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Debt Consolidation in Austin and Other Ways to Manage Your Debt

Debt borrows from your future income, gets in the way of your financial goals, and the interest causes you to pay more than you should for the item. But it hurts more than your finances. If it spirals out of control, you’ll end up in a vicious cycle, become stressed, and suffer from potential health problems. It can also hurt your personal relationships. If you’re drowning and don’t see any way out, get help. Take steps to eliminate your debt.

Ask for Expert Assistance

Talk to us about debt consolidation in Austin, Texas. Determine if it’s the right option for you. However, debt consolidation loans are hard to qualify for, which could be a problem for you. A consolidation loan might not be the best option for your situation if you don’t have a high credit score and a good debt-to-income ratio. 

Explore Debt Counseling

You may be able to utilize credit counseling in Austin. This option allows you to obtain a lower interest rate on your existing credit cards without having to get a new loan. You can pay off your debt in about 5 years with this strategy. It’s also ideal for those who’ve been behind in their credit card payment or personal loan payments for less than six months.

Consider Debt Relief

Another more affordable options are programs for debt relief in Austin, which can include debt settlement. It is often the best solution for those who are considering bankruptcy but would like to look at another option. If you do not qualify for a chapter 7 and 13 is too expensive, then give debt settlement in Austin a try. It can eliminate your debt in as little as 24 to 48 months with a monthly cost that could be less than half compared to making minimum payments. 

Look for the Right Firm

Partner with us for your debt management needs. We have been in business for two decades, putting us in an excellent position to help you. Our expertise and knowledge allow us to provide the assistance you need, especially if your creditors are already filing lawsuits against you or threatening to do so. Affordable Debt Consolidation is based in Texas and has served Texans for twenty years. Options include their Texas Debt Relief program offered at up to 40% lower fees compared to out-of-state debt relief competitors. You can also ask about their affiliate platform to shop for debt consolidation loans with many lenders. Their credit counseling affiliate can also help if that option is right for you. Finally, Affordable Debt Consolidation also works with a highly-rated Texas bankruptcy law firm if you want to compare bankruptcy to non-bankrupcy solutions.

How to Receive Debt Consolidation in Austin, Texas

The fastest way to get help is to call to speak with a Texas Debt Specialist now. You may also fill out the form above and one of our Texas Debt Specialists will reach out to provide you with a free and no-obligation consultation for Debt Relief or Debt Consolidation in Austin, Texas.

Affordable Debt Consolidation Austin, Texas
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Texas Debt Management License

Debt Redemption License

Debt Consolidation Austin, Texas, Credit Counseling Austin, Texas, and Debt Relief Austin, Texas Consultations are Free of Charge with no obligation. Affordable Debt Consolidation is not a lender but offers a platform to receive offers from participating lenders.  Credit counseling clients generally obtain an interest rate between 6% and 11%.  Debt negotiation clients who make their scheduled monthly program payments generally experience approximately a 45% reduction of their enrolled balance before fees over a 24-48 month period, not including any optional and separate services such as legal services provided by a law firm.  Our settlement fees are 15% of the enrolled balance compared to 25% charged by most competitors. Individual results vary based on the ability to fund the program, and the creditors enrolled. Statements made are examples of past performance and are not intended to guarantee that your balances will be reduced by a specific amount or that you will resolve debt within a specific time period. Settlement fees are not charged until a debt is reduced and payment has been made to the creditor. We do not assume consumer debt, make monthly payments, or provide tax or legal advice. We are not a credit repair firm. Please contact a tax professional to discuss any possible tax consequences of paying less than the total balance. Debt Relief programs are exclusively offered to Texas residents. Logos used are property of their respective owners.

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