See How Much Money We Can Save You!
Credit Counseling and Debt Consolidation in Oregon
Clients We’ve helped in Oregon
|A Portland, Oregon client saved an estimated $13,041.05|
|A Hines, Oregon client saved an estimated $3,729.53|
|A Brookings, Oregon client saved an estimated $4,440.06|
|A Medford, Oregon client saved an estimated $16,314.08|
|A Albany, Oregon client saved an estimated $11,806.40|
|A Hillsboro, Oregon client saved an estimated $21,005.68|
|A Springfield, Oregon client saved an estimated $4,254.31|
|A Portland, Oregon client saved an estimated $5,272.54|
|A Wilsonville, Oregon client saved an estimated $2,550.51|
|A Damascus, Oregon client saved an estimated $4,548.03|
We can help you get out of debt in Oregon. Call us at 1-800-589-1643 to find out how!
Take Charge of Your Financial Situation
Every year, debt afflicts millions of hard-working Americans. In a brutal economy in which jobs are elusive and wages are stagnant, these hard-working individuals use credit cards and personal loans to provide for their families. At CreditGUARD, we understand the uncertainty that these families face. If you’re experiencing similar debt issues, you may be looking to take charge of your finances and put your debts behind you. Let us help you eliminate your debt for good.
Eliminate the Stress of Debt through Oregon Credit Counseling
We can reduce your stress and help you pay down your debts quickly. For more than 20 years, our nonprofit credit counseling organization has provided debt relief services to thousands of grateful clients. We can do the same for you. We maintain a staff of dedicated credit counseling professionals committed to treating you with the respect. We can also provide you with information on minimizing harassment from your collection agencies and educate you about the federal laws that govern the debt collection industry.
We can also give you valuable debt reduction and budgeting advice. CreditGUARD’s Oregon credit counseling services include helpful budgeting plans and financial planning for the long-term.
Effective Oregon Debt Consolidation Solutions
CreditGUARD also provides effective debt consolidation services. Our friendly credit counselors can negotiate with your credit card issuers, bank lenders, and other unsecured creditors to reduce the interest rate on each of your outstanding debts. All types of unsecured debt are eligible for debt consolidation in Oregon. Unsecured debts include old medical bills, accident settlements, retail credit cards, personal loans, certain business debts, and consumer credit cards.
Our counselors consolidate your debt by merging all of these obligations into a single monthly payment at a reduced interest rate. Instead of making multiple payments each month, you’ll be responsible for just one simple monthly payment. With our help, you can become debt-free in just a few years.
Regardless of how much you owe to your creditors or how long it has been since you made your last payment, we can help you get out of debt. To learn more about debt consolidation in Oregan with CreditGUARD, call 1-800-589-1643 today or fill out the easy online form.
|Average Oregon persons per household||2.00|
|Average Oregon client age||49|
|Average Oregon client annual income||$27,667.65|
|Average Oregon client annual expenses||$24,268.81|
|Average Oregon client total debt||$11,115.23|
|Average Oregon client savings||$13,551.52|
An Oregon Client’s Story
A man from Roseburg, Oregon., Mr. W went through a divorce 3yrs ago since then he has had to purchase a new home, new car, etc and had to start over with every belonging he originally owned. His wife got everything in the divorce proceedings. Client also had to pay out a lump sum of $63,000 to his wife in the settlement – that was the client’s entire life savings, 401k, pension, and CD. Client is a self employed contractor and due to the housing economy he has lost over half of his clients – business is still slow and he is falling further behind, is already a month behind now on every credit card and next month will be 2 months. Client called at 1st telling me that he wanted to file bankruptcy and that he spoke with an attorney in regards to this as well. I explained to him in great detail the pros to our debt management program, credit, amt of interest saved etc and the negatives of a bankruptcy. His attorney told him it would ruin his credit for 7 years and he would lose all 3 of his cars and it will cost him $1500 up front plus a monthly installment – basically based on what I told him he was pleased with our DMP and has decided to move forward with a debt consolidation program with us.
Learn More about Our Debt Consolidation and Credit Counseling Services in:
From: Chapter 697 — Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers ORS 697.602 to 697.842
697.707 Required disclosures. (1) A debt management service provider may not charge or receive from a consumer a fee described in ORS 697.692 until after the debt management service provider makes the disclosures described in this section.
(2) A debt management service provider shall give to every consumer for whom the debt management service provider offers to perform a debt management service a document that:
(a) States the maximum amount the debt management service provider may charge the consumer for all debt management services that the debt management service provider will perform;
(b) States that the consumer is responsible for paying the debt management service provider’s charges;
(c) Warns the consumer that canceled debt may constitute income that is subject to state and federal taxation and advises the consumer to consult with a tax professional;
(d) Describes completely and in detail the debt management services that the debt management service provider will perform for the consumer and states the amount the consumer must pay for each service and for all services; and
(e) States that the consumer may bring an action against the bond required under ORS 697.642 and lists the name and address of the surety that issued the bond.
(3) A debt management service provider that performs a debt management service as defined in ORS 697.602 (2)(b) or described in ORS 697.612 (1)(b)(E), in the document required under subsection (2) of this section, shall:
(a) Describe, accurately and completely, the consumer’s right to review consumer credit information about the consumer that a consumer reporting agency, as defined in 15 U.S.C. 1681a, maintains; and
(b) State the approximate price that a consumer reporting agency will charge a consumer to review the consumer credit information described in paragraph (a) of this subsection and that the consumer may review the information at no charge if the consumer makes a request to the consumer reporting agency within 30 days after the consumer was denied credit.
(4) A debt management service provider that does not hold a consumer’s funds, directly or indirectly, shall include in the document required under subsection (2) of this section these additional statements:
(a) That the debt management service provider does not predict or guarantee specific results and cannot force or require a creditor to accept a specific settlement;
(b) That the debt management service provider does not make scheduled periodic payments to creditors;
(c) That creditors may continue collection efforts, including lawsuits;
(d) That the consumer’s failure to make monthly payments on outstanding debt will likely have a negative impact on the consumer’s credit score;
(e) That the consumer must make regular monthly deposits of funds in an account the consumer establishes and maintains in the consumer’s name with an insured institution, as defined in ORS 706.008, and designates specifically for making disbursements in connection with a debt management service; and
(f) That the debt management service provider will withdraw fees for debt management services from the account described in paragraph (e) of this subsection only with the consumer’s specific authorization and that the debt management service provider does not have custody, control or separate or additional access to the account.
(5) The document described in this section must provide a space for the consumer to sign the form under a statement that indicates that the consumer has read and understands the disclosures set forth in the document. [2005 c.309 §3; 2009 c.604 §11]
Oregon Residents: Registration #DM80062