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Eliminate high-interest credit card
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Texas Debt Management License: 1900064636-215879

Texas Debt Management License: 1900064636-215879

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5 Reasons Debt Consolidation in Dallas Won’t Work for You

Consolidating your debt into one payment makes it easier for you to manage your finances. If you have multiple debts from credit card use or personal loans, consider debt consolidation in Dallas. It’s a smart move, depending on your situation. Just make sure you avoid these missteps.

Having No Plan

Using debt consolidation only means you have a single payment every month. It doesn’t eliminate the debt, but it can help you to pay down the debt faster and throw away less money to interest. It also means you have one payment deadline to worry about now instead of multiple ones. If you have no plan on how to tackle your debt, that loan might go to waste.

Getting a Higher Rate

When you take out a new consolidation loan, it’s only ideal if you get it at a lower interest rate. If the interest rate is higher, then it may have a devastating impact on your ability to pay off the debt.

Not Knowing Your Options

How do you know that debt consolidation is the right option for you? By checking out other options like credit counseling in Dallas. When you talk to us about debt relief in Dallas, you’ll learn even more options for managing your debt. Be sure to consider the benefits of debt settlement in Dallas.  Credit counseling can lower your credit card interest rates without the need to take out a new loan. Debt settlement is designed to negotiate down your balances. This can be the most affordable option as an alternative to bankruptcy as the monthly program can often cost less than half compared to making minimum payments. These programs are short, usually designed to take 2 to 4 years to resolve the debt.

Paying the Minimum

When you get a lower interest rate on your existing debts, you have more money that can go into paying for your balances instead of the interest. If you keep that up and pay more than the minimum, then you’ll succeed in paying off the debt faster.  If you transferred the debt to a debt consolidation loan, then you can also pay it down much faster with the same principle.

Spending Recklessly

How are your spending habits? If you want the debt consolidation to work, then keep your spending under control. If you’re still buying things left and right, you’ll remain in debt for even more years to come. Make a budget and follow it to control your spending. Wealthy people invest their money and earn interest. Poor people pay interest.

How to Receive Debt Consolidation in Dallas Fort Worth, 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 Dallas Fort Worth Texas, Credit Counseling Dallas Fort Worth Texas, and Debt Relief Dallas Fort Worth 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. 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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