Debt Relief Programs in Action in Arizona

We’ve helped thousands of Arizonans find relief from credit card debt.

Challenges with personal debt are hitting Arizonans where it hurts – the bottom line of their budgets. Nearly one in ten Arizonans is currently at least 90 days past due with at least one credit card. It’s no wonder that the most popular credit card in Arizona these days is a balance transfer card. People are looking for relief anywhere they can find it.

But the truth is that balance transfers and other do-it-yourself options for debt consolidation often fail. Without help, people can’t stop charging, so they wind up with more debt, instead of less. But the good news is that nonprofit debt relief services like Consolidated Credit offer ways to get out of debt that work. We’ve helped thousands of Arizonans overcome challenges with credit card debt to regain financial stability.

The information below is designed to help you understand how credit card debt impacts credit users Arizona. It also provides case studies from real clients of Consolidated Credit from Arizona, so you can see how we helped your neighbors and decide if this is the right solution for you. Once you’re ready to get started, call Consolidated Credit today at  to request a free debt and budget evaluation with a certified credit counselor.

Debt Statistics in Arizona

Below is a quick look at how debt is affecting borrowers in Arizona. It’s good to note that the credit card debt balance below puts Arizona 19th for high balances in the U.S. and is over the national average of $4,965.

  • Average credit card debt per household: $7,100 [1]
  • Average available credit limit: $16,366 [2]
  • Credit utilization ratio (debt vs available limit): 35.64% [2]
  • Average number of cards: 3.04  [3]
  • % of accounts that are delinquent (at least 90 days past due): 9.54% [4]
  • Average credit score: 669 [3]
  • Most popular type of credit card: Balance transfer  [5]

Debt Relief Arizona: See our program in action!

Michelle from Chandler, AZ

The customer service agents are SOOO helpful and professional. Thanks so much for all your help!

Where she started:

  • Total unsecured debt: $25,685.00
  • Estimated interest charges: $14,652.28
  • Time to payoff: 12 years, 7 months
  • Total monthly payments: $1,027.40

After DMP enrollment:

  • Average negotiated interest rate: 6.83%
  • Total interest charges: $2,805.79
  • Time to payoff: 3 years, 4 months
  • Total monthly payment: $651.00
Time Saved:
9 years, 3 months
Monthly Savings:
$376.40
Interest Saved:
$11,846.49
Patricia from Tuscon, AZ

Everyone has been understanding, compassionate, professional, accommodating… just amazingly helpful.

Where she started:

  • Total unsecured debt: $21,019.00
  • Estimated interest charges: $11,599.74
  • Time to payoff: 11 years, 2 months
  • Total monthly payments: $840.76

After DMP enrollment:

  • Average negotiated interest rate: 5.00%
  • Total interest charges: $2,510.55
  • Time to payoff: 3 years, 6 months
  • Total monthly payment: $513.00
Time Saved:
7 years, 8 months
Monthly Savings:
$327.76
Interest Saved:
$9,089.19
Teresita from San Luis, AZ

After a couple of weeks the calls from my creditors stopped. I have been in peace for the last two years thanks to this. I recommend it 100%.

Where she started:

  • Total unsecured debt: $14,216.00
  • Estimated interest charges: $7,644.24
  • Time to payoff: 11 years
  • Total monthly payments: $361.92

After DMP enrollment:

  • Average negotiated interest rate: 7.29%
  • Total interest charges: $1,616.21
  • Time to payoff: 4 years
  • Total monthly payment: $309.00
Time Saved:
7 years
Monthly Savings:
$52.92
Interest Saved:
$6,028.02