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  • Debt Buyers will purchase your debt!
  • Substantially lower monthly payments
  • Get debts off your credit while you
    pay back creditors!
  • Zero upfront costs to enroll in
    program!
  • Become debt free in 8-15 months!

Would you like to consolidate your credit card bills and free yourself from debt?

Our debt consolidation service is here to help you!

After you fill out the short online form with your contact information, a professional debt counselor will contact you and provide a free credit card debt analysis, and discuss your options.

You may then decide if the program is right for you.

Why Consolidate Your Credit Card Bills Through Our Website?

The answer is simple. You get a free, no-obligation credit card debt evaluation from a consumer recommended company.

  • Drastically lower or even eliminate interest rates!
  • Eliminate late charges and over the limit fees!
  • Substantially reduce your monthly payments!
  • Cut the years it takes to pay off your debt, fast!
  • Consolidate your bills into one simple payment!
  • No Credit Checks, Home ownership NOT required

Overview of Debt Settlement Texas

Debt settlement is one of the most prominent solutions for debtors who are feeling overwhelmed with tons and tons of debts and bills. If you cannot pay more than the required minimum payments and if you keep on missing your repayment due dates, then you probably have a serious debt problem. If you live in the state of Texas and you are ridden with too many debts that you find difficult to deal with, it will be best if you get a debt settlement program in the soonest time possible. Within the state, you can find many law firms and credit relief companies that can extend their services to you. In addition to your local options, there are also many companies that you can find online.

Debt settlement Texas is guarded by a wide variety of state collection laws that promote efficient credit relief services. Note that while every state in the United States has some state collection laws, it seems that those which are implemented in Texas are far more beneficial for both the debtor and the credit relief company.

One of these state laws is that which notes that whenever the creditor tries to collect the debt, they are legally compelled to stop contacting the debtor if he is able to present a Cease and Desist letter and/or a Power of Attorney that notifies the creditor that the debtor has already employed the services of a credit relief company.

In addition to the first state law, Texas laws also point out that debt settlement Texas will not only limit harassment from creditors and the collection agencies; it also means that the company which has a client from Texas has the right to request the creditors to completely eliminate the calls to the debtor. However, if the debtor continuously fails to pay the agreed upon debt settlement program, the creditor can regain his right to contact the debtor directly after notifying the third party involved.

Also, if you availed a debt settlement Texas, your monthly wages and your home will be protected through a 100 % homestead protection, provided that you haven't declared your house as a collateral property on one of the debts that you previously agreed upon. This protection provides the creditor with more reasons to allow a client to settle the debts even in reduced amounts. Moreover, since Texas state laws provides the creditors with more incentives to settle with their clients, those who reside in Texas are provided with stronger negotiating points than those who reside in other states.

If you decide to get a debt settlement Texas, your creditors will have no right to garnish your wages or your home unless you have authorized them in writing. The downside is the fact that creditors are capable of seizing the cash available in your bank account. That is why you need to make sure that your bank account information is confidential and protected.

However, it should be noted that most people who have multiple debts do not have huge savings account. As a result, there will be not much to seize away in the event that the creditor pursues legal charges against the debtor. This provides the creditor with more reasons to settle. Thus, the debt settlement company will have a greater chance of pursuing a repayment program with reduced interest rates and even a totally lowered debt.