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Debt Consolidation in Garland, Texas: Must-Know Advice

Mistakes can lead to financial trouble for you. If you plan on consolidating your debts, here are tips to make sure you won’t be led astray. Through smart decisions and help from debt management companies, you’ll get right back on your feet financially. Debt Consolidation in Garland, Texas Must Know Advice

Pick a Trustworthy Company

Before you start anything, you need to make sure you get things right from the get-go. To make that happen, you need the help of a trustworthy company that offers debt consolidation in Garland, Texas. Do your homework and find out which companies have a good reputation for providing debt management and relief services. With experts dedicated to helping you, you’re already in a better place than you were when you first started. Make sure the company is based in Texas and licensed. Also review the Better Business Bureau and pay close attention to reviews and complaints.

Get a Lower Interest Rate

Before you think about getting a debt consolidation loan in Garland, make sure you have a good chance of getting a lower interest rate. One of the best reasons why you’ll want to consolidate your debt is to lower the interest rate. That way, you can use more of your money for paying off the debt and not just the interest, eventually paying off the debt faster. These loans are hard to qualify for since you will need a high credit score, plenty of income or plenty of equity in your home. Using your home can put it at risk of foreclosure if you fall behind on payments in the future.

Pay Off the Debt Right Away

Keep in mind that when you consolidate your debts and get a loan, you need to pay off all your high-interest debts. Some people only transfer enough money to meet the minimum amount for the monthly payment. But that will only accrue interest. The best course of action is to get the outstanding debt off the books, so you can concentrate on paying off that single loan.

Stop Spending

If you want to make a dent in your debts, stop spending. You’ll want to close your credit cards to avoid the temptation, too, just in case. Prioritize paying back what you owe before you start shopping for niceties.

Research the Company

Always research any company you will trust your financial future with the Better Busines Bureau. Check the rating, Accreditation and read any complaints or reviews. Any company offering debt relief or debt management in Texas must be licensed to do so, and there are fee caps. Many out-of-state companies will overcharge Texans, so look for a company based in Texas that specializes in helping Texans.

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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