Cumberland IN Debt Consolidation Services
You can apply for debt consolidation here, or use any of the local Cumberland IN services we have gathered for you. Remember that debt consolidation and debt relief are completely different, which is explained in more detail below.
Our application process is extremely simple. Just enter your zip code, and estimated credit score to start. After that our patented SwiftWire™ platform will guide you through the easy process of applying for your debt consolidation loan, or debt relief program.
You can also use the same form to estimate your APR (interest rate). This one-of-a-kind application uses survey data from other borrowers and debtors in your zip code, in the Marion county area, or in the Cumberland IN area. Once you know your estimated APR you can enter it into our interactive debt consolidation calculator. You will instantly be provided with an estimated monthly payment, interest, and principal schedule.
After applying here @ LDS, our SwiftWire™ platform will process and route your application directly, securely, and quickly.
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.
Current Indiana Usury Law
Debt Solutions in Cumberland and the Marion County Area
A debt consolidation solution
Cumberland-based debtors can use our patented SwiftWire™ process to consolidate high interest loans, credit card balances, department store card balances, car loan balances, gas cards, cell phone bills, and any other high interest balances they may have. Please keep in mind that a consolidation loan is nothing like a debt relief solution.
Budget after consolidation loan approval
Once you are approved for your debt consolidation loan it’s time to watch all your expenses closely with a detailed and forthright budget. We’ve included a free budget planning template so you can do just that. Make sure you’re accurate with every expense so you can see your true debt-to-income ratio. This is an important part of the “financial healing” process, so that you don’t fall into even more debt in the near future.
It’s a very common problem with newly approved customers. At first they’re thrilled to see all their debts paid off, and they’re even happier to have the collection calls stop. But then they soon relax their budget strings and start over using their credit cards again.
A debt relief solution
A debt relief solution may be your best bet if your local Cumberland-based banks and credit unions, or your Marion county area banks and credit unions have declined your requests for a consolidation loan. A debt relief plan is when you negotiate to pay back a fraction of your debt(s). You can use our easy app – after entering your zip code you will be instantly given options for a reliable debt relief provider in your area.
Will you approve applicants with bad credit?
You can be approved for debt consolidation with a bad credit rating. If the loan officer sees your debt-to-income ratio (monthly income/total expenses) is manageable, and your income sources are well established, you can certainly be approved. Keep in mind that your final true APR (interest rate) will be higher than a good credit borrower.
This can be a fresh start for you. This may be a way for you to greatly improve your credit rating. Going forward you can change your spending habits to make sure your debt-to-income ratio is healthy. This issue with debt could be something you never have to deal with again.
How will my bad credit score affect cost?
If you have a poor credit rating, with a low FICO score (credit score) your true APR (annual percentage rate) will naturally be higher than those borrowers with higher credit scores. However, this is only in regards to a debt consolidation loan. If you would like to get an instant no obligation estimate of your cost without any formal communication, simply use our free APR estimator to get your estimated interest rate and enter that into our interactive consolidation calculator.
For a debt relief service, your credit score doesn’t come into play. However, your credit score can be affected when using a debt relief option. We recommend trying for a debt consolidation loan first, either with our application form, or with your local Cumberland-based lenders.
About our Cumberland IN service listings
Below we have local Cumberland IN services resources. These include financial planners, debt and credit counselors, social assistance offices and locations, income upgrade opportunities, and stress management providers who serve the Marion County area.
With our debt services app now at your disposal, and your local Cumberland-based providers, we’re confident you will get your debt issues sorted out soon. Don’t forget to bookmark this page for later reference.
Service Area for Debt Consolidation Loans in Cumberland IN
F.A.Q. for Cumberland IN Residents
Local Based Services
Directory of Cumberland-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 Cumberland, Indiana.
Credit & Debt Counseling
In Cumberland IN
In Cumberland IN
Stress Management Help for Cumberland 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 Cumberland 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 Cumberland Indiana debtors…
Our job at LDS is to find you a debt solution, and provide you with local Cumberland 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 Cumberland-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.
October 04, 2022 tip of the day for Cumberland-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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