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Debt Consolidation: Lubbock (TX)

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We match people in Lubbock, TX, with debt consolidation advisors who assist them to:

  • Decrease their monthly payments
  • Bring down their APR rates
  • Lower debt collection calls

Usually, debt consolidation requires paying back your debt in full. This is typically better for your credit rating in the long run than settling with your creditors for a reduced sum (debt settlement).

Don’t delay. Discover how much a debt consolidation agency in Lubbock, TX, will save you.

Debt Consolidation in Lubbock TX

Most commonly, debt consolidation in Lubbock, TX, entails working with an expert to manage debt through a debt management plan.

These plans, often affiliated with a credit counseling firm, enable you to repay your debt completely in 36-60 months with a single monthly payment. The benefits are considerable: reduced interest levels, payments, and fees. Normally your creditors begin supplying these benefits following ninety days of on-time payments. What’s more, these types of plans are generally rather very affordable.

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A debt consolidation loan can lower your expenses in the end simply because unsecured personal loans and home equity loans typically have lower interest rates than what you’ve been spending on your credit cards. Rather than posting checks to an array of credit card companies every month, you will only have your installment payment.

It goes without saying, you’ll need very good credit to get this kind of loan. Also, it will not allow you to pay off your debts any more quickly. In fact, it may take longer. To figure out whether a debt consolidation loan is the right solution, you really need to speak with a firm that offers debt consolidation in Lubbock, TX.

Consolidating Payday Loans in Lubbock (TX)

Payday loans are now a huge issue for people in Lubbock.

Locals 1 Payday Loans 2 Payday Loans Overdue
219,631 11,421 8,680 5,025

Are you currently past due on a number of payday cash advances? You’re alright, we can help you find payday loan consolidation companies in Lubbock, TX,.

Want to find out more? Click on this link cash advance laws in Texas.

Debt Assessment: Lubbock, TX

Debt Consolidation Companies Lubbock TX

Let’s look at the ideal monthly debt for a typical resident of Lubbock, TX:

Annual Income Monthly Income Optimal Monthly Debt Excessive Debt Load
$15,689 $1,307 $471 $654

If your debt to income ratio is greater than 50%, it is time to get in touch with a debt consolidation expert in your area.

Debt Consolidation Providers: Lubbock (TX)

  • Consumer Credit – Budget & Finance Counseling Service, 1220 Broadway, 79401
  • Financial Freedom, 1220 Broadway, #1906, 79401
  • Huffman Elizabeth S, 1706 14th St, 79401
  • Certified Credit Counseling Centers, 5730 63rd St, 79424

Lubbock TX Debt Consolidation

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