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or Talk to a Texas Debt Specialist 469-326-1555
or Talk to a Texas Debt Specialist
469-326-1555
Eliminate high-interest Credit Card Debt in as little as
24 - 48 months
Eliminate high-interest Credit Card Debt
in as little as 24 - 48 months
- Our Texas Debt Relief service is usually 40% LESS than out-of-state competitors
- Low monthly program payments with no new loans needed
- Options for reduced interest or negotiated balance reductions
- Call: 469-326-1555 now to ask your Texas Debt Specialist about our $1,000 Visa Gift Card lowest fee guarantee
- Facing a creditor lawsuit? Call us ASAP for affordable assistance.
- Use our affiliate platform to shop Credit Card Debt Consolidation Loans up to $100,000 in Abilene, Texas. Review offers from multiple lenders without a fee or any impact on your credit score.
- Our Texas Debt Relief service is usually 40% LESS than out-of-state competitors
- Low monthly program payments with no new loans needed
- Options for interest reductions or negotiated balance reductions
- Call: 469-326-1555 now to ask your Texas Debt Specialist about our $1,000 Visa Gift Card lowest fee guarantee
- Facing a creditor lawsuit? Call us ASAP for affordable assistance.
- Use our affiliate platform to shop Credit Card Debt Consolidation Loans up to $100,000 in Abilene, Texas. Review offers from multiple lenders without a fee or any impact on your credit score.
Do You Pay For Credit Counseling In Rockwall, Texas?
Are you drowning in debt and don’t know the best path to take to get out of it? You could consider getting in touch with a certified credit counselor to give you the necessary guidance. A credit counselor can aid you in formulating a strategy to cope with your debt and other financial problems you may have. The cost of credit counseling may vary from state to state once you get into a debt management program. However, they are most affordable to those in dire need, and Texas has regulations that prevent these companies from overcharging. Using a Texas-based company is your best bet for credit counseling in Rockwall, Texas. 
Free Credit Counseling Session
There are non-profit consumer credit counseling agencies that will give a free debt evaluation. This is part of a requirement such agencies must complete retaining their 501©3 status. Their main work is to educate and help you find financial stability. Their services are mostly free, but they if you need more than free credit counseling in Rockwall, you will have to pay for the debt management program.
Debt Management Program Fees
When you get into a debt management program, you are expected to pay some fees. There are usually as little as $0 to $55. These fees are regulated by the state of Texas and the federal government. The national average rate seems to be around $40. Credit counselors are funded by the creditors in most cases, so they are less likely to recommend debt settlement in Rockwall, Texas. However, you can consider debt settlement if you need the lowest monthly payment possible and want to resolve debt in the shortest amount of time without bankruptcy.
More on Credit Counseling Fees
Credit counseling agencies in Rockwall exist as non-profit agencies to offer you all the education you need to gain financial stability. You may decide to go for debt relief in Texas, but you may not know of other ways to handle your debt unless you get the best counseling from the agency.
The goal of credit counseling agencies is to guide you and help you learn how to manage your debt and budget. You learn to become financially stable, and once your debt is fully paid, you can stay out of debt. However, be on the lookout for non-reputable counseling agencies whose intentions are to make more profits which may lead you into more debt.
Talk to both a credit counselor and a debt specialist to see if debt relief using negotiation or credit counseling is the best option for your situation. Both will have different options. The debt settlement company charges higher fees because they are not paid by the creditors, but they also work for you and not the creditors, so this should be considered when deciding an option.
How to Receive Debt Consolidation in Rockwall, 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 Rockwall, Texas.
Affordable Debt Consolidation Headquarters
Hours of Operation
- Mon - Sat: 6 AM – 10 PM CT
- Sun: 7 AM - 10 PM CT
Texas Debt Management License
Debt Redemption License
Debt Consolidation Rockwall, Texas, Credit Counseling Rockwall, Texas, and Debt Relief Rockwall, 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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