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How to Pick a Credit Counseling Agency in Lewisville, Texas

Since the pandemic, more people have been experiencing financial difficulties. Unfortunately, it has led to them taking more debt than they can manage. Credit counseling might be the solution if you are balancing multiple creditors and struggling to foot bills on time. Through this service, you will get hope of financial freedom and feel in control of your finances. To help you, here’s a guide on how you can pick a credit counseling agency. Credit Counseling Agency in Lewisville Texas

How to select a credit counseling agency?

First, you need to identify areas you need help with your finances. Then you will look for a credit counseling agency in Lewisville to help you solve your financial issues. Finances are a delicate matter, and it’s hard to know whom to trust with such information. The good thing is some qualified professionals can walk this journey with you.

What you need to do:

First, search for non-profit agencies that work with certified credit counselors. They will assess you and determine if credit counseling suits you. Also, some of these agencies allow you to search for certified agencies by state, so you can find one here in Texas. In addition, they offer free calculators and debt decision tools to let you know your current financial health.

The organization can link you with certified credit counselors. Once you have a list of potential firms, ensure they are certified. Do this by checking the U.S Department of Justice’s list of approved agencies by state. Also, check with the state’s attorney general office and local consumer protection agency if complaints are against the agencies. This ensures they are in good standing and offer the best services in credit counseling and debt consolidation in Lewisville.    

Remember to ask for free information about their services to evaluate if their expertise aligns with your needs. Note a good credit counseling company will offer free information on their services without requiring you to disclose your situation. If they don’t offer all these, consider that a red flag and look for another agency.    

Disclosing your financial status is a delicate matter. So, you must be careful and pick an agency that aligns with your needs and priorities. You may ask why most credit counselors are non-profit. This is due to the fact they are mostly funded by the creditors you owe since they will collect the creditor payments for them. There is some controversy about whether this aligns more with your interests or that of the creditors. Other options to consider are debt consolidation loans to pay off high-interest credit card debt and debt settlement programs to negotiate down your balances. A debt settlement program can be a much shorter program or provide a much lower monthly payment in most cases since there is a huge savings on the balance reductions, not just the interest.

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

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