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.

A credit card debt reduction 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 and negotiate 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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Amount of Debt:  *
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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 Wyoming

 

Loan modification guide in Wyoming

Are you unable to meet mortgage payment monthly? Want to get relief from the stress that you encounter while making mortgage payments? It is now available to home owners. Thanks to loan modification options that are available in Wyoming and avoid fears of foreclosure from your lender. Here is the guide for loan modification:

Loan modification? What is all about? It is basically a reforming your present mortgage loan in order to make you monthly payments more affordable to pay. Under this process, the terms and conditions that you and your lender agree will be modified permanently.

You can request your lender to restructure your mortgage to co-operate with you due to unfavourable financial condition. The objective behind modifying loan is to enable you to pay with minimum efforts. Usually, borrower and lender enter into loan modification agreement to lower the interest rates, stretch loan term or both. It is advisable to modify the loan because the cost of loan modification is lower than the cost of repayment for both the parties as the lender has to pay for legal proceeding when the borrower defaults and the borrower losses his home and at the same time affects his/her credit score. So, one must take action for modifying loan as soon as you feel that your mortgage is no longer affordable by you. It is because the sooner you act the easier will be to get the loan modification approval and prevent foreclosure on your home.

To start the loan modification process, first find the qualified financial advisor. Do not get trapped into loan modification scams. A non profit organizations approved by HUD will provide free counselling. As the number of loan modification application with lender is increasing during this housing industry crisis, many loan modification companies came up to help you. Although you can work yourself with your lender to modify loan directly but it is advisable to take help of any professional that is reliable to assist you and who know the legal procedure and manages it very well.

Found a reliable financial advisor? Then its time to discuss you current financial situation and choices that are available to you. Discussing the financial situation will help you in arriving at action plan. Find out if you will qualify for loan modification or not. Go through your lender loan modification guidelines before you apply for loan modification and know what the requirements to modify loan are.

If you qualify for the loan modification, then you have to compose loan modification hardship letter. Be careful when you are composing hardship letter because this is the letter that will deliver your financial hardship to your bank and why it is necessary for you to avoid foreclosure.

When composing financial hardship letter, you financial advisor will advise you to produce any necessary financial documents like bank statements, credit card statements, utility bills etc. for your lending bank to understand your hardship and prove it. If you or financial advisor is successful in convincing your lender then lender may agree to reduce your payments by reducing interest rate or increasing terms.

 
Available in the following Wyoming Cities:

( For cities available in other States click here )
Casper
Cheyenne
Cody
Gillette 		Jackson
Laramie
Rock Springs
Sheridan

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Wyoming Economy- Wyoming is the ninth largest in area and ranks 50th in population. States gets revenue from oil, natural gas, coal and uranium. Rising unemployment, falling real estate prices, credit markets crisis and a slowdown in the construction, manufacturing and retail sector would contribute to a cooling of the Wyoming economy. The unemployment rate remained flat at 3.2% in November and low when compared other states and national economy.