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CreditGUARD of America

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Credit Counseling and Debt Consolidation in Minnesota

Clients We’ve helped in Minnesota

A Milaca, Minnesota client saved an estimated $10,827.65
A Sauk Rapids, Minnesota client saved an estimated $9,334.83
A Minneapolis, Minnesota client saved an estimated $6,049.01
A Saint Paul, Minnesota client saved an estimated $25,300.67
A Burnsville, Minnesota client saved an estimated $15,406.44
A Saint Paul, Minnesota client saved an estimated $9,007.74
A Maple Grove, Minnesota client saved an estimated $18,164.69
A South St Paul, Minnesota client saved an estimated $14,963.50
A Jordan, Minnesota client saved an estimated $9,455.44
A Fergus Falls, Minnesota client saved an estimated $52,761.37

 

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

map of Minnesota

 

Peace of Mind Can Be Yours with Debt Consolidation in Minnesota

Fix your debt problems today by consolidating all of your unsecured debts into one single payment with CreditGUARD of America, Inc. Not only will this make debt simpler to manage and pay off, but because your interest rate may be reduced you’ll see significant savings in the long run.

In addition to debt consolidation services, CreditGUARD provides counseling to individuals whether they are enrolled in its program or not. We believe in working directly with people to make sure that they can succeed, which is why we won’t give you a debt payment that you won’t be able to pay off.

To ensure that you will succeed, our credit counselors will go over your budget and spending history line by line. They will talk you through the fundamentals of good money management and help you build a financial plan that will get you through the time it takes to pay down your debt. Through it all, they’ll provide psychological support and quality, practical advice to balance a busy life, family, personal goals, and finances.

What Role Does Minnesota Debt Consolidation Play?

At CreditGUARD, we believe in building your financial skills as well as offering you a hand in getting rid of debt. By consolidating your debt, you get a fighting chance at paying it off for good. You will still have to do the work of paying it down, but it will be much more manageable.

Get Out Of Debt Today

Sometimes, debt just happens. You may have had a mortgage crisis. You may have gotten into an accident and incurred medical bills. You may have lost your job due to the poor economy. With Minnesota credit counseling, Minnesota debt consolidation, we can provide debt relief no matter your credit or situation. Contact us today at 1-800-589-1643 for more information.

 

Minnesota Statistics

Average Minnesota persons per household2.00
Average Minnesota client age44
Average Minnesota client annual income$33,363.14
Average Minnesota client annual expenses$28,580.20
Average Minnesota client total debt$15,559.92
Average Minnesota client savings$20,500.01

 

Real Stories of Minnesota Clients

A hard working construction worker from Minnesota purchased a home, a fixer-upper, for his family just before the recession hit. He used credit cards to pay for needed repairs but started to fall behind when he lost his job. He accumulated more than ten thousand dollars in credit card debt and struggled to make minimum payments. With annual percentage rates on three cards at twenty percent and higher, he saw no way out of debt without help. After reviewing his income and expenses, I devised a budget and a debt management plan that would help the client become debt free in just four years and six months with monthly payments thirty percent less that he had been making. His new interest rates were lowered to 6.99 percent (from 24%) 9.99 percent (from 20%), and 0 (from 22%). The client thanked me profusely and referred several friends and family members to CreditGuard of America.

TL from Ham Lake, Minnesota had some extra expenses that came up and he fell behind on his credit card bills. His credit card debt is over $17,000 and they are now with collections agencies. He works for 100% commission and his income varies monthly. This client is overwhelmed in debt and he needs help to get out of it. However, his wife works on a salary but when you have young kids in the household plus kids in college it is hard to make ends meet. This man originally called 6 months ago and we did not help because he procrastinated. Now he is deeper in debt and we were able to approve him for the debt management program and we are helping him get out of debt in 2 years and 11 months instead of 23 years and 7 months.

A client who lives in Melrose Minnesota contacted our office needing help with her credit cards which have gotten behind due to a death in her family and her son having been in the hospital and she had to take time off work which caused a decrease in her income. The amount of debt the client has is $8618.00 this being 6 credit cards which she is behind with. I was able to get the client approved for our program, lowered the monthly payment amount, also saved the client $848.01 in interest and decreased the time length of time in paying the accounts off by 21 years and 9 months. The client will have it all paid off in 4 years and 1 month. The client was very pleased with what we were able to do for her, especially helping her get her credit under control and straightened out.

This call was from Ramsay, Minnesota. Her total debt was $50,600 and her payment was reduced from a total of $1237 to $1069. She has so much debt. Her child support is being reduced this month and she also had a reduced income at work and is struggling. She wants to cut interest and get out of debt in a shorter amount of time. In hindsight, she feels she made a big mistake taking on so much debt and feels that our program will help her. She said she wouldn’t be able to do it on her own without our program.

From: MINNESOTA STATUTES CHAPTER 332A DEBT MANAGEMENT SERVICES

332A.11 RIGHT TO CANCEL.

Subdivision 1. Debtor’s right to cancel. A debtor has the right to cancel the debt management services agreement without cause at any time upon ten days’ written notice to the debt management services provider. In the event of cancellation, the debt management services provider must, within ten days of the cancellation, notify the debtor’s creditors of the cancellation and provide a refund of all unexpended funds paid by or for the debtor to the debt management services provider.

Subd. 2. Notice of debtor’s right to cancel. A debt management services agreement must contain, on its face, in an easily readable type immediately adjacent to the space for signature by the debtor, the following notice: “Right To Cancel: You have the right to cancel this contract at any time on ten days’ written notice.”

Subd. 3. Automatic termination. Upon the payment of all listed debts and fees, the debt management services agreement must automatically terminate, and all unexpended funds paid by or for the debtor to the debt management services provider must be immediately returned to the debtor.

Subd. 4. Debt management services provider’s right to cancel. A debt management services provider may cancel a debt management services agreement with good cause upon 30 days’ written notice to the debtor. Within ten days after the cancellation, the debt management services provider must: (1) notify the debtor’s creditors of the cancellation; and (2) return to the debtor all unexpended funds paid by or for the debtor.

 

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