This is not a straightforward answer. Everyone’s length of time with the program depends on their unique situation. There are several factors that must be considered. Two of these factors are the creditor and the debtor. It depends on how much debt you have and how much you are able to pay back each billing period and whether the creditor will accept the terms under which you can pay back your debt. Typically consumer credit counseling services take about 3-5 years to complete their program when paying off unsecured debt.
How long will it take me to pay off my debt using a consumer credit counseling service?
Sr. Debt Analyst at PCS Debt Relief
At PCS, our programs are tailored to the client’s specific financial needs. What sets us apart from our competitors is that clients see relief, before any payment is received. Our NO UP-FRONT FEE policy ensures our client’s a 100% satisfaction guarantee. We also do not charge any monthly fees or any cancellation fees. We want the client to feel comfortable during the whole process that’s why we allow them to be part of it every step of the way.