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Debt Relief in Wichita Falls, Texas: 3 Options You Have

Finding debt relief isn’t easy. You need to know your options before you pick one to manage your debts and get your finances under control. Going over your choices will give you a better understanding of how each financial tool works and help you determine which one is a better fit for your needs. Debt Relief in Wichita Falls Texas

Debt Consolidation

One form of debt relief in Wichita Falls, Texas is debt consolidation. This means that you consolidate multiple debts into a single payment using a new loan. The option comes with several benefits. You have a chance to renegotiate terms and get a lower interest rate. You also have a single payment to take care of instead of multiple ones, so that’s easier and more convenient to track and manage. However, these loans are not always easy to qualify for since there is a lot of risk to the lender. High credit scores and excellent debt-to-income ratios are going to be the determining factor.

Debt Management Plan

Aside from debt consolidation in Wichita Falls, Texas, you can also consider a debt management plan. If you’re hopeless with budgeting, a debt management plan can be a huge help to you. A financial expert will be working with you on developing a budget plan that you can stick to. The point of the plan, though, is to make it realistic. That way, you’ll have far better success in achieving your goals. By realistic, that means you won’t be putting every single cent you have into paying for the loans. You’ll determine the amount that you can comfortably send for the payment while keeping to a strict budget. You will benefit from one easy payment per month and your existing credit card interest rates should be lowered. However, you will not be able to make new charges while you are in the program, and you should not incur any more debt until you graduate from the program.

Debt Settlement Plan

This plan is attractive to many borrowers because it allows you to pay back only a portion of the debt you owe, and the monthly plan could cost less than half compared to making minimum payments. It is often an excellent alternative to bankruptcy, but It comes with some downsides, so you’ll need to thoroughly discuss the option with a financial expert before you move forward with this plan. The quality of the services you receive is imperative to your success and the quality varies significantly between companies. Research companies in Texas accredited with the Better Business Bureau and ask about fees charged. Many out-of-state companies charge very high fees to Texas.

How to Receive Debt Consolidation in Wichita Falls, 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 Wichita Falls, Texas.

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Debt Consolidation Wichita Falls, Texas, Credit Counseling Wichita Falls, Texas, and Debt Relief Wichita Falls, 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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