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Florida debt consolidation-Way out of debt in Miami and Jacksonville


Florida debt consolidation is the way to paying your bills faster and get better control of your debt problems in Florida. If you're having a tough time managing all your bills, you can take advantage of Florida consolidation program to help you get rid of the bills faster. Alternatively, you can take out a Florida consolidation loan and get rid of your bills with a single lump sum payment.

Which Florida debt consolidation option is best for you?

The best way to decide on the right option is to go for free counseling session with a Florida debt consolidation company. During the counseling session, you'll get an analysis of your current financial situation. This will help you choose the Florida consolidation option that's right for you.

When should you go for Florida consolidation program?

You should enroll in a Florida consolidation program if:


  • You can't keep up with your monthly bill payments at the current interest rates.
  • You're getting harassing calls from collection agencies at odd hours.
  • You're finding it hard to keep a track of your multiple bill payments.
  • You don't want to file for bankruptcy.

What are the types of Florida consolidation programs?

Depending on the type of bills you owe, there are various types of Florida consolidation programs offered. Check out the 3 major types of Florida consolidation programs:


  1. Credit card consolidation: There are Florida debt consolidation programs that can help you consolidate and merge all your credit card bills into a single monthly payment. These programs help you eliminate late fees or over-the-limit charges and make it easier to resolve your payment problems.

  2. Payday loan consolidation: These programs are meant for those who're looking to get rid of multiple payday loans (pdls). With this type of Florida consolidation program, you can replace multiple pdls with one affordable installment payable each month. Therefore, it relieves you from the stress of tracking multiple payments and dealing with several creditors.

  3. Bill consolidation: This type of program works well when it comes to consolidating your medical bills, utility bills, and credit/store card bills. All you have to do here is send in one easy payment each month to your Florida consolidation company, which will then distribute the payments to individual creditors.

What are the FAQ on Florida debt consolidation?

Q) I have 7 internet payday loans and 1 storefront loan. Can Florida consolidation programs help me out of pdl hell?
Ans: Yes, Florida consolidation programs can help resolve your payday loan problems. Find out more...


Q) A lender is harassing me for payments on a debt consolidation Miami loan. What should I do?
Ans: If the lender is harassing you because you can't make the payments, it's better for you to negotiate an alternative repayment plan. However, if the lender doesn't stop harassing you, file a complaint with your State's Attorney General. Learn more...


Q) I have defaulted on several internet payday loans. I've sent letters to revoke all debits, but these companies are still taking money from my account. Can a Miami consolidation company help me get rid of this problem?
Ans: A licensed pdl company can legally collect payments from your account if you give them authorization. But if you're having pdl problems, it is better to pay off those bills fast. You should get help from a debt consolidation Miami company to negotiate an affordable payment plan with the pdl companies. Find out more...


Q) A collection agency is harassing me for payday loan repayment. I can't afford to make these payments due to medical treatment. I am in Jacksonville.
Ans: Ask the collection agency to validate the amount they say you owe. If they can prove that you owe the money, get help from a debt consolidation Jacksonville company to negotiate lower rates on your payments. Learn more...


Q) I cannot afford to make my monthly bill payments. I'd like to settle my debt and reduce my outstanding balance. Do debt consolidation Miami companies help settle accounts?
Ans: Usually consolidation/settlement companies in Miami help settle accounts with creditors or collection agencies in addition to offering Miami consolidation programs. It depends on the policies of the company you're working with in order to get you out of your financial problems.


Q) Can a collection agency sue me for unpaid bills in Jacksonville?
Ans: Without validating and proving that you owe the debt, the collection agency cannot sue you. If it turns out that you owe money, try paying off the bills with a debt consolidation Jacksonville programs. Find out more...

Florida debt settlement - Are creditors willing to negotiate?

Creditors or collection agencies may allow you to settle your debts in Miami, Florida depending on the amount you owe. You can negotiate a settlement on your own or else approach a Miami debt settlement company to communicate with creditors or CAs and get your balance reduced.


Florida debt settlement programs are legal, but this doesn't mean that you can be charged excess upfront fees. Florida law sets a limit on the amount of upfront fees you can be charged. Once the Florida or Miami debt settlement company negotiates with your creditors, they'll charge around 25-35% of your settlement savings.


You'll find Florida debt consolidation programs being offered by several debt help companies operating in Miami, Jacksonville, or any other city in the state. Therefore, if you're having financial problems in Miami, Jacksonville, or any other city in Florida, you can enroll in a consolidation program and pay off your bills.


Recent active community discussions in Florida

  • florida pay day loan help By Unregistered on 3 Sep, 2013
    Any help would be appreciated. I need help please. Today I filed complaints with florida division of financial services as I was told by them that these lenders are illegal in florida: My silver safe.com, plain green loans, mobile loans, weste...
  • WesternSky/Cash Call in Florida By Scubus on 7 Aug, 2013
    I have read all of the threads I can find on Western Sky/Cash Call. I am having some trouble with the math - we have been paying for over a year, and I have sent extra and after a year the payoff is more than we borrowed! On a $2600 loan we hav...
  • Payday loan debt in Florida By Unregistered on 22 Jul, 2013
    I took out a loan from Castle Payday Loan for $450 with a interest of $157.50 which brings me to a total of $607 to pay back. They sent me an email after I got the loan stating that they would automatically take the payments of $157.50 out of my acco...
  • is Mobiloans legal to Florida residents? is it a CSO? By Unregistered on 18 Jul, 2013
    I have defaulted on a payday loan and I was wondering if the loan was legal to begin with. Florida's maximum loan amount is $500 and I borrowed $900. Of course, this happened before I read articles on this forum. I haven't paid anything so far, but m...
  • Need to get out of Payday Debt in Florida By Unregistered on 13 Jun, 2013
    Hello Everyone, I live in Florida, and I have gotten into a tight spot with five payday loans that I was in good standing with and have been using for years. I know I have paid well above the interest rates that are legal for my state for years, ...

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* Disclosures:
  • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
  • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.


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