Get a Debt Consolidation Loan in Athens GA
If you’re a Athens GA resident drowning in multiple debts, you’ve come to the right place. Using our patented SwiftWire™ technology we can have you approved quickly.
We don’t have hidden fees or hidden small print in our loan contracts, so you know exactly what your true APR (annual percentage rate) is up front.
Our team has been serving Clarke county customers for years now, and we’ve had countless satisfied customers approved in your area for debt consolidation loans – directly, securely, and quickly.
If you live in the Athens, Georgia area and need to get rid of your debt in a hurry, apply now and get this chapter in your life behind you. Never forget – these rough financial times are just temporary – you’ll get that debt cleared up, and be on your way to a brighter future.
Understanding Our Services
Transparent and fair cost structures with true APR.
Good Credit Rewarded
If you’ve been diligent in protecting your credit rating your interest rate will be lower.
No Hidden Fees
No small print fees, early payments, closing payments, or balloon payments.
Choose the best payment plan for your financial situation and income per month.
With our patented SwiftWire™ technology we can service your consolidation loan faster than the competition.
Superior Customer Service
No matter what your consolidation needs are, our team is there for you ASAP. You’re not alone anymore.
Bad Credit Welcome
Our system approves a high ratio of bad credit borrowers.
Understanding Georgia Lending Law
Georgia Usury Laws in brief: Legal: 6% Contract: Limit is calculated as per the median (avg.) twenty-six month United States T-Bill amounts times two. However, it can’t be lower than eighteen percent or over twenty-four percent. Judgment: calculated as per the fifty-two week T-Bill but never less than five percent or higher than twenty percent”
About Debt Consolidation in Athens GA
Help for Athens Georgia borrowers needing debt consolidation
If you’re a Athens-based borrower who needs to consolidate your debts, rest assured we at LDS fully understand the stress that debt can cause. That’s why we’ve spent the last decade fine tuning our lending process so we can can approve a high percentage of applicants quickly.
At Local Debt Services we pride ourselves on solving debt problems for customers just like you, no matter what you need to consolidate – overdue bills, vehicle loans, student loans, or high interest balances.
Bad credit borrowers are welcome
If you have a poor credit rating, or a VERY poor credit score, we can help. Our SwiftWire™ processing system was specially designed to procure debt consolidation financing for lenders in all credit score ranges. We can’t guarantee every borrower will be approved of course, but we have one of the highest approval rates in the United States.
If you’re losing sleep because of your debt and credit score, you’re not alone, even if it may feel that way sometimes. At LDS we’ve helped MANY Athens GA-based applicants with our unique lending service. Hang in there, and we’ll do our best to get your consolidation loan squared away post haste.
Debt consolidation and debt relief are different
Athens GA debtors need to understand the difference between a debt consolidation loan, and debt relief. If you don’t know the difference, we’ll explain it in very simple terms.
A DEBT CONSOLIDATION LOAN: is when you borrow a large sum of money to pay off multiple smaller loans. For example; someone living in Athens GA has a car loan and a student loan, and both loans have high interest due to their credit score at the time of borrowing. Now their credit score is much better. So they borrow enough money to pay off all their high interest debts in full, and they’re left with one lower interest payment.
DEBT RELIEF: is when the debtor negotiates with their creditors to pay back only a portion of their debt. They can try to do this on their own, or they can use a debt settlement firm to negotiate and set it all up for them. Of course, these providers will charge you a fee.
What kinds of debts can I pay with a consolidation loan?
This all depends on the regulations and/or laws that govern Athens and Clarke county, but the typical debts paid off with a debt consolidation loan are vehicle loan balances, overdue bills (utilities, cell phones, etc.), Visa balances, Mastercard balances, medical bills, department store credit card balances, and student loan balances.
What to do after your consolidation loan is approved
After you’ve been approved for your debt consolidation loan, it’s VERY important that you don’t fall into the “new debt trap”. Some of our customers make the mistake of getting their consolidation loan at their new lower interest rate, and start borrowing more money. This is something you must avoid if you want your financial situation to get better over time.
If you keep taking on more debt, you may end up like some of our other customers living and working in Athens GA – they end up taking on too much debt, and wind up entering into a debt relief scenario, or a full blown personal bankruptcy. Make sure when you get your consolidation approved, you learn to live within your budget. Oh…did we forget to encourage you to make a realistic budget? We hope you do.
From all of us at Local Debt Services, we send all our best to you out in Athens, Georgia, and we’ll do our best to get your consolidation approved in a timely manner.
Service Area for Debt Consolidation Loans in Athens GA
F.A.Q. for Athens GA Residents
Local Based Services
Directory of Athens-based services, specifically for those struggling with financial insolvency, unemployment, payday loan traps, loan shark traps, or sheer desperation. We understand you may feel more comfortable dealing with a provider with offices right in, or nearby Athens, Georgia.
Credit & Debt Counseling
In Athens GA
In Athens GA
Stress Management Help for Athens Area Debtors
Being in deep debt is highly stressful. If you’re having trouble dealing with stress, anxiety, or depression because of debt, consider reaching out to your local Athens area stress management professionals. They can help debtors understand they’re not alone and that it’s a temporary life situation.
Closing note and tip of the day for Athens Georgia debtors…
Our job at LDS is to find you a debt solution, and provide you with local Athens services. We would be remiss if we didn’t include the above offices for making appointments. One of the best things you can do when struggling with debt or money problems is get some professional, and unbiased advice.
We hope you consider reaching out to some of these Athens-based organizations so you can get your personal finances on track, keep your stress to a minimum, and make a solid financial plan for the future. We’ve included the local weather forecast so you can plan your appointments on the ideal day.
July 01, 2022 tip of the day for Athens-area visitors…
This tip on how to get out of debt is not commonly discussed in personal finance circles. It’s not for everyone, but it’s extremely powerful. In brief, it goes like this… Example… John and Sandra have a boat, and lake property for the summer. This is very expensive, due to all the costs involved (travel costs, fuel costs, entertaining costs, etc.). The main reason for this activity was to have a special place for family time. However, this dream was draining their savings and causing stress. The Big Reversal They started renting their property for most of the season, when it wasn’t being used anyway. They still had their family time each season as usual, but now they are now making money instead of spending money. Not only that! They created a small family business around their renting, so now ALL expenses related to their property are legitimate tax write offs. You can use the “Big Reversal” for many different activities or hobbies. Consider creative ways to make your hobbies (passions, activities) profitable instead of costly.
Overcoming Debt: Tip #1 – The Big Reversal
“STOP all unnecessary activities that cost money, and START activities the make money.”
This tip on how to get out of debt is not commonly discussed in personal finance circles. It’s not for everyone, but it’s extremely powerful. In brief, it goes like this…
John and Sandra have a boat, and lake property for the summer. This is very expensive, due to all the costs involved (travel costs, fuel costs, entertaining costs, etc.). The main reason for this activity was to have a special place for family time. However, this dream was draining their savings and causing stress.
The Big Reversal
They started renting their property for most of the season, when it wasn’t being used anyway. They still had their family time each season as usual, but now they are now making money instead of spending money. Not only that! They created a small family business around their renting, so now ALL expenses related to their property are legitimate tax write offs.
You can use the “Big Reversal” for many different activities or hobbies. Consider creative ways to make your hobbies (passions, activities) profitable instead of costly.
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Local Debt services
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P: (305) 239 5618
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