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  1. Our Texas Debt Relief services are typically 40% less than 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 other companies' “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 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 to 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.

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 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 often less than half compared to making high-interest credit card monthly payments.

Consultations are entirely free with no obligation. Our Debt Negotiation 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 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 settlements from nearly two decades of experience and factoring in the specific creditors you owe. We have found it common for many other companies to make unrealistic claims and “bait and switch” their clients. These tactics are often uncovered by reading the Better Business Bureau complaints. One of the largest out-of-state Debt Relief companies was sued by the federal government and several state governments for charging high fees and 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 will always work hard on your behalf to save you the most money possible.

Credit Counseling is a type 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 have an arrangement 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 40% higher fees with a competitor.

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

If you are a Texas resident and qualified for our Debt Negotiation 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 $250 Visa gift card with the following simple requirements:

  1. As state law requires, the competitor is registered with the Texas Office of Consumer Credit Commissioner.
  2. The Better Business Bureau rates the competitor “A” or higher.
  3. We receive verifiable written proof of the competing offer.

The guarantee only applies to our performance fees for Debt Negotiation services 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, medical bills, department loans, payday loans, and most other unsecured debts. 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 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 Negotiation 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 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 an exclusive and affordable arrangement with who we feel is the highest-rated debt defense attorney in Texas. By retaining the attorney, in addition to our program, Texas law will make it illegal for debt collectors to call you. Instead, they will only be authorized to call the law firm or our settlement representatives.

The legal representation is optional and separate from our Debt Negotiation service. The cost of both services combined may be comparable or less than out-of-state competitors that do not have the ability to offer this type of legal service through a specialized law firm. We do not know of any other company inside or outside Texas that can offer this level of optional legal protection. All other companies we know of can only provide a reactionary legal insurance plan that does not mandate the creditors to talk to a law firm rather than you. If you do not utilize this optional legal service, 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

Since we only service Texans, we are very efficient at it, and we do not have the high national advertising expenses of “national” Debt Relief companies. Therefore we can provide a very high level of customer service with performance fees that are typically 20 to 40% LESS compared to out-of-state companies. We also understand the specific consumer protection laws in Texas to help leverage these laws to your advantage. We have found many out-of-state companies are charging Texans high fees well above our state regulation. In contrast, our performance fees are significantly lower than the state regulation.

A scary truth is some out-of-state companies are not licensed in Texas. Any Debt Management or Debt Relief company doing business with Texas residents and not registered with the Office of Consumer Credit Commissioner is breaking the law. It is not hard to imagine how a company that violates the law will treat its clients. Any Debt Relief company should also provide an honest and realistic estimation of your potential savings and the amount of time it will take to resolve the debt.

Federal and state law prevents Debt Relief companies from charging their fees until after a debt has been settled. When researching any company, check the Better Business Bureau report at Read how long the company has been in business, Accreditation, rating, and review any complaints filed against the business as this is one item companies cannot hide or use fake reviews to hide.

To achieve forgiveness of a large portion of debt balances, the debt must be delinquent to demonstrate a hardship. While most individual debts enrolled do not experience a lawsuit, any time you do not follow the original lending agreement, the creditor has the right to use the civil court system as a method of debt collection. However, most creditor lawsuits can be avoided by prioritizing settlement on debt at risk of a lawsuit. Texas also has very high consumer protection laws compared to most other states, making it difficult or impossible for a creditor to collect a judgment in many situations making this method of debt collection much less attractive to creditors. Lawsuits are not the preferred method of collecting a debt for any creditor. We have extensive experience with this method of debt collection in Texas as we enroll many clients with pre-existing lawsuits.

Many of our clients utilize an optional affordable legal representation from whom, in our opinion, is the very best debt defense attorney in Texas. This highly rated and awarded attorney is not available as a separate option with any competing Debt Relief company. The advantage of having the attorney retained upfront is that creditors will understand that you will have representation, providing additional protection to minimize lawsuits. The attorney will also take action in an attempt to avoid a lawsuit whenever necessary. If a creditor still filed a lawsuit, the Texas debt defense attorney will represent you and protect your best interest.

Although the legal representation is optional and separate from our Debt Negotiation service, our performance fees are 20 to 40% less than most competitors. Our much lower fee makes the cost of adding the optional legal representation with the highly rated attorney that much more affordable. If you utilize the optional legal representation, the law firm will also handle all creditor calls on your behalf to have peace of mind while your debts are resolved throughout the process.

Alternatively, we can provide a reactionary only “pre-paid legal” or “legal insurance” plan like most competitors at the lowest cost possible. This plan will not give any upfront legal representation but will find you an attorney to represent you if you experience a lawsuit while enrolled. The legal insurance plan plus our Debt Negotiation plan provides an “apples to apples” level of service compared to most competitors. However, with performance fees usually 20 to 40% LESS than a competitor, the savings using us is huge.

