If you live in Florida and face serious debt problems, you’ve come to the right place. Read on to learn more about how you might be able to get a handle on your debts by obtaining a free Florida debt consolidation quote from a BBB-accredited debt relief provider.
The past few years haven’t been great for Florida’s economy. The state’s real estate industry was devastated by a housing bust that resulted in hundreds of thousands of foreclosures and forced many families out onto the streets.
To add insult to injury, the state was hit harder than most by the ensuing national recession. For a time, its unemployment rate exceeded 10 percent. Local shops and firms closed en masse or packed up and moved to more vibrant parts of the country.
Even as things slowly get back to normal across the Sunshine State, the local economy hasn’t yet recovered its former spunk. In-migration and tourism have tailed off, robbing low-tax Florida of a key source of revenue growth. Meanwhile, many construction companies have yet to resume hiring.
In this environment, it’s no wonder that thousands of Floridian consumers labor under heavy burdens of credit card debt.
If you’re one of these folks, there’s no sense in blaming yourself for your predicament. If anything, it’s the economy’s fault that you find yourself in your current situation. You can’t single-handedly control the business cycle or convince your boss to give you a raise.
However, you can seek a free Florida debt consolidation quote from a provider that has a strong record of helping struggling borrowers reduce their debts and live fuller, less stressful lives.
To be clear, there are plenty of ways to seek debt relief. On this site, we’ve discussed a number of debt-reduction strategies.
Some of these require little outside assistance. For instance, many credit card companies offer balance transfer “teaser rates” to new customers. If you can qualify for a new credit card or have an existing piece of plastic with a particularly low rate on balance transfers, you might be able to transfer some or all of the balance on a high-interest card to this new low-interest vehicle.
Of course, these low rates often expire after a few months. If you haven’t paid down a significant amount of your debts by this time, you could end up right back where you started.
If you decide that balance transfers or debt consolidation loans can’t solve your debt problems, sign up for a free Florida debt consolidation quote from a reputable business. Debt consolidation companies specialize in reducing the balances on unsecured debt facilities like credit cards, collections, medical bills and even some repossessions.
Signing up for a debt consolidation quote in Florida isn’t nearly as painful as obtaining a new loan or credit card. In fact, it might require just a minute or two of your time.
After you express interest in receiving a quote, you’ll be asked to provide your name, e-mail address and phone number. You won’t have to give out any credit card information or provide your Social Security number. You should avoid dealing with any outfits that ask for such personal information in exchange for a Florida debt consolidation quote.
You should also avoid dealing with companies that ask for large upfront payments in exchange for their services. Most reputable debt consolidation companies won’t charge you a dime until much later in the consolidation process. By that time, you’ll already know how much you stand to save.
If you decide to move ahead with your program of debt consolidation, you can count on the full support of a trustworthy business that has full accreditation from the Better Business Bureau and the endorsement of other important credit-relief organizations.
You can also expect to see significant reductions in your unsecured debt load over time. While traditional debt consolidation can’t reduce secured debts like mortgages or “special” debts like student loans or back taxes, it can make these obligations significantly easier to handle.
In fact, debt consolidation is regarded as an effective alternative to bankruptcy. Since many borrowers are forced to declare bankruptcy after struggling with a combination of student debts and credit card bills, this process could mean the difference between solvency and a decade-long post-bankruptcy struggle to regain a good credit rating.
Although there’s no way to gauge exactly how much you stand to save after obtaining your Florida debt consolidation quote, you’ll probably notice the difference. In the past, debt consolidation customers in Florida have reduced their balances by 20 to 50 percent in just a few short years.
Some have saved even more than this. The exact amount that you stand to save is dependent upon the whims of your creditors, the size of your existing balances, and the precise mix of your unsecured debts.
If you’re on the fence about the debt consolidation process, keep in mind that your Florida debt consolidation quote doesn’t cost a dime. It also won’t obligate you to sign up for a program that isn’t right for you.
At the same time, it could be your first milepost on the long road back to financial freedom. The choice is yours.