Debt Relief

Credit Counseling: Waxahachie (TX)

One of the hardest concerns for Waxahachie residents is debt.

We connect you with credit counselors and debt management agencies in Waxahachie to get you the help you’re looking for.

Credit repair is is supposed to swiftly increase your credit score, while credit counseling focuses on managing debt and consumer education.

>> Get a Free Cost Credit Counseling Quote – Right Now!

Do I Need Debt Counseling in Waxahachie, TX?

Credit Counseling Waxahachie TX

Your debt to income ratio helps to confirm if you’re in need of credit counseling.

Income DTI Debt Level
$3,018 Less than 36% $1,086 or less No Problems
$3,018 37%-42% $1,117-$1,268 OK
$3,018 43%-50% $1,298-$1,509 Too High
$3,018 50% Plus $1,539 or More Contact a Professional!

Waxahachie, TX Debt Management

Debt management plans, often called DMPs, are virtually synonymous with credit counseling. A debt management plan is a means of consolidating debt, given that your payments to creditors will be combined into a single amount. However, there is no loan involved. You will no longer have to talk with your creditors, as your credit counseling expert will handle this.

Tips on Avoiding Credit Counseling Ripoffs in Waxahachie (TX)

As a whole, credit counseling and debt management plans have been checked out by the FTC and other state and federal authorities, but trustworthy credit counselors will usually present you with:

  • Approximately 1 Hour of Basic Counseling Sessions
  • Zero Initial Costs
  • A Personalized List of Action Items
  • Accreditation Credentials

For more information, read this FTC guide on the subject.

Some folks wrongly assume that credit counseling is useless simply because it cannot decrease your overall debt, but they don’t realize that a DMP should help reduce your interest rates – a good way to reduce costs. Curious to determine how much credit counseling in Waxahachie, TX, will save you?

Credit Counseling in Waxahachie TX

Debt Management and Credit Counseling: Waxahachie, TX

  • PWS Credit Repair, 2974 FM-1446, 75167