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Texas Debt Management License: 1900064636-215879

Texas Debt Management License: 1900064636-215879

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Mistakes to Avoid When You Try Debt Consolidation in Brownsville

Consolidating your debt might be the best option for you. But make sure you don’t dive into a program before you sort out a few things. Here are some of the mistakes you’ll need to avoid if you want your efforts to result in a successful debt consolidation in Brownsville

Lack of Knowledge

Consolidating your debt means combining multiple debts into one payment. This is usually done with a consolidation loan which requires a new loan. However, you can still get a lower interest rate and monthly payment even without taking out a new loan. Talk to us about credit counseling in Brownsville to learn more about this option.

Being in a Rush

Be sure to know and understand what debt consolidation is about. Go over the other options, too, so you’ll know if consolidating your debt instead of going with debt relief in Brownsville is the right option for you. Don’t rush into signing an agreement without fully understanding the process and what it will mean for you.

Not Checking the Requirements

To qualify for a debt consolidation loan, you’ll need two things: an excellent credit score and a good debt to income ratio. Those conditions don’t apply to everyone, though. If you aren’t a good fit for debt consolidation, you can look at debt settlement in Brownsville. If you are considering a bankruptcy, this may be a good option for you, especially if you don’t qualify for chapter 7 bankruptcy and chapter 13 bankruptcy is an expensive option for you. A debt settlement program may be able to resolve your debt in as little as 24 to 48 months while providing you a comfortable monthly program payment that is often less than half compared to making minimum payments.  

Ignoring the Root Cause

The best debt management plans can’t help if you don’t make changes to your spending habits. If you still spend needlessly and use your credit card for frivolous purchases or impulsive spending, you’ll never free yourself from debt. Build a budget and stick to that instead. Talk to a Texas Debt Specialist to learn about which debt consolidation and debt relief options might be ideal for your situation.

How to Receive Debt Consolidation in Brownsville, Texas

The fastest way to get help is to call to speak with a Texas Debt Specialist now. You may also fill the form above and one of our Texas Debt Specialists will reach out to provide you a free and no-obligation consultation.
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Debt Consolidation Brownsville Texas, Credit Counseling Brownsville Texas, and Debt Relief Brownsville Texas consultations are free of charge with no obligation.  Clients who make monthly program payments generally experience approximately a 50% reduction of their enrolled balance before fees, or approximately a 35% reduction after payment of settlement fees over a 24-48 month period, not including optional and separate services such as legal services provided by a Texas law firm or legal insurance plans. Individual results vary based on ability fund 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 a payment has been made to creditor. We do not assume consumer debt, make monthly payments, 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 full balance. Programs available in Texas. Logos used are property of their respective owners.

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