Debt Consolidation:
One Easy Payment,
Real Debt Relief.
Overwhelmed by Debt? You're Not Alone.
At Affordable Debt Consolidation, we help Texans simplify their finances by combining credit cards, medical bills, payday loans, and more into one manageable monthly payment.
See What You Qualify for
Book Your Free Debt Consolidation Review
How Much Debt Do You Owe?
$63,000
Trusted voice in the
industry:
Local Texas news outlets often turn to us not just for tips, but because we deliver the most effective debt consolidation solutions available, backed by experience and proven results.
Debt Relief in Austin, Texas
Austin residents looking for real answers to debt can count on Affordable Debt Consolidation. Our accredited debt relief programs and simple consolidation plans are built for Texans—led by Certified Texas Debt Specialists who serve only local clients. We provide the best debt relief programs in Texas, including credit card debt relief, with costs up to 40% lower than national firms. From seniors to high-income earners, we offer trusted options. Discover how Texas debt relief works—no pressure, just affordable help when you're ready to move forward.
Find the Right Austin Debt Relief Program for You
At Affordable Debt Consolidation, we proudly serve Austin residents and communities across Texas. If credit card debt, payday loans, or other unsecured debts are causing you stress, you’re not alone — and you don’t have to face it alone. Our caring Certified Texas Debt Specialists are here to guide you with expert advice and real solutions.
We specialize exclusively in debt relief programs for Texas residents, with fees approximately 40% lower than many out-of-state debt relief companies. When you choose us, you’re choosing a local team that understands the financial realities of living in Austin.
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How We Help You with Austin Debt Relief
1. Tailored Debt Relief Strategies
No two financial stories are the same. We work with Austin residents to create a personalized debt relief plan that fits their needs — whether it’s high credit card balances, personal loans, or medical debt.
2. One Lower Monthly Payment
Imagine replacing multiple payments with one simple monthly payment — often up to 50% lower than what you're currently paying. We help you take back control of your finances with confidence.
3. A Faster Road to Freedom
With Affordable Debt Consolidation, many Austin clients complete their programs in as little as 12 to 48 months. It's not just about paying off debt — it's about giving you the opportunity to build a stronger financial future.
Whether you need top-rated credit card debt relief services in Texas, debt relief for oldies, or the best debt relief for seniors with high income, we’re ready to find the right solution for you.
Why Choose Affordable Debt Consolidation?
✅ Texas-Based Experts
We focus only on Texas debt relief. We know the unique needs of Austin residents, and we're here to offer solutions that national companies can't match.
✅ Lower Fees, Bigger Savings
Our fees are about 40% lower than many national competitors, keeping more of your money working for your financial goals.
✅ Support from Certified Professionals
You’ll work directly with compassionate Certified Texas Debt Specialists who truly care about your future.
✅ Programs for Every Life Stage
Whether you’re seeking debt relief strategies for high student loan debt, exploring credit card forgiveness for elderly, or looking for online debt relief programs for young adults struggling, we have plans that fit your life.
✅ Proven Results Across Texas
We proudly provide some of the best debt relief programs for credit card debt in Texas, trusted by clients in Austin and beyond.
Understanding Your Options
Wondering how Texas debt relief works? We’re here to make it simple and easy to understand. Whether you’re looking into national debt relief programs for Texas residents, considering Texas debt relief programs for high-income families, or seeking help with a truck driver debt relief program, we’re ready to walk you through your options.
Texas residents may be eligible for debt relief, and learning about your choices could be the first step toward a brighter future.
Take the First Step in Austin Today
There’s no obligation to talk with us, and getting started is fast and stress-free. Whether you’re exploring the best debt relief for seniors, looking for debt relief services for credit card debt in Texas, or seeking the best debt relief programs for credit card debt in Texas, we’re ready to help.
Let’s talk about your options.
Your path to a stronger, debt-free future in Austin can begin today — and Affordable Debt Consolidation is ready to help you get there.
Why Choose Affordable Debt Consolidation in Austin?
At Affordable Debt Consolidation, we know that life in Austin can come with unique financial challenges. Whether you're facing high living expenses, unexpected setbacks, or mounting credit card debt, we're here to help you find a way forward. We serve only Texas residents, offering personalized debt consolidation programs with fees up to 40% lower than national providers. Our Certified Texas Debt Specialists provide compassionate, straightforward support designed to help you eliminate debt and feel more in control of your future.
How to Get Started with Debt Consolidation in Austin
Getting started is simple and stress-free. You can fill out our secure online form whenever you're ready, or give us a call to speak directly with a Certified Texas Debt Specialist. We'll listen to your situation, answer your questions, and walk you through your options. Our goal is to make the process clear and comfortable—so you can take the first step with confidence.
Contact Us
Phone Number: 512-960-4733
Business Hours: Mon–Sat 8am–6pm
Corporate Office: 40 NE Interstate 410 Loop, San Antonio, TX 78216
Additional Resources for Austin Residents
FAQ'S
- 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.
- We provide an affiliate platform to shop many different lenders for credit card Debt Consolidation Loans up to $100,000.
- We also offer an affiliate program to reduce interest rates without new loans and our Texas Debt Relief program to negotiate significant balance reductions.
- We can assist if you are facing creditor lawsuits.
- Phone and office consultations are free with no obligation.
- 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.