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Interactive checklist that evaluates the user's financial stress levels and identifies whether debt settlement might help their situation.
Helps users locate certified debt settlement professionals in Arizona based on their zip code and specific needs.
Allows users to input their total debt and current monthly payments to estimate potential savings with debt settlement options.
Interactive quiz that evaluates the user's debt situation to determine their eligibility for debt settlement programs in Arizona.
Q1: What is the minimum amount of unsecured debt typically required to qualify for debt settlement in Arizona?
Q2: Which type of debt is NOT usually eligible for settlement through programs in Arizona?
Q3: In Arizona, which of the following is a common requirement for individuals seeking debt settlement?
Q4: What is a potential consequence of entering a debt settlement program in Arizona?
Q5: How long does a debt settlement program typically last in Arizona?
Generates a custom debt settlement plan based on the user's input regarding their debt amount, monthly income, and financial goals.
Allows users to compare debt settlement, debt consolidation, and other options based on costs, timelines, and outcomes.
| Feature | Debt Settlement | Debt Consolidation | Credit Counseling |
|---|---|---|---|
| Average Cost | 15%-25% of settled debt | Varies by lender, typically 5%-15% of total debt | No direct cost, often free or low-cost |
| Typical Settlement Time | 3-6 months | 3-5 years | 6 months to 1 year |
| Impact on Credit Score | Can drop by 100-200 points | Can drop by 50-150 points | Minimal drop, usually 10-30 points |
| Minimum Debt Required | $5,000 | $10,000 | $1,000 |
| Monthly Payment Options | Negotiated lump sum payment | Single monthly payment to lender | Monthly payment to counseling agency |
Analyzes the user's current repayment plan and suggests whether switching to debt settlement could reduce costs or shorten timelines.
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