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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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  1. 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.
  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 any new loans, in addition to our Debt Relief program to negotiate significant balance reductions.
  4. We can assist if you are facing creditor lawsuits.
  5. In-person consultations are available at some Texas office locations.
  6. Affordable Debt Consolidation is 100% veteran-owned, Texan-owned, state-licensed, and accredited 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 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.

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.

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.

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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.

Affordable Debt Consolidation

40 NE Interstate 410 Loop #565, San Antonio, TX 78216

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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