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Debt Consolidation in Richardson: How to Get Rid of Debt

Eliminate your debt by taking a step in the right direction. While some debts aren’t bad, some can hamper your ability to pursue financial freedom and goals. To manage your debts better, consider the following steps. Debt Consolidation in Richardson How to Get Rid of Debt

Consolidate Your Debts

Managing multiple debts is exhausting. It also takes time and effort that you can put to better use. With debt consolidation in Richardson, Texas, you can look forward to several benefits: lower interest rates over credit cards, lower monthly payments so you can worry less about coming up short for your monthly payments, and a shorter payment term.

Caution Using a New Loan

If you qualify for a debt consolidation loan, ensure your loan has a lower interest rate than the debts you are trying to consolidate. There are other options to consider. Although consolidating your debt often refers to getting a new loan to pay off your multiple debts, you can also try credit counseling in Richardson. You don’t need a new loan to lower the interest rates on your credit cards. It also reduces the monthly payment amount and allows you to pay off your debt in about five years, sometimes less if you can afford to pay more.

Know Your Options

You can also consider other options like debt relief in Richardson. This typically refers to debt settlement, which is ideal for you if you are already contemplating bankruptcy or want a program to save the most money possible. However, if chapter 7 bankruptcy doesn’t apply to you because of your assets and income, and chapter 13 bankruptcy is expensive, then this could be a more affordable option for you, depending on your situation. If you already have creditors either threatening or filing lawsuits against you, talk to us about debt settlement in Richardson immediately.

Pay on Time

Whatever financial strategy or method you choose, though, make sure you send those monthly payments on time. The faster you can resolve your debt, the faster you can start rebuilding your financial profile and start investing in your future.

Pay More

If you can pay much more than the minimum payment without going into a program, you might not need any help. Do the math and calculate how much you can comfortably spend and add to your monthly payments. If you are struggling to make your minimum payments, consider professional help, and as a last resort, you can always consider bankruptcy. Credit counseling might give you enough monthly savings to avoid bankruptcy. A debt settlement program might even provide you with a monthly amount of less than half compared to minimum payments. If you would like to explore non-bankrupcy options, contact Affordable Debt Consolidation, which is based in Texas and provides Richardson residents their Texas Debt Relief services for up to 40% less than out-of-state debt relief firms. Affordable Debt Consolidation also provides Texans an affiliate platform to shop for the best debt consolidation loan possible from many lenders and credit counseling resources through a trusted non-profit credit counselor.

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

Affordable Debt Consolidation Richardson, Texas
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Debt Consolidation Richardson, Texas, Credit Counseling Richardson, Texas, and Debt Relief Richardson, 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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