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Need Credit Counseling in Allen Texas? 7 Mistakes People Make in Paying Off Debts

There are plenty of ways to get out of debt. However, not all of them will work for you. It would be helpful to watch out for common mistakes. Paying off massive debt can be emotionally draining, so you’ll want to know what mistakes to avoid, and spare yourself the time and trouble of dealing with them in the future.

Being Too Hard on Yourself

Being overburdened with debt can compromise your sleep and lead to poor health. Many people also believe that debt is a sign of a personal weakness. Don’t waste your energy feeling sorry for yourself. Use it to work harder and find better ways to manage your spending habits, so you’ll never have to find yourself deep in debt again.

Not Knowing Your Options

Learn more about your options through credit counseling in Allen. Reaching out to experts will help you figure out the best course of action to take. Through counseling, you can learn about other debt relief programs. Evaluate those options, so you can determine which one is best for you.

Not Doing Any Research

Find a reliable company that offers debt relief in Allen. Consider the background and history of the firm. How long has it been around? What kind of services does it offer? Some credit counseling agencies only focus on debt consolidation. Does the company have the experience and knowledge to help you if you want to choose a debt settlement program?

Failing to Follow the Budget

Debt management plans are designed to help you stay on track of your monthly payments. It’s effective, but it only works if you follow the plan. If you don’t, and you start missing monthly deadlines, that will compromise future chances that you have with the program. If you don’t want to see your financial situation worsen, don’t miss any of those monthly payments.

Not Asking Questions

It’s all right to know more. Normalize having to ask questions about the process, company, or results. A list of questions will make it easier for you to stay on top of all the areas you want to cover. That will help you get a clearer sense of every credit counseling agency.

Going for Bankruptcy

There are several debt relief options you can consider. Don’t recklessly file for bankruptcy unless you’ve explored all possible ways for you to resolve your debts, unless bankruptcy is the option that you want. Remember, there are two types of bankruptcy. A chapter 7 might discharge all of your debt if you fall within the guidelines. Many people are forced into a chapter 13 repayment plan, it in some cases, it could cost more than a debt settlement program while still having all the stigma of bankruptcy.

Falling for Scams

Do your homework. Check the company’s background carefully, so you don’t fall for a scam. Research the Better Business Bureau for a Texas-based company that is licensed, Accredited, and has a high rating. There is no need to pay 25% settlement fees from an out-of-state company when you can find a company in Texas with much lower fees.

Call 469-663-6177 for a Allen Texas Debt Consolidation or Debt Relief Consultation.

Debt Redemption Client Experiences

Austin M.
Austin M.
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My wife and I lost a third of our income after the pandemic started. Our entire household was struck with COVID, which marked the beginning of our downward financial spiral. Due to late payments, the interest on most of our 26 credit cards and 186K debt hit 29%. While stepping into my truck one morning, a man handed me court documents from Discover. We knew at that point we had to do something, but we also knew we would not be able to make the debt go away in bankruptcy due to our income. We met with a bankruptcy attorney anyway to see if anything could be done, and he recommended we liquidate investments since we could not afford chapter 13 payments. I heard about debt relief companies, but my sister-in-law advised us against them after she used another company in Arizona and received non-stop harassment calls from creditors. She was also upset she had to pay that company 25% of her debt for fees.Not considering any debt relief service, my wife and I saw Debt Redemption on the Channel 5 news and found reviews of other people with large debt situations using this company specifically. Being based in San Antonio and advertising lower fees than other companies, we decided to make an appointment with Jack Brandon and ended up signing up the same day. All debt collectors stopped calling, and we never had to show up to court for the lawsuit. The lawsuit was dismissed with a savings of over 19K on the one debt alone. After two years in the program, they have settled most of our debts for less than we expected. If it werent for COVID, we would never have been in this situation, but thankfully the program is affordable with Jack and Debt Redemption doing everything they said they would and more. My wife and I will always encourage anyone who needs help with massive debt to reach out to this company.
Jonathan R.
Jonathan R.
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$147,000 between high interest credit cards and personal loans became to much to handle after our small business had a reduction in revenue. We contacted other debt consolidation type companies and besides no locations in Texas, none of them offered anything thing like what we recieved here. Jack was very professional and took a lot of time to explain several options and programs available to us. After we enrolled, the creditors stopped calling and we are paying less than a third of what we were paying the creditors with the very high interest rates. I highly recommend them if you need help with debt. Thank you!

How to Receive Debt Consolidation in Allen, Texas

The fastest way to get help is to call now. You may also select your debt amount with the slider and use the form above for a free and no-obligation consultation with a Texas Debt Specialist.

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Debt Consolidation Allen, Texas, Debt Consolidation Loans, Allen, Texas, Credit Counseling, Allen, Texas, and Debt Relief Allen, Texas, Consultations are Free of Charge with No Obligation.

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Debt Consolidation Allen, Texas, Credit Counseling Allen, Texas, and Debt Relief Allen, Texas Consultations are free of charge with no obligation. Debt Redemption is not a lender but provides a marketplace to receive offers from our network of lenders. Clients who make monthly program payments generally experience an approximate 45% reduction of their enrolled balance before our performance fee of 15% and any optional third-party fees. Individual results may vary based on the ability to save sufficient funds, ability to complete the program and the creditors enrolled. Statements made are examples of past performance and are not intended to be a guarantee that your debt balances will be lowered by a specific amount or percentage, or that you will be debt-free within a specific time period. Settlement fees are not charged until a debt is reduced and payment has been made to creditor. We do not assume consumer debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting, or legal advice. We do not provide credit repair services. Optional separate legal services may be offered by affiliated attorneys and any associated attorney fees are separate from those charged by Debt Redemption Inc. Please contact a tax professional to discuss any possible tax consequences of paying less than the full balance. Programs are available in Texas. Logos used are the property of their respective owners. 

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