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Credit Counseling In Duncanville, Texas

No matter your financial situation, credit counseling can offer money advice. You can seek these services if you’re in a financial fix and unable to pay your debts or need help with budgeting. A credit counselor negotiates with creditors on your behalf to pay the loan in small amounts over a long period. The counselor can also negotiate for a reduced interest rate in some cases. There are nonprofit and for-profit agencies, and they offer the same services. Here’s more. Credit Counseling In Duncanville Texas

What to Expect from Credit Counseling in Duncanville, Texas

Many people seek credit counseling when they’re in debt. However, there is more to credit counseling, including

1. Debt Management Plan

The counselor develops a plan to combine your debts in one monthly installment. As a result, you can pay your credit card loans in three to five years. Also, the creditors can reduce the interest rate courtesy of a credit counselor.

2. General Budgeting

A counselor can help with the budget to ensure your income aligns with the expenses. Therefore, you’ll be able to manage the credits before getting into debt. In addition, the counselor can advise how to reduce the expenses to avail money to repay the debts.

3. Bankruptcy Counseling

If you’re in a debt crisis, you might consider filing for bankruptcy. Before you do, consult a credit counselor to help evaluate your financial situation. They may help with debt consolidation even if you’re in Duncanville, Texas. After the credit has been discharged, the credit counselor can help you move forward.

4. Student Loan Counseling

A credit counselor can help with some private student loan payment options. This allows you to pay the loan at a manageable pace. They can also show you government programs to deal with federally backed student loans.

Other Debt Relief Options

Debt negotiation or debt settlement is a popular program to negotiate balance reductions rather than just reducing the interest rates like credit counseling. However, unlike credit counseling, your creditors are not paid on a monthly bases. Instead, they are paid in lump sums throughout a plan that is usually estimated between 24 to 48 months, depending on your budget. The program payments might be much less than credit counseling. Keep in mind that you need to be sure to hire a quality company to do this since it’s a service and not a loan. Look at the Better Business Bureau website for a Texas-based company that is Accredited and read any reviews and complaints.

Credit counseling services or a debt relief plan can save you from various financial difficulties. A qualified credit counselor or debt specialist can help with payment options as an alternative to a damaging and often expensive bankruptcy. Additionally, they can help with general budgeting to avoid falling deeper into the debt pit.

How to Receive Debt Consolidation in Duncanville, 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 Duncanville, Texas.

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Debt Consolidation Duncanville, Texas, Credit Counseling Duncanville, Texas, and Debt Relief Duncanville, 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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