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Credit Card Debt Consolidation In Port Arthur, Texas

Many people in Port Arthur, Texas, are looking for consolidation loans to help out with their debt. The best time to get a handle on your debt is before it gets out of control. If you are falling behind and getting scared to open your mail or to receive phone calls from debt collectors is not the way to live. It may be time for you to get help from various credit card debt consolidators to help you out.Debt Consolidation In Port Arthur Texas

What is Credit Card Debt Consolidation?

This is a debt repayment strategy where multiple credit card balances or loans are combined into one loan. This process makes it easier to track your progress and make payments as you only get to deal with one monthly payment and due date. However, before you consider getting a credit card debt consolidation in Port Arthur, Texas, it is crucial you seek some professional guidance. You can get great credit counseling in Port Arthur, Texas.

Ways to Consolidate Credit Card Debt

Get a Personal Loan

Personal loans work best in consolidating any debt. The funds you get from a debt consolidation loan can be the best way to pay off your credit card loans. Therefore, instead of making multiple different credit card payments, you can make a single one using a personal loan.

Debt Consolidation Programs

Once you combine all your credit card debts into one loan, you send the monthly payment to one of these programs. They then forward your payments to your creditors. Take note it is not the same as a debt consolidation loan. With this, your debts still open for inbound payments, except they are more manageable. This technique works best if you are looking for some debt relief in Port Arthur, Texas.

Use Balance Transfer Credit Card

This technique allows you to move your balances from different credit card accounts into another credit card. The balance transfer credit cards have an introductory 0% APR on the balance you transfer within a given period. 

Credit cards work best if you plan to save for a vacation, college, or retirement. However, mishandling credit card debts can be a thorn in your flesh and can also negate all the points you might have earned on your credit score. Make sure to explore the options you can use to get rid of such debt as soon as possible. 

Debt Settlement in Port Arthur, Texas

Debt settlement is another option to reduce debt, and you could potentially eliminate debt in as little as 24 to 48 months with a program payment that is often less than half compared to making minimum payments. This is not a new loan and is structured differently compared to credit counseling.

How to Receive Debt Consolidation in Port Arthur, 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 Port Arthur, Texas.

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Debt Consolidation Port Arthur, Texas, Credit Counseling Port Arthur, Texas, and Debt Relief Port Arthur, 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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