Lubbock, Brownsville, Amarillo, and all Texas residents can receive 40% lower debt relief fees compared to most out-of-state services. Call: 800-813-1003 or visit affordabledebtconsolidation.com for a Free Consultation with a Texas Debt Specialist
Affordable Debt Consolidation provides Texas Debt Relief plans available exclusively to Texas Residents, including Lubbock, Laredo, Brownsville, Amarillo, and the entire state of Texas. The San Antonio, Texas, headquarters company has been helping Texans for 20 years, is 100% veteran-owned, A+ rated, and Accredited with the Better Business Bureau and featured on News and Lifestyle shows across the state. By exclusively serving fellow Texans, they can provide their Texas Debt Relief service with 40% lower fees compared to most out-of-state debt relief services. Read reviews of many Texans they have assisted by clicking on the Better Business Bureau logo on the top section of their website.
Texas Debt Relief in Lubbock, Laredo, Brownsville, and Amarillo
The Texas Debt Relief plan offered by Affordable Debt Consolidation is a debt settlement plan to negotiate substantial reductions of credit card and personal loan debt balances. The firm specializes in resolving very high debt between $20,000 to $100,000 or more. After speaking to a Texas Debt Specialist, they will learn more about your situation and discuss options to resolve the debt. If their Texas Debt Relief plan is right for you, debt can be resolved in as little as 24 to 48 months. Program payments may be less than half compared to minimum payments in many cases. This is a hardship program, so it is designed for Texans who may be current but struggling to make payments, have fallen behind, or facing creditor lawsuits.
Debt Consolidation Loans in Lubbock, Laredo, Brownsville, and Amarillo
Debt relief, though debt settlement or debt negotiation, isn’t the only option. If you have excellent credit and need to protect your credit score, a debt consolidation loan could be a better option. Locking in a fixed rate will also protect you from future interest rate hikes, and the lower payment may allow you to save money every month while paying the debt off faster. It is important not to re-load your credit cards if you use this method, or you may find yourself in a worse situation. Affordable Debt Consolidation can help you find the best loan by shopping many lenders with their affiliate platform of lenders.
Credit Counseling in Lubbock, Laredo, Brownsville, and Amarillo
Credit counseling is another option for debt consolidation without a new loan. The credit counselor has agreements with your creditors to lower rates. After enrollment, you make one payment to the credit counselor, and the payments are distributed to your creditors. This can allow you to have a lower payment and pay the debt off faster than minimum payments, like a debt consolidation loan. Since it does not reduce your principal balances and you still pay back some interest, it is usually more expensive than debt settlement.
Bankruptcy in Lubbock, Laredo, Brownsville, and Amarillo
Bankruptcy, of course, is another option. However, most Texans want to avoid bankruptcy if possible. Many higher-income or higher asset debtors cannot file a Chapter 7 to liquidate their debt. If a Chapter 13 repayment plan is the only option, it is a good idea to compare it to a non-bankruptcy option. Debt settlement may be less expensive than Chapter 13 in many cases. Texans considering bankruptcy should talk to a qualified Texas Bankruptcy attorney. Affordable Debt Consolidation makes it easy to compare bankruptcy to non-bankruptcy options through a special arrangement with a highly-rated Texas bankruptcy law firm.
Anytime you do not pay the creditors as agreed, it will have a negative impact on your credit. This includes debt settlement, bankruptcy, and, to an extent, credit counseling. However, the faster you can resolve the debt, the faster you can start rebuilding your credit. Fortunately, this is not hard to do with the right steps, and you can always get an excellent credit score back, but you cannot get back the money wasted to high interest. Worse, you cannot get back the lost investment opportunity to make money on the income that you threw away to pay high interest. With all the uncertainty in our economy, saving money every month while on a path to debt, freedom may be the best decision for your long-term financial well-being.
Speak to a Texas Debt Specialist today and learn about your options to resolve and eliminate credit card debt and personal loans. Call 800-813-1003 or visit https://affordabledebtconsolidation.com for a free and no-obligation consultation.
