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Debt Management

One of the most encouraging aspects of seeking debt consolidation with Delray Credit Counseling is that they don’t try to rush consumers down that path. They emphasize that though debt management can be the best solution for many people, there are often better alternatives, particularly for those who are just beginning to have debt problems.

Delray Credit Counseling charges a $39.00 monthly service charge for debt management services. That fee is about 20% less than most comparable services. The service provided is in line with the industry standard. Delray negotiates lower interest rates and fees with creditors so that the amount that goes towards interest is much lower and the amount going to pay off the debt is correspondingly higher. As with other debt management firms, Delray receives a commission from the creditors for their assistance in obtaining payments on accounts that have a degree of risk of going delinquent.

Debt Settlement

Delray Credit Counseling doesn’t offer debt settlement services. For consumers needing this option, we suggest reading our reviews of Care One, Coastal Credit Solutions and CuraDebt.