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Credit Counseling in Georgetown, Texas: 4 Ways It Helps

Whether you plan on consolidating your debts, settling them, or getting a debt management plan, you need to fully understand your options. That’s why you need to make an appointment for credit counseling. Before you go, here are some of the benefits that you can expect. You’ll be in a better position to decide once you’ve gone through debt relief choices with an expert. Credit Counseling in Georgetown Texas

You Get a Plan

If you have little to no talent in coming up with a budget, going to a session about credit counseling in Georgetown, Texas, can help. One of the services that these companies usually offer is general budgeting assistance. By the time you end that session, you’ll be coming home with a budget to manage your finances.

You Get a Lower Interest Rate

When you work with companies that offer debt management and relief services, they can negotiate on your behalf and help you get a lower interest rate. It’s not guaranteed. But choosing a reputable company can improve your chances of getting that lower interest rate approved by your creditors.

You Know the Risks

The first time you hear about options like debt settlement, you’ll find it tempting. After all, who wouldn’t want to go for a financial tool that allows you to pay back only a portion of the debt, while canceling the rest? Going to a credit counseling session, though, tells you all about the risks that come with that decision. After that, you might feel that debt consolidation in Georgetown, Texas, or a debt management plan is a much safer choice for you. However, the savings are much higher with debt settlement, and the plans can cost much less and be much shorter. So the positives may outweigh the negatives. If you choose a reputable Texas company offering debt settlement, you could have very good results and avoid bankruptcy.

Research the Company

If you decide to use a debt consolidation loan, the lender you choose isn’t going to make much difference. You probably want to focus on the interest rates, terms, and fees associated with the loan rather than the name of the lender. Credit counseling companies are going to vary slightly in their fees and perhaps the quality of their customer service. If you choose debt settlement, the fees may vary widely, and the customer service experience can vary even more. You are really going to want to research the company with the Better Business Bureau and make sure that they are licensed in Texas. Going with a Texas-based company may work to your advantage but ask about their fees, and you may want to consider a company only focused on Texas since the state laws can work to your advantage if you are in a Texas-based program.

You Fix Core Problems

Counseling can also pinpoint what’s causing the debt. If it’s reckless spending habits, you can take this time to fix those issues. That way, once you clear your financial slate, you won’t end up in debt again. Talk to a credit counselor, or with if using debt settlement, it will be a debt specialist who will assist you. A handful of companies offer both debt settlement and credit counseling. Both have the skills to help you better understand your finances and get on the right path to debt freedom.

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

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