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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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Debt Settlement in Flower Mound, Texas

Debt settlement in Flower Mound, Texas, helps negotiate a payment that is less than the balance owed on your unsecured debt account. It also helps consumers clear their dues more ethically and provides low-cost channels. 

Debt settlement provides a faster way of clearing your debt in Flower Mound while negotiating the balance. Most creditors are normally willing to accept payments that are less than the balance owed instead of losing the entire amount in bankruptcy proceedings.

Debt settlements companies are experts in providing some awesome deals in San Antonio. Clients who successfully seek debt settlement in Flower Mound, Texas, are able to pay much less on a monthly basis in most cases, resolve debt much quicker than minimum payments, and rebuild their credit after they graduate.  

Debt settlement is not the only method. Here are four debt relief methods to consider.  Debt Settlement in Flower Mound Texas

Debt Management

Debt management is a program where a client makes a single payment in a month to a credit-counseling agency. Then the agency further distributes the money to other agencies you owe on your behalf, mostly at an affordable interest rate, to enable you to pay off your debts faster. Some industry experts say this has low completion rates, so if you are in San Antonio, Texas, and can comfortably make the payments, it might be a good option.

Debt Consolidation Loans

Debt consolidation loans give you a larger, low-interest loan to help you pay off your unsecured loans with higher interest rates. This enables you to make payment once every month, which theoretically seems to be lower than what you ought to have paid for all your credit cards and unsecured loans. Qualifying for these loans is a huge challenge, and why many people have to resort to debt settlement or debt management.

Debt Negotiation in Flower Mound

This method allows you to negotiate down the principal amount you owe your creditors. This method is generally a faster and cheaper way of settling your debts than other methods, except for chapter 7 bankruptcy and, in some cases, chapter 13 bankruptcy. You might be able to set up a plan with program payments less than half compared to minimum payments, and the plan could even be as short as 24 to 48 months, depending on your budget. If you choose the wrong company, you could be in worse shape than you are in today. Check the Better Business Bureau for a reputable company.

Bankruptcy

Bankruptcy is always an option for people who cannot pay their debts, even if they only have to pay a portion of the debt back. Creditors will stop their collection process once a form of declaration of bankruptcy is published. If you cannot qualify for chapter 7, then you may have to pay back some or all of your debt in chapter 13. Only a Texas bankruptcy attorney can advise you of your bankruptcy options.

Debt Consolidation in Flower Mound

Debt consolidation in Flower Mound could be the best solution for you when you struggle to keep track of your multiple debts. Whether it is a debt consolidation loan or credit counseling will be determined by your situation and credit standing.

How to Receive Debt Consolidation in Flower Mound, 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 Flower Mound, Texas.

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Debt Consolidation Flower Mound, Texas, Credit Counseling Flower Mound, Texas, and Debt Relief Flower Mound, 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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