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Credit Counseling and Debt Consolidation in West Virginia
Clients We’ve helped in Virginia
|A Parson, West Virginia client saved an estimated $4,148.13|
|A New Martinsville, West Virginia client saved an estimated $71,009.22|
|A Culloden, West Virginia client saved an estimated $39,904.98|
|A Grafton, West Virginia client saved an estimated $1,946.46|
|A Clarksburg, West Virginia client saved an estimated $5,660.26|
|A Morgantown, West Virginia client saved an estimated $97,015.01|
|A Weston, West Virginia client saved an estimated $2,350.03|
|A Lewisburg, West Virginia client saved an estimated $16,180.19|
|A Elkview, West Virginia client saved an estimated $38,390.17|
|A Mineral Wells, West Virginia client saved an estimated $12,800.38|
We can help you get out of debt in West Virginia. Call us at 1-800-589-1643 to find out how!
CreditGUARD: Providing Quality West Virginia Credit Counseling
Debt can strike anyone at any given time. Even if you’re financially comfortable today, there’s always the possibility that an unforeseen circumstance could force you into debt. It never hurts to prepare for an uncertain future.
Fortunately, you don’t have to let debt control your life. Whether you’re struggling with mounting debts right now or wish to reduce your risk of accumulating debt later in life, we can help you strengthen your finances. Our nonprofit organization provides budgeting plans, savings tips, and credit-related advice. If you’re fending off collections agents, the friendly team of credit counselors can provide you with important information about your rights regarding debt collection. With CreditGUARD on your side, you’ll never have to face an uncertain financial future on your own.
West Virginia Debt Consolidation Solutions for Every Budget
Our credit counselors can also educate you about your debt consolidation options. No debt load is too big for the CreditGUARD team. Even if you owe tens of thousands of dollars in unsecured debts and haven’t made a payment in months, we will happily take your case.
Regardless of the size of your debt load, we offer workable debt management plans that can reduce your burden and make it easier for you to get out of debt. Using these plans, most CreditGUARD customers escape debt in just a few years without having to take out additional loans.
Make Debt Consolidation in West Virginia a Reality
CreditGUARD’s debt consolidation services are second to none. Our credit counselors can talk directly with your creditors and reduce the total interest rates on your debts. They’ll bundle these obligations into a single package that carries a reduced interest rate and requires just one easy-to-remember monthly payment. All of your unsecured debts, including your old medical bills and credit cards, are eligible for consolidation using this method.
Take control of your finances right now. Call CreditGUARD at 1-800-589-1643 to discover the benefits of debt consolidation in West Virginia.
West Virginia Statistics
|Average West Virginia persons per household||2.40|
|Average West Virginia client age||50|
|Average West Virginia client annual income||$27,980.00|
|Average West Virginia client annual expenses||$24,185.13|
|Average West Virginia client total debt||$12,362.38|
|Average West Virginia client savings||$16,002.51|
A West Virginia Client’s Story
JP is a young man that is working a part time job as well as functioning as a youth minister. Additionally he spends on snacks each week plus buys sporting goods for the church. He lost his medical insurance and then had some medical issues. He has been trying to pay off the medical bills but working a minimum wage job he is unable to do so. His other expenses include loans to family, as well as assisting them to pay their rent and buying groceries. He lives in West Virginia and his total debt is approximately $17,000. We were able to balance his budget and get him an affordable payment on his medical and credit card debt so he can continue to help his family and be debt free in 3 years and 7 months.
From: WEST VIRGINIA CODE
§61-10-23. Debt pooling; definition; offenses; penalty; jurisdiction; pleading and proof.
“Debt pooling” shall mean the rendering in any manner of advice or services of any and every kind in the establishment or operation of a plan pursuant to which a debtor would deposit or does deposit funds for the purpose of distributing such funds among his creditors. It shall be unlawful for any person to solicit in any manner a debt pooling. It shall further be unlawful for any person, except licensed attorneys, to make any charge for a debt pooling by way of fee, reimbursement of costs, or otherwise, in excess of an amount equal to two percent of the total amount of money actually deposited pursuant to a debt pooling: Provided, That any nonprofit firm, corporation or voluntary association may make an additional charge not exceeding five percent of the total amount of money actually deposited pursuant to a debt pooling, to defray costs of counseling services furnished for the benefit of its clientele of debtors generally with respect to personal money management. Any person, whether acting as agent or otherwise, who violates any provision of this section shall be guilty of a misdemeanor, and, upon conviction, shall be fined not less than one hundred nor more than two hundred fifty dollars or confined in jail not less than thirty nor more than sixty days or both. Justices of the peace and other competent courts shall have concurrent jurisdiction of offenses under this section. It shall not be necessary in any warrant issued or indictment returned under this section to allege exceptions or provisos contained in this section but in the trial of an offense subject thereto it shall be the duty of the state to negative such exceptions and provisos.