Debt Consolidation in Action: North Dakota

Residents use credit counseling to maintain stability and achieve success.

North Dakotans enjoy some of the lowest personal debt levels in the country. Residents rank 49th in credit card debt load, as well as boasting fewer delinquent mortgages and debts in collections than residents in other parts of the country. That’s not to say North Dakotans don’t face challenges, but they’re highly proactive about finding solutions with issues arise.

The information below can help you understand how state residents are currently being impacted by debt, as well as a case study showing how one of your neighbors achieved freedom from debt with the help of credit counseling. If you’re facing your own challenges with debt, call Consolidated Credit today at or complete our online application to request a free debt and budget analysis from a certified credit counselor. You can explore your options and get professional assistance in identifying the right solutions for your situation.

Debt Statistics in North Dakota

The following statistics can help you understand the current state of debt in North Dakota today and how it’s impacting residents’ ability to achieve financial freedom.

[1] http://www.washingtonpost.com/blogs/govbeat/wp/2013/08/20/ranking-the-states-credit-card-debt/

All other statistics are brought to you by America’s Voice on Debt (AVOD)

Credit Counseling in Action for North Dakota residents

The case study below comes from a real client of North Dakota who achieved financial freedom by enrolling in a debt management program with the help of Consolidated Credit. Every financial situation is unique, but this can give you some perspective on how a certified credit counselor may be able to help you.

This is a great service! I’m glad I called.

Where he started:

  • Total unsecured debt: $33,372.00
  • Estimated interest charges: $19,011.46
  • Time to payoff: 11 years, 11 months
  • Total monthly payments: $1,334.88

After DMP enrollment:

  • Average negotiated interest rate: 5.81%
  • Total interest charges: $4,605.87
  • Time to payoff: 4 years, 4 months
  • Total monthly payment: $738.00
Time Saved:
7 years, 7 months
Monthly Savings:
$596.88
Interest Saved:
$14,405.59

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

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