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Arizona debt consolidation - Pay back debts at low rates in Phoenix


Are you looking forward to a debt-free life in Arizona? If you're overburdened with multiple bills and tired of harassing collection calls, Arizona debt consolidation programs can help you get over the crisis and eliminate your debt problems.

How Arizona consolidation options work

Arizona debt consolidation options are usually available as consolidation or debt management programs and consolidation loans.


  1. Consolidation program: When you enroll in an Arizona debt consolidation program, a representative at the consolidation company negotiates on your behalf with your creditors or collection agencies. Negotiation helps lower your interest rates and reduce or eliminate late fees and penalty charges.
  2. Consolidation loan: If you want to repay your bills with a single lump sum payment, a consolidation loan can serve your purpose better. But you need to have a good credit history in order to qualify for an Arizona consolidation loan.

How to benefit from Arizona debt consolidation options

With Arizona consolidation programs, you get the following benefits:

  1. Pay off bills at negotiable rates: A consolidation program helps you to pay off your bills at negotiable interest rates to make your monthly payments easily manageable.
  2. Consolidated monthly payment: Arizona consolidation programs merge all your bills into one affordable payment. You send your payments to the consolidation company, which then divides it among your creditors. All you need is a budget that will allow you to make the payments in addition to your other expenses.
  3. Stop collection calls: Because you're paying down your bills, the collection agencies will stop their harassing calls. If the collection agency does call, the consolidation company will be there to help.

For further details on the benefits of Arizona debt consolidation programs, check out this page on the 8 benefits of consolidation.


With Arizona consolidation loans, you can:

  • Repay bills with a big payment, but you need to pay off the loan as well.
  • Eliminate the stress of having to pay bills with variable interest rates.

To learn more about the benefits, take a look at this page on unsecured consolidation loans.

Debt consolidation in Phoenix and Tucson

Consolidation programs in Phoenix and Tucson are the same as any other Arizona debt consolidation program. However, the fees required by a program will vary from one company to another. If you don't know about these programs and you aren't sure how to deal with creditors and collection agencies, check out these FAQ on Arizona consolidation.

FAQ on Arizona debt consolidation

Q) I haven't been able to pay off my credit card bills. This has ruined my credit score. What should I do? I'm in Arizona.
Ans: You can get help from an Arizona debt consolidation program where you can obtain low interest rates on your credit card bills, thereby making your repayment easier. Learn more...


Q) I'm having problems paying off my payday loans. I think the lenders have already charged more than I should pay. Can anyone suggest a Tucson consolidation company that can get me out of this hell? Also, I'd like to know about pdl laws in Arizona.
Ans: There are several Tucson consolidation companies that deal with payday loan issues. You need to select the right one for you. To get the details on pdl laws, visit the US payday loan laws page and select your state name.


Q) I've taken out too many credit cards and loans. It's getting tough to make payments. Can Phoenix consolidation companies get me out of this mess?
Ans: Yes, Phoenix consolidation companies can help you out of this crisis. These companies offer programs where you can consolidate your bills and repay them fast. Learn more...


Q) My husband received a letter from Bass and Associates, Tucson. I'm not sure if they're a collection agency. How do we deal with them?
Ans: As far as I know, Bass and Associates is a collection agency located in Tuscon, AZ. The best way to deal with them is to ask them to validate the debt. If they validate the debt, you owe the money and you need to pay it off.

If you have other credit accounts, you can consolidate them into one low monthly payment. A Tucson consolidation company can negotiate with your creditors and help you to get low interest rates. Find out more...


Q) A collection agency has recently threatened to sue me. They claim I owe money on an old account. I was wondering if I'd need a Tucson consolidation company to work out a deal with them and whether I should pay the bill if the SOL has expired?
Ans: If it's an old account and the SOL has expired, it is better to not pay on the debt. Otherwise, the Statute of Limitations may restart if you default again. Check out Arizona's SOL from the Statute of Limitations page.

Arizona debt settlement - Alternative to consolidation

If you've been laid off from a job or you don't have a steady source of income in Phoenix, Arizona, you should try an Arizona or Phoenix debt settlement program. Under this program, you reduce your outstanding balance through negotiation with your creditors. The negotiations are done by an Arizona debt settlement company.


An Arizona or Phoenix debt settlement company can work with collection agencies as well as your creditors to reduce the balance on your collection accounts. With settlement, you can avoid suits by your creditors, and avoid collection agencies' unethical practices.


However, if you don't wish to spend money to get professional help, you may negotiate a settlement on your own. Use one of these sample settlement letters to communicate with your creditors or collection agencies.


If you're struggling to tackle several bills simultaneously, Arizona debt settlement or consolidation programs may the solutions you are looking for to get rid of your debts.


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