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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

Texas Debt Management License: 1900064636-215879

Texas Debt Management License: 1900064636-215879

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Understanding Debt Consolidation, Credit Counseling and Debt Relief in Temple, Texas

Good credit means you are eligible for reasonable interest rates on mortgage, credit cards, insurance rates, a car, rental housing, or other utilities. You can join the good credit club at any time depending you meet the requirements. Some of the ways you can ensure you have clean credit are through credit repair, credit counseling, and debt consolidation. But before you venture into these routes, it is best you first understand what they are.Debt Consolidation Credit Counseling and Debt Relief in Temple Texas

Understanding Credit Counseling

This is a non-profit service offered to all consumers, regardless of their debt balance, to manage their debts and money. The main goal of credit counseling is to provide support and guidance to help the consumer pay and stay out of debt. It covers a huge financial ground as counselors work to evaluate your debt situation and provide ways to pay the debt off. The credit counselors also help you identify any mistakes contained in your credit report and how you can request the information be corrected at no charge.

Watch Out For Credit Repair Claims

While your credit report may contain errors, you do not need to pay a company to fix them. You can contact the three credit reporting agencies and request the mistakes are updated at no cost. Some credit repair companies claim they can remove all of your recent and valid debts from your credit report. Take a look at the reputation of the company you speak to so you don’t lose money to a scam or company that overpromises results. 

When you review your credit report, you should:

  • Review any missed payments; this applies to all debt payment plans, including debt relief options in Temple, Texas.
  • Verifying your name, social security number, and address are correct.
  • Review debts from the collection agencies.
  • Gathering information to disputer errors in the credit report and send documentation. Such as a letter from a creditor showing your account should be reported at a zero balance if it is still showing a balance

Understanding Debt Consolidation in Temple, Texas

Debt consolidation is when you take a new single loan to help you pay off multiple loans and consumer debts. The debts become combined into a single one with favorable payment terms. Debt consolidation in Temple, Texas can be used to pay off your credit card debts, student loans, and other debts you may have. If you have multiple debts, you can take a consolidation loan to help you pay them off.

You can apply for this loan from other lenders, but your bank should be your number one option as they know you better. If it does not work, you can explore private lenders, mortgages, or companies. Please note that a debt consolidation loan does not clear your debt. It only transfers your loan to a different lender or a type of loan.

Debt relief using a debt settlement option to negotiate lower balances or a credit counseling program to obtain lower interest rates are additional options to resolve the debt. If you are struggling to pay the debt, then you should first put a program in place to resolve it and then start rebuilding your credit. Rebuilding your credit if you are falling behind on your debt and cannot afford monthly payments is not going to be possible until the debt is resolved, or unless you wait many years for the debt to finally fall off of your credit report.

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

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