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Debt Consolidation in Keller, Texas: 4 Reasons It Might Fail

You might be able to manage your debts with greater ease. If you have multiple debts, there are several options to help. First, try debt consolidation with a new loan. It rolls multiple debts into one, making it easier and more convenient to stay on top of your debts and finances. However, some mistakes could make it harder for you to achieve your goals. Here’s what you should avoid when you consolidate your debts.

Debt Consolidation in Keller Texas

Failing to Budget

Know that debt consolidation in Keller, Texas, doesn’t make your debts go away when you take out the new loan. You simply transferred it from one lender to another lender. You still need a solid plan to help you eliminate your existing debts. If you’ll wing it, that can lead to several problems as you might not be fully aware of the impact of your actions on your credit score and finances. Even before you get the proceeds from the debt consolidation loan, make sure you have already developed a budget in place. Think of it as a guide, one you need if you’re a reckless spender.

Not Tracking Your Progress

Every step forward counts. If you are hardly leaving a dent in your debts, you might be thinking that nothing is happening. But sometimes, progress is slow. You should track it, so you can see that you’re improving. Though not by leaps and bounds, every time you see that your debt is much less than before, that tells you that you did the right thing. So, when you find the time, check-in on your progress. You’ll get to the recovery much sooner.

Falling for Scams

Not all companies that offer debt consolidation in Keller, Texas, are the same. Know the type of service you are getting. Is it a new loan, credit counseling, or debt settlement?  Some might be dodgy service providers, and many do not have offices in Texas. You should be on the lookout for these companies in large call centers just trying to make a sale. Make sure you don’t fall for their schemes. If the company isn’t transparent with you about their charges, if they can’t explain the process to you, that could be an indication that they aren’t as trustworthy as you think. Also, consider their reputation. What do other clients say? Read the complaints and reviews on the Better Business Bureau and make sure the company is licensed here in Texas.

Setting Unrealistic Goals

Establishing new goals helps you build better defenses against your reckless spending habits. If the goals in your debt management plan are realistic, you have a much better chance of committing yourself to that plan. However, if the goals are unrealistic, try to negotiate for better terms and conditions. That will help you achieve the outcome you want when you consolidate your debts. It might hurt a bit now but once you’re financially in the clear, you can have more room in your budget for the things you want.

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

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