Choose Your Debt Amount

$35,000

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Excellent

A+ BBB Rating with Zero Complaints

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Resolve Credit Card Debt and Personal Loans in as Little as
24 to 48 Months

Options for interest reductions or negotiated balance reductions

Credit card debt consolidation loans up to 100K

Facing a creditor lawsuit?
Contact us right away for affordable assistance

We are a 100% veteran-owned and Texas-based company serving Texans for two decades. Our Texas Debt Relief service is performance-based, and our fees are 40% LESS compared to most out-of-state competitors.

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FAQs

As a Texan, why should I choose Affordable Debt Consolidation in Texas?

Our Texas Debt Relief services are typically 40% LESS compared to most competitors, especially out-of-state companies. Our program is exclusively for Texans. Talk to one of our Texas Debt Specialists to learn about our advantages and savings over the “cookie-cutter” programs offered by other companies.
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 any new loans, in addition to our 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, and accredited with an A+ Better Business Bureau rating.

What are my options to resolve overwhelming debt?

Our Texas Debt Specialists assist Texans with multiple programs offered by our company and our highly rated partners. Our affiliate Credit Counseling program can lower interest rates on most credit card debt without a new loan. Debt Relief using Debt Settlement negotiates significant reductions in the amount you pay back your creditors. We also offer an 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.

Do you lend money to pay off debt?

Affordable Debt Consolidation is not a lender. We offer an affiliate platform to shop dozens of lenders who provide credit card Debt Consolidation Loans to Texas residents in addition to our Debt Relief services. Shopping multiple lenders with our affiliate platform is free, and it will give you an advantage compared to applying with an individual lender. Another benefit is that reviewing the offers from many lenders will not impact your credit score. If you have been previously unable to qualify for a Debt Consolidation Loan, speak to one of our Texas Debt Specialists about our affiliate platform or about options to resolve debt without the need for any new loans. Our Debt Relief programs often provide a monthly program payment of less than half compared to high-interest minimum payments.

What is Debt Negotiation?

Debt Negotiation is also referred to as Debt Relief, Debt Resolution, or Debt Settlement. This method resolves your unsecured debt by negotiating a lower amount to pay your creditors and settle 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 often less than half compared to making high-interest credit card monthly payments.

What do I need to qualify for Debt Relief?

You Must Be a Texas Resident.

You Must Be Struggling With $10,000 or More Of Debt.

You Must Have High-Interest Credit Cards or Personal Loans.

You must have a verifiable source of income.

This won't affect your credit score.

Recent internet article

Debt Consolidation in El Paso Texas and Debt Relief in El Paso Texas

In El Paso, Texas, managing debt can be a daunting task for many individuals. The growing need for services such as debt consolidation and debt relief El Paso Texas, highlights the severity of the issue. Various debt relief options are available to help manage and ultimately reduce your debt in a structured manner.

Debt consolidation and Debt Relief El Paso Texas are two prominent methods to manage overwhelming debt without filing for bankruptcy. Most residents prefer these alternatives as they aim to ease the financial burden without the long-lasting effects that bankruptcy can bring. Let’s delve into the specifics of these options.

Debt Consolidation in El Paso, Texas

Debt consolidation in El Paso involves taking out a single loan to pay off multiple debts, ideally with a lower interest rate. This way, you only have to manage one monthly payment, making it easier to manage your finances. However, it’s important to note that qualifying for a debt consolidation loan usually requires a good credit score. If your credit score is below 720, it might be challenging to secure a loan with favorable terms. Your income will also play a significant role in determining your eligibility for a debt consolidation loan in El Paso, Texas.

Credit counseling is another debt consolidation option available in El Paso

This involves enrolling in a debt management plan, which does not require a high credit score and could significantly reduce your interest rates. However, only unsecured debts, such as credit cards or personal loans without collateral, are usually accepted in a credit counseling debt management plan. Not every unsecured debt will qualify for consolidation in El Paso with a credit counseling debt management plan.

If you opt for credit counseling, you will make a single monthly payment for all your enrolled debts, which will then be distributed among your creditors.

Debt Relief El Paso Texas

Debt is a common issue for many residents in El Paso, Texas. If you owe back payments to the IRS, it can lead to a lot of stress and anxiety. Debt Relief El Paso Texas involves negotiating with the IRS to settle your outstanding balance for less than the amount owed or setting up a manageable payment plan. It’s advisable to seek the assistance of professionals in debt relief or experienced negotiators in El Paso Texas who can help you navigate the IRS regulations and negotiate on your behalf.

Debt Relief Specialists El Paso Texas can offer expert assistance in managing and reducing your debt. They can help negotiate with your creditors to lower the interest rates, waive late fees, and sometimes even reduce the principal amount owed. Additionally, Debt Relief El Paso Texas can aid with creditor lawsuits and offer guidance on bankruptcy and other debt management options.

Choosing a Local Texas Company

It is crucial to choose a Texas-based debt consolidation or Debt Relief Center El Paso company if you are residing in El Paso. Out-of-state companies may not be aware of the consumer protection laws specific to Texas, which could provide additional benefits if utilized for debt relief in Texas. Debt Redemption Texas Debt Relief is a company with multiple offices in Texas, providing a range of debt management services, including credit counseling, debt negotiation, and debt settlement in El Paso. They do not provide debt consolidation loans but can make recommendations based on individual situations.

In conclusion, managing debt can be overwhelming, but various options are available to help you regain control of your finances. Whether it’s through debt consolidation loans, credit counseling, seeking assistance from Debt Relief El Paso Texas, or professionals in El Paso, Texas, it is possible to overcome your financial burdens and work towards a stable future.

Call Debt Redemption at (915)-701-2750 to learn about your options for Debt Relief Center El Paso and debt consolidation in El Paso. A Texas Debt Specialist will explain all your non-bankruptcy options and provide free consultations with no obligation.

Affordable Debt Consolidation

500 N Oregon St 2nd floor, El Paso, Texas 79901

Affordable Debt Consolidation is not a lender but offers a platform to receive offers from participating lenders. Debt enrolled in credit counseling generally receives an interest rate between 6% and 11%. Debt negotiation clients who make their scheduled monthly program payments generally experience an approximate 45% reduction of their enrolled balance before fees or approximately a 30% reduction after payment of settlement fees of 15% over an estimated 24-48 month period. Settlement fees and estimates do not include a $9.95 a month special purpose account fee or any optional and separate services such as those provided by Texas attorneys. 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. We do not charge settlement fees until a debt balance is reduced and at least one payment is 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 full balance. Programs are available in Texas. Affordable Debt Consolidation is a DBA of Debt Redemption Inc. registered with the Texas Secretary of State.