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Texas Debt Management License: 1900064636-215879

Texas Debt Management License: 1900064636-215879

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Debt Consolidation in McKinney

Do you want debt consolidation or debt settlement in McKinney? McKinney, Texas has about 182,000 residents with an average household income of about $83,000 per year and an average debt of about $2,350 per resident, so debt consolidation in McKinney is often requested.

Many people are not able to save for retirement, they are only able to make minimum payments, so their debt never or very slowly decreases, or they are not able to pay their living expenses due to high-interest credit cards. Some residents are falling behind and harassed by debt collectors, and creditors are filing lawsuits to collect the debt.

That’s where debt relief in McKinney comes into play. Debt consolidation loans can provide a much lower interest rate than credit cards and can often have a lower monthly payment, so people are able to pay off their debt in four to seven years rather than decades. Keep in mind that debt consolidation in McKinney requires an excellent credit score and an excellent debt to income ratio.

Most debt consolidation loans are unsecured. Using home equity or secured loans is difficult to consolidate credit card debt in Texas, because of an 80 percent loan to value cap. You can shop for 25 top lenders who provide debt consolidation loans in Texas at affordabledebtconsolidation.com. This is a free service to shop multiple lenders with one simple application. Multiple lenders will increase your chance of qualifying for a debt consolidation loan, and applying to receive offers will not impact your credit score.

Affordable Debt Consolidation also offers programs to reduce interest rates or negotiate down your balances with no new loan needed. Affordable Debt Consolidation is state licensed with the Texas Office of Consumer Credit Commissioner and has been in business for two decades. The organization is A+ and accredited with the Better Business Bureau and 100 percent veteran owned. Affordable Debt Consolidation is also headquartered in Texas with multiple Texas locations and focused only on helping Texans.

How to Receive Debt Consolidation in McKinney, Texas

The fastest way to get help is to call to speak with a Texas Debt Specialist now. You may also fill the form above and one of our Texas Debt Specialists will reach out to provide you a free and no-obligation consultation.
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McKinney Texas Debt Consolidation, McKinney Texas Credit Counseling, and McKinney Texas Debt Relief Consultations are Free of Charge with no obligation.  Clients who make monthly program payments generally experience approximately a 50% reduction of their enrolled balance before fees, or approximately a 35% reduction after payment of settlement fees over a 24-48 month period, not including optional and separate services such as FDCPA protection provided by a law firm. Individual results vary based on ability fund 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 a payment has been made to creditor. We do not assume consumer debt, make monthly payments, 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 full balance. Programs available in Texas. Logos used are property of their respective owners.

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