Debt Consolidation:
One Easy Payment,
Real Debt Relief.
Overwhelmed by Debt? You're Not Alone.
At Affordable Debt Consolidation, we help Texans simplify their finances by combining credit cards, medical bills, payday loans, and more into one manageable monthly payment.
See What You Qualify for
Book Your Free Debt Consolidation Review
How Much Debt Do You Owe?
$63,000
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Local Texas news outlets often turn to us not just for tips, but because we deliver the most effective debt consolidation solutions available, backed by experience and proven results.
Affordable Debt Consolidation in Dallas, Texas
Dallas, Texas residents can take control of their finances with our affordable debt consolidation services. Whether you're managing credit card debt or multiple high-interest loans, we offer tailored debt consolidation programs and credit card debt consolidation loans built to simplify your payments. Our Certified Texas Debt Specialists work exclusively with Texans and provide expert help at rates up to 40% lower than national credit consolidation companies. Start your path to financial stability today with local solutions you can trust.
Texas Debt Relief Starts Here
If debt has started to feel like a weight on your shoulders, you're not alone—and you don't have to face it alone either. At Affordable Debt Consolidation, we help Texas residents only find real, lasting solutions to overwhelming debt. Whether you're juggling credit card balances, dealing with high-interest consolidation loans, or just trying to stay afloat, our Certified Texas Debt Specialists are here to walk with you, not push you.
We understand the unique financial challenges Texans face—from fluctuating job markets to rising living costs. That’s why we offer debt consolidation programs that are not only tailored to your needs, but also cost up to 40% less than out-of-state providers. It’s help that feels personal—because it is.
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What is Debt Consolidation?
Debt consolidation means combining multiple debts—like credit cards, medical bills, or personal loans—into a single monthly payment, often with a lower interest rate. It simplifies your financial life and can give you the clarity you’ve been craving. If you've been wondering, “Is debt consolidation a good idea?”, the answer depends on your situation—but with the right guidance, it can be a powerful step toward freedom.
Signs You May Be Ready for a Debt Consolidation Program
- You’re only making minimum payments, and your balances aren’t going down
- You’re relying on credit cards for basic needs like groceries or gas
- You’ve received collection calls or letters from creditors
- You’re feeling stressed, stuck, or just plain tired of falling behind
If any of this sounds familiar, our team is here to listen—without judgment—and help you explore debt consolidation options designed just for Texans.
Why Choose Affordable Debt Consolidation?
- Local Expertise: We serve only Texas residents. That means we understand your challenges and local laws better than national firms.
- Lower Fees: Our fees are 40% lower than most out-of-state credit consolidation companies.
- Client-First Service: You’ll work with a real person who listens, explains your options clearly, and stays with you every step of the way.
We offer access to reliable debt consolidation programs for students, consolidation loans for Texas residents with bad credit, and affordable debt consolidation Texas families can trust. From credit debt consolidation to broader consolidation debt planning, we’ll help you navigate it all—clearly and compassionately.
Will Debt Consolidation Affect My Credit Score?
In the short term, your credit score might see a slight dip when starting a program, but most clients see improvement over time as they pay off debts consistently. The key is choosing the right debt consolidation program that protects your long-term financial health—something we specialize in.
Ready to Take the First Step?
Let’s talk about your options. Our Certified Texas Debt Specialists are here to help you understand what’s possible with affordable debt consolidation—and how to move forward, one manageable step at a time.
There’s no pressure, no obligation—just a simple, free conversation to see what’s right for you. Getting started is easy.
Why Choose Affordable Debt Consolidation in Dallas?
At Affordable Debt Consolidation, we know that life in Dallas can come with unique financial challenges. Whether you're facing high living expenses, unexpected setbacks, or mounting credit card debt, we're here to help you find a way forward. We serve only Texas residents, offering personalized debt consolidation programs with fees up to 40% lower than national providers. Our Certified Texas Debt Specialists provide compassionate, straightforward support designed to help you eliminate debt and feel more in control of your future.
How to Get Started with Debt Consolidation in Dallas
Getting started is simple and stress-free. You can fill out our secure online form whenever you're ready, or give us a call to speak directly with a Certified Texas Debt Specialist. We'll listen to your situation, answer your questions, and walk you through your options. Our goal is to make the process clear and comfortable—so you can take the first step with confidence.
Contact Us
Phone Number: 469-421-9500
Business Hours: Mon–Sat 8am–6pm
Corporate Office: 40 NE Interstate 410 Loop, San Antonio, TX 78216
Additional Resources for Dallas Residents
FAQ'S
- Our Texas Debt Relief services are typically 40% less than most competitors, especially out-of-state companies. This program is exclusively for Texans. Talk to one of our Texas Debt Specialists to learn about our advantages and savings over out-of-state "cookie-cutter" programs.
- We provide an affiliate platform to shop many different lenders for credit card Debt Consolidation Loans up to $100,000.
- We also offer an affiliate program to reduce interest rates without new loans and our Texas Debt Relief program to negotiate significant balance reductions.
- We can assist if you are facing creditor lawsuits.
- Phone and office consultations are free with no obligation.
- 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 by utilizing a high-rated resource. Our Texas Debt Relief program uses Debt Settlement to negotiate significant reductions in the amount you pay back to your creditors. Credit Counseling programs can lower interest rates on credit card debt without a new loan. We also provide our 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. We can also arrange a free consultation with a highly-rated Texas bankruptcy law firm if you would like to compare bankruptcy to non-bankruptcy options.
Our Texas Debt Relief program is a Debt Settlement program offered exclusively to Texans. Debt Settlement is also referred to as Debt Negotiation or Debt Resolution. This method resolves your unsecured debt by negotiating a lower amount to pay your creditors and settling 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 based on your budget. In some cases, it can be less than half compared to making high-interest credit card monthly payments.
Consultations with a Texas Debt Specialist are entirely free with no obligation. Our Texas Debt Relief fees are performance-based, meaning clients pay our company no fees until a debt is negotiated and settled. Our settlement fees are a flat 15% of your enrolled debt and are factored into your new affordable monthly program payment. Most Debt Relief companies charge 25% of your enrolled debt, making our settlement fees up to 40% LOWER than most other companies. Our fees do not include any optional third-party fees administered by a separate provider.
It is illegal for any company to make such a guarantee. We will provide a realistic good-faith estimation using historical industry settlements and factoring the specific creditors you owe. We believe some companies make unrealistic claims and "bait and switch" their clients. These tactics are often uncovered by reading complaints about the company. One of the largest out-of-state Debt Relief companies was sued by the federal government and several state governments for 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 always work hard on your behalf to save you the most money possible.
Credit Counseling is a form of Debt Management that can lower your interest rates with credit card debt and some installment loans while providing one monthly payment. It is a form of Debt Consolidation that does not require a new loan. Credit Counseling and Debt Negotiation are both considered hardship programs, but Credit Counseling does not negotiate the balances. Only the interest rates are reduced. We can help a consultation with a highly-rated non-profit Credit Counselor if you want to pursue this option.