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Debt Consolidation in Wylie, Texas: 3 Mistakes Most People Make

Consolidating your debt comes with plenty of benefits. If you’re stressed out and overwhelmed trying to make ends meet and wondering how you can stretch every dollar, consolidating your debt could be a step in the right direction. It can help you lower the interest rate to save you on costs and renegotiate your monthly payment so you can set it to the amount you can afford. Before you go through with this option, though, here are mistakes that you’ll want to avoid. Debt Consolidation in Wylie Texas

Being in a Rush

Stressed out with debt doesn’t mean you must rush into getting debt consolidation in Wylie, Texas. If you don’t think about things carefully, you could end up in more financial trouble. While you want to get out of debt as quickly as possible, be sure to consider the pros and cons. Talk to an expert before you make a move.

Spending Recklessly

After choosing a form of debt relief in Wylie, Texas, the last thing you want is to land yourself back in debt. The best debt management plans can’t help you if you don’t address the root cause of the debt. If you’re a reckless spender, and you’re still spending money like that after getting a debt consolidation or debt management plan, you’ll only be right back from where you started. Fix your spending habits first.

Choosing the Wrong Tool

Debt consolidation isn’t the only form of debt relief. You can also choose debt settlement, debt management plan, or even bankruptcy if you meet the federal guidelines. Each option comes with benefits and risks, so you need to evaluate them carefully before you choose a financial tool. The right one can help you pay back your debt much faster. But the wrong one could set you off on the wrong financial path, one that will make it much harder for you to get back on your feet. Choose wisely.

Choosing the Wrong Company

Debt consolidation loan interest rates and upfront fees can vary from lender to lender but choosing the best loan for your needs is probably priority over the name of the actual lender. Credit counseling companies can vary a bit in quality, but the huge difference is with debt relief services. In these programs, the quality of the services you are provided may determine your success, and the fees charged can vary widely between providers. You should make sure the company you choose is based in Texas, licensed in Texas, and charges low fees, unlike many out-of-state companies. Go to the BBB website and research Texas companies with accreditation and read any reviews and complaints.

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

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