1. Our Texas Debt Relief services are typically 40% less than most competitors, especially out-of-state companies. This program is exclusively for Texans. Talk to one of our Texas Debt Specialists to learn about our advantages and savings over out-of-state "cookie-cutter" programs.
2. We provide an affiliate platform to shop many different lenders for credit card Debt Consolidation Loans up to $100,000.
3. We also offer an affiliate program to reduce interest rates without new loans and our Texas Debt Relief program to negotiate significant balance reductions.
4. We can assist if you are facing creditor lawsuits.
5. Phone and office consultations are free with no obligation.
6. Affordable Debt Consolidation is 100% veteran-owned, Texan-owned, state-licensed, with an A + Better Business Bureau rating.

Our Texas Debt Specialists assist Texans with multiple programs offered by our company and by utilizing a high-rated resource. Our Texas Debt Relief program uses Debt Settlement to negotiate significant reductions in the amount you pay back to your creditors. Credit Counseling programs can lower interest rates on credit card debt without a new loan. We also provide our affiliate platform to shop dozens of lenders who offer Debt Consolidation Loans to Texas residents who qualify. Any of these options will allow you to "consolidate" debt with one monthly program amount. We can also arrange a free consultation with a highly-rated Texas bankruptcy law firm if you would like to compare bankruptcy to non-bankruptcy options.

Our Texas Debt Relief program is a Debt Settlement program offered exclusively to Texans. Debt Settlement is also referred to as Debt Negotiation or Debt Resolution. This method resolves your unsecured debt by negotiating a lower amount to pay your creditors and settling in full with a zero balance. The process involves setting money aside in a new special purpose account rather than making small monthly payments to your creditors. Each enrolled debt is negotiated and settled one at a time using money that accrues in the special purpose account until all debts settle with a zero balance remaining. The monthly amount you set aside is based on your budget. In some cases, it can be less than half compared to making high-interest credit card monthly payments.

Consultations with a Texas Debt Specialist are entirely free with no obligation. Our Texas Debt Relief fees are performance-based, meaning clients pay our company no fees until a debt is negotiated and settled. Our settlement fees are a flat 15% of your enrolled debt and are factored into your new affordable monthly program payment. Most Debt Relief companies charge 25% of your enrolled debt, making our settlement fees up to 40% LOWER than most other companies. Our fees do not include any optional third-party fees administered by a separate provider.

It is illegal for any company to make such a guarantee. We will provide a realistic good-faith estimation using historical industry settlements and factoring the specific creditors you owe. We believe some companies make unrealistic claims and "bait and switch" their clients. These tactics are often uncovered by reading complaints about the company. One of the largest out-of-state Debt Relief companies was sued by the federal government and several state governments for providing unrealistic outcomes. Our goal is for our clients to graduate sooner than estimated as much as possible, although some clients will be enrolled longer than estimated due to a variety of factors. Affordable Debt Consolidation will not give you an unrealistic expectation to convince you to enroll. Speak to one of our Texas Debt Specialists if you want an honest evaluation. We always work hard on your behalf to save you the most money possible.

Credit Counseling is a form of Debt Management that can lower your interest rates with credit card debt and some installment loans while providing one monthly payment. It is a form of Debt Consolidation that does not require a new loan. Credit Counseling and Debt Negotiation are both considered hardship programs, but Credit Counseling does not negotiate the balances. Only the interest rates are reduced. We can help a consultation with a highly-rated non-profit Credit Counselor if you want to pursue this option.

Affordable Debt Consolidation believes we provide Texans with the best deal available. Texans designed our Texas Debt Relief program and created it exclusively for Texans. Out-of-state companies usually charge 25% of your enrolled debt as a "performance" or "contingency" fee. Our Texas Debt Relief service is provided with a 15% fee, meaning you could easily pay up to 40% higher settlement fees with a competitor.

Since we are a Texas company focused on resolving debt for Texas residents, we aim to have low overhead and provide full-service Debt Settlement services at a lower cost. We only charge our fees proportionate to amount of debt settled after payment is made towards the settlement.

If you are a Texas resident and qualified for our Debt Settlement service after a consultation, we will provide you with lower performance fees than any licensed and reputable competitor. If we are unable to offer lower performance fees than a qualified competitor, we will give you a $1,000 Visa gift card with the following simple requirements:

As state law requires, the competitor is registered with the Texas Office of Consumer Credit Commissioner. Fees charged must be performance-based. The Better Business Bureau rates the competitor "A-" or higher. We have determined that you qualify for our services. We receive verifiable written proof of the competing offer. The guarantee only applies to fees charged by our company for our Texas Debt Relief service and does not apply to any optional third-party service. Please speak to one of our Texas Debt Specialists for more information.

We can enroll credit cards, unsecured installment loans, personal loans, medical bills, department store credit cards and loans, payday loans, and most other unsecured debts. We can also assist with many lawsuits and judgments. Our program cannot assist with secured debt, including home and auto loans unless the collateral has been repossessed. Student loans backed by the Department of Education are not eligible, but free student loan assistance is available at https://studentaid.gov. We do assist with some private student loans and some business debt. Speak to one of our Texas Debt Specialists for more information.

Enrolling in a Debt Settlement program alone will not stop creditors or debt collectors from calling you. Even if creditors know they will ultimately receive a settlement in full, individual debt collectors are usually paid a commission based on the amount they collect from you. Therefore, they may call you directly in an attempt to collect more money than our negotiators will arrange. Texas has specific consumer protection laws that protect you in addition to the federal Fair Debt Collection Practices Act. When enforced, the Texas Finance Code can prevent nearly all harassment from original creditors in addition to third-party debt collectors. Affordable Debt Consolidation has made an affordable arrangement to refer clients to whom we feel is the top debt defense attorney in Texas. By retaining the attorney, separately from our program, it is illegal for debt collectors to call you under Texas law. Instead, they will only be authorized to call your attorney, or our settlement representatives.

If you do not hire a separate attorney, our negotiation team will help reduce the number of calls you receive as much as possible. However, most creditors and debt collectors will attempt to call you until the debts are settled.