Debt Consolidation in Action: West Virginia

Achieving stability in spite of debt challenges with credit counseling.

There is no shortage of challenges when it comes to personal debt for West Virginians. Although the state ranks 47th for average consumer credit card debt, student loan debt is higher than the national average. Residents also struggle with collections – in fact, two out of every five borrowers has at least one debt currently in collections. These kinds of challenges can make it difficult to maintain stability even with a strict budget.

Luckily, there are ways to overcome challenges with debt when traditional payment methods fail to produce results. Many residents have regained financial control with the help of credit counseling services and programs that consolidate debt. If you’re struggling and need help achieving financial freedom, call Consolidated Credit at or complete an online application to request a free debt analysis today.

Debt Statistics in West Virginia

The following statistics can help you understand the state of debt as it stands today in West Virginia. They show what situation the average borrower faces when it comes to household debt:

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

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

Credit Counseling in Action for West Virginia residents

The case studies and testimonials below come from real Consolidated Credit clients who live in West Virginia. Every financial situation is unique, but these can provide some insight into how a debt management program may be able to help you take control of your debt.

Consolidated Credit has been wonderful for our family. We are on our way to being debt free!

Where she started:

  • Total unsecured debt: $60,470.00
  • Estimated interest charges: $35,143.93
  • Time to payoff: 14 years, 6 months
  • Total monthly payments: $2,418.80

After DMP enrollment:

  • Average negotiated interest rate: 7.67%
  • Total interest charges: $15,399.88
  • Time to payoff: 4 years, 6 months
  • Total monthly payment: $1,390.00
Time Saved:
10 years
Monthly Savings:
$1,028.80
Interest Saved:
$19,744.05
They were extremely helpful setting me up and they have been honest 100%. Consolidated Credit really helped me get my finances under control!

Where he started:

  • Total unsecured debt: $15,612.92
  • Estimated interest charges: $8,988.34
  • Time to payoff: 12 years, 1 month
  • Total monthly payments: $624.52

After DMP enrollment:

  • Average negotiated interest rate: 4.33%
  • Total interest charges: $1,489.86
  • Time to payoff: 3 years, 9 months
  • Total monthly payment: $380.00
Time Saved:
8 years, 4 months
Monthly Savings:
$244.52
Interest Saved:
$7,498.48

"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.

View the Consolidatedcredit.org review status

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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