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Choosing the Right Credit Counseling Company in Little Elm, Texas

Dealing with debts can be overwhelming, especially when you don’t know your options. Credit counseling is a good place to start when you want to deal with debts. Unlike popular opinion, you don’t need to struggle with debts to qualify for credit counseling. This is because credit counseling offers advice on how debts work and how to budget and manage your finances. In addition, if you’re already in debt, the counselor can develop a plan to help you meet your debt obligations. Credit Counseling Company in Little Elm Texas

What is Credit Counseling?

This debt relief program is usually for people struggling to make timely debt payments. A debt relief company provides a counselor who helps you through debt repayment. They review your financial status and budget and develop a suitable plan to help you pay your debts.

How to choose a Credit Counseling Company

Services they Offer

Most people seek credit counselors when already in debt. Therefore, in addition to counseling, you need other services. For this reason, it helps to work with a company that offers other services, such as debt settlement, especially if you’re in Little Elm. Many credit counselors will not even talk about debt settlement as an option since they are mostly funded by the creditors. Creditors would rather you see you pay your debt back in full plus interest rather than negotiate the balance since it helps their profit margins for you to pay as much as possible.

How they Provide Services

Most companies provide online and offline services. Therefore you can access them in person or over the internet. For instance, you can access debt settlement services in Little Elm even if you live elsewhere. Whether you prefer in-person or online, ensure they’re easily accessible, especially on the phone. It is recommended to use a company bases in Texas and check the company out using the Better Business Bureau. Look how long the company has been in business, accreditation, and rating. Read any complaints.


Most credit counselors don’t charge a large fee for their services. The credit counselors are mostly funded by creditors, but they may charge a small monthly fee. However, they might charge for other services. Therefore, ensure you understand how the charges work and which services are free. In case you can’t afford the fees, you can check for not-for-profit organizations that offer free credit counseling. Debt settlement companies however are not funded by the creditors you owe. Their interests are solely in line with yours. They do charge fees for their service, but only after successfully settling a debt. Even with fees, you should end up paying much less than you owe your creditors. Many out-of-state debt settlement companies charge 20% to 25% fees. You can find a company in Texas with fees at around 15% instead.

Credit counseling or debt settlement can save you from financial stress if you’re struggling with debts. The counselors help you manage your finances, make budgets, and can also develop a plan to help you make timely payments.

How to Receive Debt Consolidation in Little Elm, 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 Little Elm, Texas.

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Debt Consolidation Little Elm, Texas, Credit Counseling Little Elm, Texas, and Debt Relief Little Elm, 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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