Debt Relief Programs | How To Get Out of Debt Piedmont AL 36272

Need Debt Relief or Forgiveness in Piedmont Alabama?

Let Us Help You Get Out Of Debt in Piedmont ALAre you looking for help with credit card debt relief in Piedmont AL?  More and more consumers in this economy are finding that they are in need of some form of Credit Repair or Debt SettlementWith mounting high interest credit card debt on top of a home mortgage, one or two car loans, installment loans and perhaps even a student loan, the total payments can be overwhelming. If you find yourself in a similar situation, you have probably come to this website because getting out of debt is your number one priority.  You may have considered a debt consolidation loan, but don’t really want to apply for any more loans.  Besides, you are not sure if you would even qualify at this point due to your high credit balances and low credit score.  You may have even considered bankruptcy so that you can get a clean start, even though it may impact your credit rating for years to come.  So before you take any drastic actions that could put you further in debt or destroy your credit, let’s look at some debt relief and forgiveness options

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Debt Relief and Forgiveness Options

If paying off debt or debt forgiveness is important to your financial health, you are probably aware that there are several options available to you in Piedmont AL.  They include:

  • Credit Repair
  • Debt Consolidation
  • Debt Settlement
  • Debt Management
  • Credit Counseling
  • Student Loan Forgiveness
  • Bankruptcy

Let’s take a closer look at some of the ways that you can get out of debt and how each solution can help you achieve your goal of being debt free.

Credit Repair

credit cards Piedmont ALCredit repair is the process of fixing or removing items on a bad credit report.  It could be as simple as rectifying mistakes with one or all of the credit bureaus.  It may also involve Identity theft, which can require extensive credit repair work. The second form of credit repair is to deal with fundamental financial issues, such as budgeting, and begin to address legitimate concerns on the part of lenders.  In some cases, credit repair may require legal as well as financial expertise. Depending on the extent of the problem, it may require simply cleaning up misunderstandings, while in other cases professional intervention is needed.

Debt Consolidation

As we have discussed, debt consolidation loans are probably one of the first solutions that Piedmont AL consumers saddled with high interest debt consider to pay off their financial obligations.  The biggest drawback is that they are not always easy to qualify for, especially if you are already having financial issues. The concept of consolidation loans is that you pay off all of your high interest credit cards and installment loans with one lower interest loan that reduces your overall monthly payments.  It is often advisable with these types of loans to close out all of the high interest credit cards so that they are not charged up again on top of the consolidation loan.  This option is often best used in conjunction with some form of credit counseling so as not to make matters worse by continuing to incur high interest debt.

Debt Settlement

Debt Settlement has become very popular in Piedmont AL as a means of debt elimination instead of consolidation.  It provides debt relief by reducing the total amount owed to each creditor, thus making the debt much easier to pay off.  Companies that specialize in debt settlement programs negotiate on the consumer’s behalf with creditors to reduce the balances due and set up a payment schedule that will eliminate the total debt within a set amount of time.  This allows the debt to be paid off faster and with more affordable monthly payments.  The advantage to creditors is that they will receive at least a portion of the debt owed without having to hire debt collectors or pursue the debt through the judicial system.  Often they may receive nothing at all if the debtor files bankruptcy.  If you would like to see how much you can save with a Debt Settlement Program, click the banner above.

Debt Management and Credit Counseling

“Debt management and credit counseling” are debt relief strategies that analyze your current financial picture and educate you on how to better manage your debt.  Counselors will make suggestions regarding budgeting money and consumer behavior so that you can make wiser choices when incurring debt.  They will also create a payment plan that you can afford, often incorporating other debt relief options such as consolidation, debt settlement and reducing interest rates on credit.

Bankruptcy

bankrupt Piedmont ALBankruptcy is the last option that should be considered, and only when no other debt relief option is a workable solution.  Bankruptcy can provide a “clean slate” so to speak financially, but not without consequences.  The worst is that it can impact your credit for the long term, although options for re-establishing your credit will vary from lender to lender.  And not all debt may be forgiven, so be sure to consult a reputable Piedmont AL bankruptcy attorney to find out what is forgivable debt should you choose this option.

Looking for Debt Relief in Piedmont Alabama?

Finding the right debt relief program is important if you want to get out of debt and remain debt free.  If you live in the Piedmont AL area, here is a little bit of background information about your hometown that may be helpful.

Piedmont, Alabama

Piedmont is a city in Calhoun and Cherokee counties in the U.S. state of Alabama. The population was 4,878 at the 2010 census.[3] It is included in the Anniston-Oxford, Alabama Metropolitan Statistical Area. The city is approximately one hour and fifteen minutes West of Atlanta, one and a half hours North East of Birmingham, twenty minutes North of Anniston, Alabama and twenty five minutes east of Gadsden, Alabama. The campus of Jacksonville State University in Jacksonville, Alabama is approximately ten miles South of Piedmont. The city is nestled in the foothills of the Appalachian Mountain chain and is surrounded by mountains on the city's southern and eastern sides. The area is home to Duggar Mountain, which is Alabama's second highest point, only trailing Mt. Cheaha by a small margin. Piedmont is a popular tourist destination for outdoor enthusiasts due to its close proximity to many nearby hiking trails, streams and rivers, mountains, the Duggar Mountain Wilderness, the Talladega National Forret and Coleman Lake. Weiss Lake is fourteen miles North of Piedmont and is known as "The Crappie Capital of the World." Piedmont is home to Terrapin Creek, which is a popular destination for kayaking, canoing, camping, swimming and fishing. Piedmont is also home to the Chief Ladiga Trail, which is a paved trail utilized for walking, jogging and bicycling. The trail runs through downtown Piedmont and runs all the way to Atlanta to the East and to Anniston, Alabama to the South and West. The city's school system is an award winning and nationally recognised education system. The school system has state of the art facilities, including artificial turf on the football field and an indoor practice facility for the football team, which is also utilized as a community storm shelter. The school systems sports teams have won state championships in football, track and field and wrestling and have won numerous area/region championships in men/women's basketball, baseball, softball and men's golf. Two state highways, AL-9 and AL-21 run through the city limits of Piedmont, as well as US Highway 278. Many surrounding communities are served by the 36272 ZIP code, including Spring Garden, Rock Run, Knighten's Crossroads, and Nance's Creek. The current mayor is Bill Baker, who was chosen by the city council to lead after elected mayor Rick Freeman resigned due to medical issues.

The area now known as Piedmont is a community that began in the early 1840s, located at the crossroads of two early post roads. Major Jacob Forney Dailey of North Carolina came to Alabama in 1848 and bought land in present-day Piedmont. Major Dailey named the area Cross Plains, and an official post office with that name was established on September 22, 1851.

In Reconstruction-era Alabama, an incident at Cross Plains affected race relations and the future of the northeast section of the state for generations as a result of the lynching of William Luke, a northern missionary, and several other men in 1870. In that year, the new northern-owned railroad to connect Washington, D.C. and the North with New Orleans was to have its headquarters near the small northeast Alabama town, at Patona. After the Ku Klux Klan-led lynchings, however, the headquarters was moved, and the town never achieved the dominant position in Calhoun County, with Anniston, founded the next year, achieving that status instead.

Make the Right Choice for Debt Relief

Making the right choice is important for your financial future.  We have detailed some of the options available to you in Piedmont AL to help you eliminate your debt, but as with all things, due diligence is important.  Be sure to speak with a professional regarding any legal and tax consequences of the solution that you choose.  Remember, your long term financial health is the most important goal of any type of debt relief program.

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