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Credit Counseling and Debt Consolidation in Rhode Island
Clients We’ve helped in Rhode IslandNo Rows Returned for SQL select TOP 10 city, savings from client_savings_demographics where state = 'ri' and savings > 100 ORDER BY NEWID()
We can help you get out of debt in Rhode Island. Call us at 1-800-589-1643 to find out how!
Stabilize Your Life with Rhode Island Credit Counseling
Debt has no prejudices, and can happen to even the most conscientious. CreditGUARD of America, Inc. understands the obstacles facing families in debt, which is why we’ve been helping people get out of debt for over 20 years. No matter what type of debt you have or how much you owe, our Rhode Island credit counseling services will help you step out of debt and onto level ground. Life won’t seem too rocky anymore, and you’ll be on the road to financial stability.
The Debt-Free Path at Rhode Island Debt Consolidation
We all walk a different path. In the same way, the path to a debt-free life is unique to each individual. Whether the answer to your financial problems is debt consolidation, better budgeting, a home equity loan or bankruptcy, our counselors will guide you on the right path. We will review your unique circumstances, including personal income, household expenses and personal loans, and design a program to suit your specific needs. With our Rhode Island debt consolidation program, all of your unsecured debt can be lumped into one easy payment. Our experienced counselors will work closely with your creditors to agree to a lower interest rate and to void any penalizing fees.
We understand that harassing creditors can cause a lot of stress. We’ll provide you with the educational resources to learn all about fair debt collection practices. Knowing the credit laws will enable you to enforce your personal rights and protect yourself from creditor harassment.
Trustworthy Guidance at Debt Consolidation in Rhode Island
You can trust our counselors to treat you with respect. We are truly committed to your wellbeing and are pleased to help you get out of debt. If you’d like to know more, contact us at 1-800-589-1643. Remember, no matter how much debt you’ve accumulated, we’ve got an effective plan. Help is just a phone call away.
Rhode Island Statistics
A Rhode Island Client’s Story
A client I was able to help lives in Cranston, Rhode Island was needing assistance in getting her cards paid off sooner than at the rate she was going now. She was working part time living at home and had promotional rates on her cards for a year, which just ended. Now her monthly payments were double than what she was paying before and was going to fall behind. She owed $18,000 in credit cards and we were able to get her a low payment that she can afford that saved her $30,000 in interest and had her paid off within 5years. She was happy we were able to help and get her a large savings in interest and time.
From: CHAPTER 19-14.8-13 Uniform Debt-Management Services Act
§ 19-14.8-13 Bond required. – (a) Except as otherwise provided in § 19-14.8-14, a provider that is required to be registered under this chapter shall file a surety bond with the director, which must:
(1) Be in effect during the period of registration and for two (2) years after the provider ceases providing debt-management services to individuals in this state; and
(2) Run to this state for the benefit of this state and of individuals who reside in this state when they agree to receive debt-management services from the provider, as their interests may appear.
(b) Subject to adjustment of the dollar amount pursuant to subsection 19-14.8-32(f), a surety bond filed pursuant to subsection (a) must:
(1) Be in the amount of fifty thousand dollars ($50,000) or other larger or smaller amount that the director determines is warranted by the financial condition and business experience of the provider, the history of the provider in performing debt-management services, the risk to individuals, and any other factor the director considers appropriate;
(2) Be issued by a bonding, surety, or insurance company authorized to do business in this state and rated at least “A” by a nationally recognized rating organization; and
(3) Have payment conditioned upon noncompliance of the provider or its agent with this chapter.