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469-421-9500

Eliminate high-interest Credit Card Debt
in as little as 24 - 48 months

Eliminate high-interest Credit Card Debt in as little as 24 - 48 months

Texas Debt Management License: 1900064636-215879

Texas Debt Management License: 1900064636-215879

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5 Reasons Debt Consolidation in Dallas, Texas May Not Work for You

Consolidating your debt into one payment makes it easier for you to manage your finances. Consider debt consolidation in Dallas, Texas, if you have multiple debts from using credit cards or personal loans. It’s often a very 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 for 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

It’s ideal if you can obtain a new consolidation loan with a lower interest rate. Your ability to repay the debt could be severely impacted if the interest rate is higher.

Not Knowing Your Options

How do you know that debt consolidation is the right option for you? You can make a comparison 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, and the monthly program can often cost less than half compared to making minimum payments. These programs are short and usually designed to take around 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 transfer the debt to a debt consolidation loan, then you can also pay it down much quicker with the same principle.

Spending Recklessly

How are your spending habits? If you want debt consolidation in Dallas, Texas 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.

Affordable Debt Consolidation in Dallas, Texas, is regularly featured on WFAA’s Good Morning Texas and other news and lifestyle shows throughout the state of Texas. The company is 100% veteran-owned, highly rated by the Better Business Bureau, and exclusively assists Texas residents. Their Texas Debt Specialists are available to assist you with several options. These options include their affiliate platform to shop for the best debt consolidation loan with many top lenders competing for your business. Another option is to lower interest rates with their affiliate credit counseling program. For Texans who want the lowest payment possible and wish to resolve their debt in the shortest time possible without bankruptcy, Affordable Debt Consolidation’s Texas Debt Relief program is available exclusively to Texans with up to 40% lower fees when comparing similar programs to out-of-state debt relief competitors. Talk to a Texas Debt Specialist today to learn about your options and begin the path of financial freedom.



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 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 Dallas-Fort Worth, Texas.

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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.  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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