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CreditGUARD of America

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Credit Counseling and Debt Consolidation in New Jersey

Clients We’ve helped in New Jersey

A Pennsauken, New Jersey client saved an estimated $22,159.82
A Hawthorne, New Jersey client saved an estimated $16,142.02
A Neptune, New Jersey client saved an estimated $31,876.26
A Sussex, New Jersey client saved an estimated $973.19
A Mount Royal, New Jersey client saved an estimated $29,364.71
A Elizabeth, New Jersey client saved an estimated $36,732.09
A Old Bridge, New Jersey client saved an estimated $134,800.95
A Belleville, New Jersey client saved an estimated $28,043.02
A Verona, New Jersey client saved an estimated $24,016.37
A Parlin, New Jersey client saved an estimated $10,331.13

 

We can help you get out of debt in New Jersey. Call us at 1-800-589-1643 to find out how!

map of New Jersey

Debt Consolidation in New Jersey: The Way Out of Debt

Consolidating your debts into one easy payment with CreditGUARD of America, Inc. is the first step to achieving freedom from your financial woes. Debt consolidation is an effective strategy for many reasons:

  • Smaller debt load – CreditGUARD will lower your interest rate so that your payments are more manageable. With us, there’s no more being set up to fail.
  • One easy payment – Having too many creditor accounts is stressful. With debt consolidation from CreditGUARD, you put all of your debts into one easily manageable account. No more accidentally forgetting about one of your loans or credit lines!
  • Service professionals on your side – When you consolidate your payments through CreditGUARD, you no longer have to worry about receiving harassing collection calls. Our compassionate debt counselors are on your side and encourage you to succeed in taking care of your financial issues once and for all.

New Jersey Credit Counseling: The Tools You Need to Stay Financially Secure

In addition to making your debt more manageable through New Jersey debt consolidation services, CreditGUARD provides credit counseling services. This service provides the knowledge and resources you need to stay out of debt. Our expert credit counselors will help you devise a budget, oversee your finances, and develop a long-term plan to ensure you and your family’s financial stability for many years to come.

Eliminate the Stress in Your Life with New Jersey Debt Consolidation

Often times, debt is unavoidable. Whether you face layoffs, a costly medical bill or an expanding family, outstanding debts can slowly arise. At CreditGUARD, we understand that families struggling to pay off their debts need assistance, which is why we offer New Jersey credit counseling and debt consolidation services. Through our tools and advice, you can finally achieve financial freedom. For more information, give us a call at 1-800-589-1643 today!

New Jersey Statistics

Average New Jersey persons per household2.00
Average New Jersey client age47
Average New Jersey client annual income$39,173.87
Average New Jersey client annual expenses$34,526.35
Average New Jersey client total debt$17,012.18
Average New Jersey client savings$21,547.76

 

Real Stories of New Jersey Clients

Client is from Atlantic City New Jersey and has a total debt of $5,500.00. The client and his wife both lost their jobs and he is the only one getting unemployment. With our program his monthly payment will decrease by $98.00, the interest savings will be $15,478.24 and the length of time in paying the account off will decrease by 42 years and 3 months.

A client who resides in Beachwood New Jersey called and said she had a loss of a job for 2 months now, was working again, but less $20,000 a year. The client called in very worried she may never catch up, or pay off the debt. After completing the debt to income and reviewing the creditor information, we were able to get an approval and get her started in the debt management program. With a new monthly payment of $343 savings of $154 a month, the client was very happy to know she will not only have a lower payment but also debt free in 5 years and 6 months, with a total debt of $16,319 and savings of $19,892.

A woman from Lakewood, New Jersey with total debt $14,000.00 has cancer and is in remission for 4 yrs. She got behind due to this medical issue and sees no way to get out of this debt without some kind of help. She and her husband had a business for 14 years, which was recently closed and they had to start up a new company this past year. They are “robbing Peter to pay Paul” and she said they just can’t keep up the way they are. She said she desperately needs help and was so happy that she found out about our company. They will save over $17,000.00 in interest on their credit card debt.

A client with a total debt of $69,755.00 from Matawan, New Jersey has 10 past due credit cards. We were able to decrease the monthly payment by $296.00, reduce the interest amount by 117,096.95, and reduce the length of time paying the account off by 45 years and 10 months.

A client called from New Brunswick, New Jersey. She was about to file for bankruptcy and she was not aware that a program like this was available. She is an elderly woman who lives on social security and recently her car broke down which cost her thousands of dollars to fix. She used her credit cards in order to afford the repairs and that put her in debt for about $6,700. After carefully reviewing her budget, I was able to qualify her for our debt management program so she can get out of debt in about 5yrs instead of 47yrs and in turn, she will save over $17,000 in interest. She joined today so we can get started right away on becoming debt free.

AJ from Vineland, New Jersey has a little over $3000 in credit card debt. He just separated from his girl friend and has four kids to take care of. He co-signed on a vehicle for her and is now left with the car payment. Because he has lost a household income, he is looking for a lower monthly payment. We were able to assist him with a debt management plan with Creditguard of America.

From: NJ Debt Adjustment and Credit Counseling ACT, NJSA

Statute 3:25-1.2 Fees charged by licensed non profit social service and nonprofit consumer credit counseling agencies

(a) A licensee may charge a fee to cover the cost of providing debt adjustment and credit counseling

1. The fee for debt adjustment shall not exceed one percent of the gross monthly income of the client but in no case more than $25 in any one month. This fee may be waived at the discretion of the licensee.

 

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