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817-865-5100

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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When To Get Debt Consolidation In Irving, Texas

According to the United States Census Bureau, Irving has a population of 239,798. About 95% of adults in Irving have credit cards opened to their name, and 55% are in debt. If you are among the debt holders, you may find yourself stuck between managing all your debts. However, you can consolidate these debts into one loan to streamline your payments. But it would be best if you did your due diligence before you use debt consolidation in Irving, Texas. So, when do you need to acquire a debt consolidation loan in Irving?

If you need to simplify your debt payments

When you have many debts, you worry about due dates each month. But, you can reduce your anxiety by consolidating your debts, as it can move multiple payments into one. This way, you will simplify budgeting and allow fewer chances of missing payments. This option will help you to avoid falling behind and being harassed by debt collectors. 

If you want to repay your debts sooner

These days, too many people fail to save for retirement due to being unable to repay their debts. Some people could easily contribute $1,000 or more a month if they didn’t have any high-interest credit card debt. Texans can look at debt relief services, such as debt settlement or credit counseling in Irving, Texas, to help pay off their debts much faster. By paying your debts faster, you will be paying less interest in total, and with this, you will have the capability of even saving some money to achieve other goals

If you have a lot of debt

You might be in a situation where debt collectors are harassing you or filing lawsuits to collect the past-due debt you owe them. In such instances, it would be helpful to make use of a debt consolidation program referred to as debt settlement. However, if you have a small amount of debt, it would not be worthwhile, as you can probably pay them off in a year or less without the need for professional assistance.  

Before getting a debt consolidation loan, you must check whether you need it. Additionally, ensure that your credit score is good enough and that you can afford to pay the payments if you are looking for a debt consolidation loan to solve your debt problems. Otherwise, credit counseling or debt settlement may be your best options. Usually, debt settlement will be the most affordable option since your balances are negotiated way down in most cases. The monthly cost could be less than half compared to credit card minimums in many cases, and the programs are often estimated to only take 24 to 48 months. Check out Affordable Debt Consolidation’s Texas Debt Relief program, which offers debt relief to Texans for up to 40% less than most non-Texas competitors. The firm also has an affiliate platform to shop for the best debt consolidation loan and credit counseling resources. 

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

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