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What are the Different Types of Credit Counseling Services in Leander Texas?

Debt overwhelms and messes with a person’s mental peace. Sometimes you are carried away and don’t even know where to start. However, in everything, there’s always hope. Credit counseling can offer you lots of relief by helping how to pay off and be free. Credit counseling companies offer various counseling services for everyone. So, you are sure that you will get a service that suits your needs.Credit Counseling Services in Leander Texas

Services offered by credit counseling companies

They include:

  • Debt management

When you seek credit counseling services in Leander, a counselor creates a plan to consolidate them and lower interest. The main aim of these counselors is to clear the debt in three to five years. It is suitable for people with huge credit card debt who want to consolidate their payments to reduce the interest.

  • Bankruptcy counseling

Bankruptcy is legal and is filed to allow you to get a discharge of your commitment to pay particular debts. Bankruptcy counseling provides you with two financial education sessions. One is before filing for your bankruptcy, and the other is when your debts are discharged. It’s good for individuals who have exhausted all other debt-relief options and want to use bankruptcy to handle their debts.

  • General budgeting

A certified debt counselor can guide you through general budgeting techniques. The expert often offers a free starting session for like an hour. Things you discuss include a run-through of your financial goals and current financial practices. The budgeting conversation will include an outline of the income and expenses and a rundown of your financial goals. You can also get additional budgeting counseling sessions after that one session. It can be helpful for people without a budget or who want to improve their current one.

  • Student loan counseling

People struggle with the payment of different debts. For instance, if you are struggling with a student loan, you may consider seeking help from a credit counselor. They will advise you on the best repayment options available for you. In addition, they may help and talk to your student loan issuer to lower the interest or consolidate loans. The service suits people with huge student loans who want to pay them off faster.

  • Housing counseling

Do you have questions about housing as a first-time home buyer or the inability to pay rent? If yes, housing counseling might help answer some questions and solve your problems. No matter your situation, credit counseling offers various options. This is for you if you are struggling to make rent payments or need help buying your first home.

Debt counseling organizations offer various services. The services cater to different kinds of situations. So, if you need help, you can seek one that suits your problem.

Services not offered by credit counseling companies

Credit counseling companies do not offer debt consolidation loans, bankruptcy legal services or debt settlement in most cases. A credit counselor can help review your credit to see if you have a good chance of qualifying for a debt consolidation loan. A debt consolidation loan will be a better option for most people who qualify compared to credit counseling debt management plans. Bankruptcy requires seeing competent legal services from a Texas bankruptcy attorney.  Also, a debt settlement plan can be much more affordable than credit counseling and take much less time to resolve the debt. This is because the debt balances are negotiated rather than just lowering the interest rates. However there are some advantages and disadvantages to all the options. If you would like to explore debt settlement, look on the Better Business Bureau website for a highly rated and Accredited company based here in Texas.

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

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