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, 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.

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.

It is illegal for any company to make such a guarantee. We will provide a realistic good-faith estimation using historical settlements from nearly two decades of experience and factoring in the specific creditors you owe. We have found it common for many other companies to make unrealistic claims and “bait and switch” their clients. These tactics are often uncovered by reading the Better Business Bureau complaints. One of the largest out-of-state Debt Relief companies was sued by the federal government and several state governments for charging high fees and providing unrealistic outcomes. Our goal is for our clients to graduate sooner than estimated as much as possible, although some clients will be enrolled longer than estimated due to a variety of factors. Affordable Debt Consolidation will not give you an unrealistic expectation to convince you to enroll. Speak to one of our Texas Debt Specialists if you want an honest evaluation. We will always work hard on your behalf to save you the most money possible.