City
Stillwater
Tahlequah
Tulsa

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Oklahoma Economy- Mark Snead, director of OSU's center for applied economic research said even if national job losses continue to mount for another year and oil and natural gas prices remain low, Oklahoma City likely would suffer only small job losses. Oklahoma City as the nation's most recession proof was "pretty prescient". The Oklahoma City unemployment rate is 4.6% lowest among 49 metropolitan areas with 1 million residents. On the down side the areas housing market has slowed while unemployment has grown and the energy sector retrenched. Oklahoma's manufacturing sector remains weak. Oklahoma City should experience no job losses this year, a larger risk exist for job losses in 2010. However, if its energy prices rebound even a small amount the state is poised to start "humming again"