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Understanding Credit Card Debt Consolidation In Pharr, Texas

You may not know that some lenders have special loans designed to consolidate your credit cards? First, you must understand what debt consolidation is all about and how it works. Also, get to know some of the risks involved. Choosing to consolidate your credit cards may make things easier to handle and reduce your monthly payments. If you are considering consolidating your credit cards, it is crucial you know all the terms of your existing loan and understand how debt consolidation works. Debt Consolidation In Pharr Texas

What is Credit Card Debt Consolidation?

This payment process allows debtors to pay multiple credit card debt balances using a new single loan from a single lender. The interest rates of the credit card debt consolidation loan will be determined by the marketplace rates and your individual credit and financial profile. Using a new loan for debt consolidation in Pharr, Texas, can be difficult because lenders do want to see that you have the ability to easily pay back the loan. There is a lot of risks involved for one lender to take on debt that is currently held by multiple lenders in most cases.

What is a Home Equity Loan?

A home equity debt consolidation loan is a loan that uses the equity in your home to pay off your high-interest debt. In Texas, you can only borrow up to 80% of your home value, so if you purchased your home recently, you likely do not have enough available equity.

Debt Settlement for Debt Relief:

Debt settlement  in Pharr, Texas, can be a great alternative if you cannot qualify for a low-interest loan to pay off your high-interest credit card debt. This is a hardship program, so creditors will not receive monthly. Instead, they will receive a lump-sum settlement for less than the full balance from money that you accrue in a special purpose settlement savings account. These programs can resolve debt in as little as 24 to 48 months with program payments that could be less than half compared to minimum payments.

What is Credit Counseling?

Credit counseling is not a new loan but will lower your interest rates on your existing credit cards and allow you to pay one monthly payment to the credit counselor. Like debt settlement, it is a hardship program, so you will not be able to continue charging on your cards.

Benefits of Debt Consolidation in Pharr, Texas

Reduces the Monthly Payments: Whether you use debt consolidation loans, credit counseling, or debt settlement, you can enjoy one lower monthly payment.

Resolve Debt Much Quicker: Making minimum payments could take decades to pay off credit card debt, assuming you quit using the cards. Any of these debt consolidations or debt relief programs could help you resolve debt in just a few years.

 Start Investing In Your Future:  By resolving debt, you can start investing the money now lost to interest charges every month.

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

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