At Debt Consolidation Texas, we help you combine your debts into one single payment amount.
For a free debt consolidation assessment, just contact us. Debt Consolidation Texas can connect you with a debt consolidation agency taking into account:
- How Much Debt You Have.
- Where You Live (Mesquite).
- Various Other Factors.
Debt Management Plans (DMP) in Mesquite (TX)
The most popular type of debt consolidation in Mesquite, TX, entails managing debt through a debt management plan.
This DMP offers quite a few benefits:
- Just One Payment Per Month
- Cheaper Apr’s
- Reduced Late Payment Fees
Furthermore, these types of plans are generally quite affordable.
Mesquite, TX Debt Consolidation Loans
Debt consolidation loans are available in two varieties: unsecured loans and home equity loans. The second is most popular.
The many payments you were mailing to varied banks will be consolidated into one single payment amount, your Mesquite debt consolidation loan’s payment.
Unlike other Mesquite debt consolidation programs, you won’t have a coach steering through each step as you would have during credit counseling, and the amount you owe won’t be reduced as it is during Mesquite TX debt settlements.
Is a debt consolidation loan a good idea?
The inflated rates imposed on payday loans in Mesquite, TX, mean that payday debt climbs at a surprising rate. Something like 7,715 people in Mesquite get cash advances one or more times per year, and about 3,394 of these loan takers can’t repay these payday loans. This is almost half! Are you past due on a number of payday advances? No worries, we can help you find Mesquite TX payday loan consolidation services that will:
- Consolidate two or more payday advances.
- Minimize inflated payday loan interest levels.
- Set up a budget for repayment.
- Lower debt collector phone calls.
Isn’t it time to break free from payday loan debt?
Mesquite, TX Debt Loads
If at all possible, the amount of debt you owe on a monthly basis will make up about one third of what you make. Such debts incorporate all the debts you owe every month, whether secured or not:
- Credit Card Accounts
- Any Loans
- Rent or Home Loans
Let’s say you earn $3,398 every month, which is about average average for someone who lives in Mesquite, then, preferably, you would spend less than $1,223 monthly. Of course, many Mesquite residents are carrying considerable debt, with a debt to income ratio (DTI) of 50% or more. They’re spending more than $1,733 monthly!
Are you carrying at least $10,000 in credit card debt? If so, you need to consult a debt consolidation expert near you.
Credit Card Debt Consolidation Guidelines
How can you see whether a debt consolidation agency in Mesquite, TX, is reputable or not? Avoid them if they:
- Make you pay in advance
- Aren’t able to offer testimonials
- Are not qualified
- Advertise thata their programs don’t affect your FICO
- Declare that govt programs will forgive your debt
- Fail to give you basic information
- Has a bad Better Business Bureau (BBB) review
- Have you open up a savings account at a non-FDIC firm
Be sure to check into your Mesquite payday loan debt consolidation company prior to signing up.
Credit Card and Payday Loan Consolidation Firms in Mesquite, TX
- Consumer Credit Counseling Service, 3939 Us-80 E, 75150
- Consumer Credit Counseling, , 75180