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Debt Consolidation in Harlingen, Texas: 4 Mistakes Borrowers Do

Consolidating your debt is one way to save money, make your monthly payments manageable, and keep your finances easy to track. But using this financial strategy isn’t a guarantee that you’ll get the results you want. Here are some common mistakes that borrowers make. Avoid them when you repay your debts, so you won’t worry about landing in more significant financial trouble.

Debt Consolidation in Harlingen Texas

Not Enough Research

Before choosing debt consolidation in Harlingen, Texas, do your homework. Understand the impact that the strategy will have on your credit score. Be clear about your goals, too. Getting a debt consolidation loan won’t automatically make your debts go away. It only makes it easier for you to manage the debt and get long-term cost savings from the lower interest rate. If that’s not your goal, this might not be the right strategy for you.

Choosing the Wrong Firm

Look for a trustworthy company that offers different forms of debt relief in Harlingen, Texas, like debt settlement and debt consolidation. Keep in mind that not all companies are equal, so you’ll need to consider their experience in the field. How long has the company been around? What kind of services does it offer? Does that lineup include the debt relief you need?

Not Paying Debts Right Away

As soon as you get the money from the loan, use it to pay back your multiple debts. You can start from the payments with the highest interest, or you can start with the smallest ones until you’ve eliminated all of them. That’s one way to get all the debts into a single monthly payment. The problem is that when borrowers receive the funds, some spend them on things other than their debts. That only leads to more problems. They still have the existing debt to pay and the new debt consolidation loan they applied for. If you don’t want to end up in that financial tangle, use the funds and pay off your debts right away.

Not Addressing the Cause

Debt isn’t a one-time thing. Sometimes, it’s the result of long-held spending habits. If you’re reckless with your money, you’ll have a hard time getting out of debt. Even if you clear your financial slate this time, failure to address the triggers and cause of the debt will only lead you to more debts in the future. This is an excellent time as any to start changing your spending habits.

Know Your Options

There are several options for debt relief. If you live in San Antonio, look at the KENS-5 City Pros for a reputable provider. You can also check other TV station websites such as WOAI, KABB, and KSAT. Research the BBB for a company with a local office that guarantees the lowest fees.

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

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