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Eliminate high-interest credit card
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Texas Debt Management License: 1900064636-215879

Texas Debt Management License: 1900064636-215879

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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.

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, though, you can look forward to several benefits: lower interest rate over credit cards, lower monthly payments so you can worry less about 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, make sure your loan as a lower interest rate compared to 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, 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 lowers the monthly payment amount and allows you to pay off your debt in about 5 years.

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 filing for bankruptcy or if you 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, though, talk to us about debt settlement in Richardson right away.

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 invest 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, then consider professional help, and as a last resort you can always consider bankruptcy.

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 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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Richardson Texas Debt Consolidation, Richardson Texas Credit Counseling, and Richardson 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 legal representation by a Texas law firm or legal insurance plans. 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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