TexasDebtRelief.org
Texas' Trusted Name In Debt Relief
Free estimate by phone 1-866-584-0769
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
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Privacy Verified
Security Seal
Need Affordable Credit Card Payments?
See how much lower your monthly credit card payment can be. It's fast and easy to see if you qualify...
  • $70,000 debt relief savings estimate 15 minutes ago in Franklin, VA
  • $30,000 debt relief savings estimate 1 hour ago in Metairie, LA
  • $30,000 debt relief savings estimate 1 hour ago in Saint Louis, MO
  • $85,000 debt relief savings estimate 1 hour ago in Pittsburg, CA
  • $45,000 debt relief savings estimate 1 hour ago in Colton, CA
  • $32,500 debt relief savings estimate 1 hour ago in Dublin, VA
BBB Accredited
Powered by Envoy

Debt Relief Options

If you are struggling with credit cards and other debts and looking or a way to reduce interest rates, remove late fees and penalties, or possibly even "settle" your credit card debt for substantially less than you currently owe, there are several debt relief options available to you.

Get a Free Debt Relief Analysis and Savings Quote at no obligation

How Debt Relief Works

Credit card debts, bills piling up, creditors or collectors calling - one or more of these situations can often become overwhelming. The good news is, there are a number of debt relief options that you can choose from to help get back on track financially. First, it is important to point out that there are steps you can take on your own to help ease the pain. Number one, you can cut back on credit card purchases that are not absolutely essential. Second, you can start paying more than the minimums each month on your cards so you don't stay on the "debt treadmill" for life. Third, you can take advantage of a variety of debt relief options that could not only help to remove stress - but possibly lower your payments, and help put you on the fast track to getting out of debt.

Debt Consolidation, Debt Management, Credit Counseling

Debt consolidation, debt management, and credit counseling are actually very common terms for a single debt relief option that is available to many consumers - who are looking to pay off debt, reduce debt, or get out of debt as quickly as possible. Here is a quick review of how this debt relief option works.

Will debt relief help? Get free debt savings quote

When you are stressed over high interest credit cards and other unsecured debts, a credit counseling agency can work with you to go over your current financial situation and review with you how you may be able to get relief from debts. You present all of your high interest credit cards and other debts for which you request to be part of the debt management plan (DMP). The credit counseling agency will then contact your creditors on your behalf and, one by one, make proposals requesting lower interest rates, a removal of late fees and penalties, and generally ask for more favorable terms with your creditors. Those creditors who accept the proposal are added to a single debt management plan to help you get out of debt.

Will debt consolidation help? Get free debt savings quote

In this way, you have combined or "consolidated" your credit cards and other unsecured debts like medical bills, store charge cards, etc. into a single lower and more manageable payment each month that you make to the credit counseling agency -who then distributes your payments to your creditors.

By not continuing to ring up new credit card charges and by sticking to a customized debt management plan (DMP), or debt consolidation program to pay off your existing debt--you may be able to simplify your life, lower your payments and get out of debts on an accelerated timetable. It is important to understand that debt consolidation-debt relief differs from a debt consolidation loan, which requires you to put up your home or other asset as collateral in order to be approved.

Will debt management plan help? Get free debt savings quote

Credit Card Debt Settlement

When high interest credit card debt and high balance credit cards become overwhelming, and personal credit has already been impacted, many people decide that debt settlement is the debt relief option that is preferable. Under debt settlement, credit card companies, depending on your financial circumstances, may be willing to "forgive" or "settle" credit card debt for substantially less than you owe.

Will debt settlement help? Get free debt savings quote

Why would credit card companies be willing to settle with you? Particularly for individuals who are struggling financially and possibly even facing bankruptcy, credit card companies may be faced with the prospect of "selling off" what is considered "bad debt" for as little as ten cents on the dollar. If they understand how dire one's personal financial situation actually is, it stands to reason that they may be open to accepting a reasonable offer to settle debt made by you or by a debt settlement company working on your behalf.

Even though credit card companies have the right to take legal action against those who default on credit card agreements, and even though personal credit is affected negatively by debt settlement, this debt relief option has become more and more popular among those who want to pay back what they can afford to credit card companies -while avoiding bankruptcy, which has an even more severe impact on personal credit.

Begin online to get a free debt relief analysis.

Saving thousands of dollars feels really good!
Know your debt relief options.
People helping people get the debt relief they need.

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
– Metairie, LA

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
– Metairie, LA

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
– Indian River, MI

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
– New Braunfels, TX

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...

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
– Tampa, FL

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
– Corpus Christi, TX