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Debt consolidation can be an excellent financial strategy, depending on your situation. But it’s not a decision you want to rush into. Asking these questions can help you navigate your choices, so you can make an informed decision before you proceed.
When you choose debt consolidation in Rowlett, Texas, you are combining multiple debts into a single payment. That makes it easier to pay the debt. You only need to keep track of one payment deadline. You can also apply for a loan with a lower interest rate or lower monthly payment, so it works with your budget. That doesn’t mean the loan eliminates the debt. It only makes it easier for you to pay off.
Debt consolidation isn’t the only way to manage your situation. You can also use a debt management program or debt settlement in Rowlett, Texas. Debt settlement involves paying less than the amount you owe. However, there are pros and cons to these options. A credit counseling program can lower your interest rates and payment without a new loan but may negatively affect your credit. Debt settlement can negotiate balance reductions to save you substantial money, but it will negatively affect your credit. However, if you are struggling to pay your debt, this option can resolve debt in as little as 24 to 48 months so you can begin rebuilding your credit again.
Before looking for debt relief services, consider the firm’s reputation. What does it do? What services does it offer? Does it provide offers from multiple lenders in the area? What credentials does it have? Is it an accredited business? Make sure they are licensed in Texas and have offices here in the Lone Star State.
Debt consolidation can come with a few risks, too. It might come with additional costs. Is your wallet ready for that? A debt consolidation loan could also raise instead of lower your interest rate if your credit score is not good. And if you think there’s a possibility that you might miss any of the payments, you’ll find yourself in a worse financial situation, so be careful. Make a budget to reduce your spending, so getting the loan will be worth it.
Call 469-663-6311 for a Rowlett Texas Debt Consolidation or Debt Relief Consultation.
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.
Debt Consolidation Rowlett, Texas, Debt Consolidation Loans, Rowlett, Texas, Credit Counseling, Rowlett, Texas, and Debt Relief Rowlett, Texas, Consultations are Free of Charge with No Obligation.
Debt Consolidation Rowlett, Texas, Credit Counseling Rowlett, Texas, and Debt Relief Rowlett, 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.