Clients usually enroll all unsecured debts with balances over $1,000. You may keep out an unsecured debt with a balance under $1,000 if it remains under $1,000 while enrolled. You may also keep out credit cards that you can pay down and keep under $1,000 within six months of enrollment. If enrolled creditors see that you can pay other accounts with significant balances, it could make it more difficult for your negotiator to obtain the highest possible savings for you. Your Texas Debt Specialist will discuss any exceptions after reviewing your creditors and situation.

In Debt Negotiation, we utilize a highly rated third-party company called Debt Pay Gateway. Funds are held in your FDIC special-purpose custodial account to fund settlements and pay our performance fees when they are due. We only collect performance fees after settling a debt and at least one payment is made towards the new negotiated balance.

Sometimes creditors may send you a 1099-C for the debt amount forgiven, which the IRS could consider a taxable income. The IRS provides Form 982 Reduction of Tax Attributes due to Discharge of Indebtedness. Depending on your assets, this form may exempt you from owing any taxes on the forgiven debt. According to “A taxpayer is insolvent when his or her total liabilities exceed his or her total assets. The forgiven debt may be excluded as income under the ‘insolvency’ exclusion. Normally, a taxpayer is not required to include forgiven debts in income to the extent that the taxpayer is insolvent.” We recommend speaking with your tax advisor if you receive a 1099-C.

Creditors will add some interest and possibly late fees onto your balances for at least the first few months of delinquency. We factor this additional amount upfront in our program estimations. Any amount added is included as part of the settlement, and you only pay performance fees based on your enrolled balances. It is important to keep in mind that interest is going to continue to accrue on your debts regardless of whether you are making your minimum monthly payments or not.

Yes. Some people elect to do their taxes, make significant repairs to their homes, and service their vehicles. Most people prefer to have experts in the field handle these tasks. We have seen people make mistakes and debt collectors then go after them for the total balances. Dealing with professional debt collectors can be very stressful for someone who is not trained and does not do so daily. In addition to the time, effort, and knowledge that you need, an experienced debt negotiator may have the ability to obtain lower settlements. The debt collectors that deal with consumers are highly trained to get the most money possible and usually receive a commission based on the amount they can collect from you. Our negotiators often speak to separate business-to-business representatives with the creditors and collection agencies on a professional level. Sometimes our negotiators also leverage multiple debts owed by multiple clients to negotiate a “bulk” savings. If you would like to negotiate debt on your own, our Texas Debt Specialists will provide you resources to help you succeed at no charge.

Each debt is negotiated one at a time as money accrues in your special purpose account. Negotiations usually begin at about six months into the program since this is when most creditors are willing to offer our negotiators substantial reductions of your balances. Exactly when negotiations start depends on how your program is structured, the status of your debts upon enrollment, and the creditors owed. After each settlement, you will receive a document verifying a zero-balance due.

Depending on your monthly budget, we usually estimate our programs anywhere from 24 months to 48 months, although we have had clients with the ability to complete a program in as little as three months. In extreme hardship cases, we will sometimes estimate programs out to 60 months to provide the lowest possible monthly program payment. Any Debt Negotiation program can be longer or shorter than estimated depending on the amounts of the final settlements. If you only make the minimum payments, you might stay in debt for the next 15 or 20+ years. Assuming you do not make any more charges on your credit cards, just only making minimum payments could still cost you 2x, 3x, or even 4x as much as you originally borrowed.

We believe most Texans only consider bankruptcy as a very last resort. If you qualify, chapter 7 bankruptcy can be a quick way to eliminate unsecured debt. It will remain on your credit report for ten years after chapter 7 is discharged or seven years after a three-to-five-year repayment plan from chapter 13. Bankruptcy may affect your qualification for employment, some licensing, insurance, and your qualification to buy a house long after the discharge. It is also important to understand that bankruptcy is a public record and can easily be found in background checks potentially for the rest of your life.

After the bankruptcy laws changed years ago, many more people could not qualify for chapter 7 due to their income and assets. Under chapter 13 bankruptcy, your debt repayment is restructured. This means you will pay either a portion or all your debt while still suffering consequences of bankruptcy. Debt Negotiation is an excellent alternative to a chapter 13 bankruptcy in many cases. In some cases, the Debt Negotiation program can be less than chapter 13, and in other cases, it could cost more. We are not a law firm, and we do not provide legal advice. We have a special arrangement with a very experienced Texas bankruptcy law firm to provide statewide bankruptcy services. The law firm can help you obtain an honest comparison of bankruptcy to Debt Negotiation.

Many of our clients have accumulated tens of thousands in high-interest unsecured debt such as credit cards or personal loans. Some were barely able to cover the minimum payments or have already fallen behind. The financial hardship can be caused by income loss, divorce, high-interest rates, the Pandemic, or simply due to inflation. If you are making your minimum payments but have no savings, investments, or retirement because of never-ending debt payments, talk to one of our Texas Debt Specialists today. If you haven’t made payments in months and face lawsuits from your creditors, we can also provide affordable help. Your Texas Debt Specialist will learn about your unique situation and discuss multiple options to resolve your debt as quickly and affordably as possible.

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.


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.

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