TexasDebtRelief.org
Texas' Trusted Name In Debt Relief
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People with multiple credit card debts may be surprised to see how much money debt relief can save each month — AND how quickly they can get out of debt with a monthly debt relief plan
— TexasDebtRelief.org
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Texas Debt Relief – How It Works
Over the years one of the most common questions we get from people who come to our site is "How does it work?"
This video explains how the free debt relief savings estimate works, how debt relief programs work and if there is any cost.

Credit Counseling

If you are struggling with credit cards and other unsecured debts and in need of relief, credit counseling is something that may allow you to get much needed debt relief-while regaining control of your finances. Consumer credit counseling has become more and more popular in recent years as credit card companies have extended "easy" high-interest rate revolving credit card offers to countless numbers of consumers who have quickly accepted these offers, then accumulate high credit card charges to the point that balances are unmanageable and debt relief is needed.

Credit Counseling-Debt Relief

If you are faced with debts that have gotten out of control and need to reduce interest rates, lower payments, or have late fees and penalties waived, a debt relief plan through a credit counseling agency may be just what you need to get back on track financially.

To see what debt relief could do for you, and how much you could save, answer a few simple questions online to begin your free debt relief savings quote at no obligation.

Types of Credit Counseling Services

While the credit and banking crisis of recent years in Texas and nationwide has greatly reduced the number of these easy-credit offers, the damage for many consumers has already been done and credit counseling services, non-profit credit counseling, and christian credit counseling services have all become more and more popular as way to pay off, consolidate, or reduce out-of-control debt to a manageable level.

It is important to note, that regardless of the type of credit counseling service that consumers use, the basic service being provided is quite similar-so the important thing is that you clearly understand the actual debt reduction or debt consolidation benefits provided via debt management plans. Once you clearly understand how much money you are likely to save, and how long your debt reduction program will last, you can then choose a credit counseling company that treats you with respect, has a strong Better Business Bureau (BBB) rating, and a track record of serving debt relief clients with honesty and integrity.

Consolidating Debt with Credit Counseling

Here's how consumer credit counseling agencies in Texas typically work to help consumers pay-off, consolidate, or reduce debts as quickly as possible. The credit counselor will provide a free debt relief consultation or analysis for consumers, either in person or over the phone. In the initial meeting, the credit counselor will ask the individual in debt for a list of unsecured debts, such as credit cards, store cards, gas cards, medical bills, cell phone bills, utilities-basically almost any debt that is not secured by real property, such as a home or car. Once the credit counselor has a good understanding of the individual's debt obligations, they will then access how much money that individual has coming in each month to meet those obligations.

Finally, with the necessary information at hand, the credit counselor can make proposals to each of the creditors requesting that they assist the consumer by reducing interest rates, waiving fees and penalties, lowering payment requirements, and even extending payment terms. Eventually, all creditors who accept these proposals are part of a debt management plan (DMP) that allows the debtor to make one, easier, more manageable payment each month to the credit counseling service who will then distribute those funds to each of the creditors.

Getting Out of Debt Faster

Since credit counseling debt management plans normally require the consumer to stop using credit cards and accumulating new credit cards, individuals, hopefully, are able to get out of debt faster by paying off their debt on a disciplined month-to-month program that is defined and predictable. And, since lower interest rates are normally in effect, more of the payment made each month goes to actually reduce or eliminate the debt. It is a sad fact of life that if people simple pay monthly minimums all of their lives, the true cost of credit is astronomical-often requiring an individual ten or twenty years to get off the debt treadmill. Credit counseling on the other hand through a workable debt management consolidation plan, and a little discipline, can often help a consumer become completely debt in as little as three to five years.

Freedom from Debt

The bottom line: Credit card debt counseling or consolidation is considered to be a very upstanding way to get out of debt or pay off debts at an accelerated rate. Essentially you are saying to the credit card companies, "I am in debt but want to get on a plan where I can pay back what I owe, just at reduced interest rates and a pace that I can afford each month."

If this sounds like a debt relief option you would like to consider, you can get a free debt relief analysis and savings quote at no obligation.

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Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Detroit, MI

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Detroit, MI

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Taunton, MA

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Rosamond, CA

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
Who we're helping right now...
$35,000 debt relief savings estimate
– Austin, TX

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– Monticello, IN

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even settle debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Syracuse, IN