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806-705-7500

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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Potential Benefits Of Debt Consolidation In Lubbock, Texas

Lubbock is a city in Texas that contains a population of over two hundred and fifty thousand people, and the estimated debt per capita is about $4,490. Many residents have well over $30,000 in credit card debt. However, there are several debt consolidation options in Lubbock. Some people are hesitant about working with a random debt consolidation company. But with Affordable Debt Consolidation, we feel that you get the best debt relief in Lubbock, as we are a Texas company that focuses on helping Texans with debt situations. 

To qualify for debt consolidation, there are several steps you need to follow, such as: 

Supplying Your Debt Information

For debt to be consolidated, the first step is to provide all your debt information. Here you need to countercheck the total amount of money that you owe. By doing this, our company will be able to understand your creditors, interest rates, and current payments. Furthermore, it will help you determine how much to borrow if you want to shop for the best consolidation loan through our affiliate platform.

Sum Up the Average Interest Rate

The second important step to initiate is to calculate the total interest rate you are paying now compared to your new interest rate. Each credit card contains a different interest rate and balance. This being the case, getting the exact number might be challenging. For better results, we can assist you with an online calculator to do the necessary calculations. It is not necessary to have an exact number, but you should make sure you are paying less money for the new loan compared to your current average interest rates. 

Decide on an Affordable Monthly Payment

The next thing is deciding on an affordable monthly payment based on the options you qualify for. This is possible by checking your monthly expenses. After analyzing that, check if you have enough money to repay your debt consolidation loan. By doing this, you’ll be able to fit your budget most effectively. 

Weigh Your Options

The last step of debt consolidation in Lubbock is to weigh your options. These options range from; debt settlement, debt management, and credit counseling or bankruptcy. If you do not qualify for a debt consolidation loan in Lubbock, Texas, and are facing financial hardship, a debt settlement program may be able to reduce the monthly cost of your debt by half or more. These programs may also resolve your debt in as little as 24 to 48 months. Affordable Debt Consolidation offers a Texas Debt Relief program up to 40% less than most out-of-state debt relief competitors. The firm is 100% veteran-owned, state-licensed and highly rated by the Better Business Bureau.

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

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