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Debt Consolidation in Mansfield, Texas: 5 Things to Do

Consolidating your debt is one way to handle multiple debts with one payment. Before you go through with this option, though, here’s what you need to know about the process. The following steps will help you get started.

Debt Consolidation in Mansfield Texas

Check Your Credit Score

Debt consolidation in Mansfield, Texas, can help you cut down your interest rate if you obtain a large enough loan. However, this is only likely if you have a good credit score. That’s why you need to check your credit score and reports first. Are there any errors or inaccuracies that could have compromised your credit score? Report them and have them fixed right away before asking for a debt consolidation loan.

Know How Much You Owe

Add the amount of debt that you want to consolidate along with the fees and charges that a debt consolidation loan will have. That way, you have a clear idea of how much you should apply for in the loan. Be sure to ask about the other costs so you don’t miss anything in your computation.

Apply for a Loan

Start looking for a reputable bank or credit union in your area. Make sure you know their requirements before you apply. The more prepared you are, the better your chances are of getting your loan approved.

Receive Funds

Once you find a lender, you may receive the money in as little as a day. However, some borrowers find this stage hard, as they’re tempted to use the money for something else. Don’t add more to what you already owe. Repay all your debts as soon as you get the money.

Consider Settlement or Credit Counseling

If consolidating your loan won’t work, you may also want to try other debt relief options like debt settlement in Mansfield, Texas. Ask about that too when you visit a debt relief service provider, for guidance and advice. That will help you figure out which option is best for you. Either debt settlement or credit counseling will not require a new loan, but the services are much different. Debt settlement provides the lowest possible payment in many cases without bankruptcy. Keep in mind these are hardship programs, so you will have to rebuild your credit score after you complete them, but with the right decisions, it shouldn’t take too long. Plus you can start investing money rather than throwing it away to interest once you are out of debt. 

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

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