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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

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Texas Debt Management License: 1900064636-215879

Texas Debt Management License: 1900064636-215879

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Potential Benefits Of Debt Consolidation In Garland, Texas

There are several debt consolidation options in Garland. These companies aid in reducing interest and offering one single lower payment that eases debt stress. However, many Texans find it hard to pick the right one. For this reason, here’s a guide on the criteria to help you select the best debt consolidation in Garland, Texas.

Conduct a Background Check on the Agency

Before settling on the company to work on debt consolidation in Garland, Texas, ensure that you conduct a background check on the agency. These institutions play a vital role since they offer credit counseling and other solutions to resolve debt. The Better Business Bureau is a good place to look. Furthermore, ensure that the agency is licensed with the Texas Office of Consumer Credit Commissioner.

The Type of Debt you have

Debt consolidation involves borrowing a loan from a bank or a credit union to pay off another credit card debt and then clearing the banks’ loans in bits. However, there are many types of debts, and everyone’s situation is different. Find out if other options, such as debt settlement, will be a better path to save you the most money without bankruptcy and resolve your debt faster than other options.

What do they require from you?

If you are seeking a debt consolidation loan, lenders will ask for specific requirements, such as your credit history, to see whether you qualify. To be eligible for a large debt consolidation loan, you will need a very high credit score and a good debt-to-income ratio.

To find the best company that offers debt relief in Garland, check out customer reviews. They are essential since they’ll help you grasp and understand how the company works and how they handle its clients. Local companies or companies with local offices will have a lot fewer reviews about the local branch compared to the headquarters or companies that consolidate all of their reviews to one location. Read the review and complaints on the Better Business Bureau website. 

Their experience

Do your due diligence and find out how much experience the company has in helping people recover from debt. With so many out-of-state firms advertising Garland, you want to be sure you are dealing with a reputable company that will not get you into more debt or scam you. 

Debt consolidation companies are essential since they can help in multiple ways. If you are searching for the best company to consolidate you, follow the criteria outlined above to help you choose the right one. Also, understand the difference between credit counseling programs that can reduce your debt without a new loan and debt settlement programs. Debt Settlement programs are able to negotiate your balances for much less than you owe and often resolve all of your debt in as little as 24 to 48 months. Monthly payments for these programs can be customized and often less than half compared to minimum payments. Check out Affordable Debt Consolidation, which is a highly-rated Texas-based company that offers an affiliate platform to shop for the best debt consolidation loans, credit counseling resources, and their Texas Debt Relief program that is usually up to 40% less when comparing out-of-state debt relief competitors. Plus, they have offices in Texas and only serve Texans, which allows them to understand the needs of Texans better and provide services more efficiently. 

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

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