Debt Consolidation in Action: Texas

Helping Texans overcome issues with credit card debt since 1994.

Problems with credit card debt aren’t unique to Texas, but data shows Texans tend to carry a bit more unsecured debt that other Americans. According to statistics, the national credit card debt average is $4,965, but Texans are working to reduce $5,173, on average. That puts Texas in the Top 20 states for high credit card debt – at number 14 to be exact.

With that in mind, it’s no surprise that Consolidated Credit’s certified credit counselors have worked with so many Texas residents to overcome problems with debt. Below you’ll find information about some of your neighbors that we’ve helped. If you’re struggling with debt and looking for a solution, we can help. Call or request help through our online application.

Debt statistics in Texas

The following statistics give you an idea of the challenges Texans are facing with debt today.

[1] http://www.washingtonpost.com/blogs/govbeat/wp/2013/08/20/ranking-the-states-credit-card-debt/

All other statistics are brought to you by America’s Voice on Debt (AVOD)

Credit Counseling in Action for Texas residents

The following case studies are from real Consolidated Credit clients who live in Texas. These examples will hopefully help set your expectations how we may be able to help you if you’re eligible to enroll in a debt management program.

Paying off my debt has been simple and stress-free from the beginning. Everyone has been very helpful and supportive. I never thought I’d ever be out of debt but in less than a year I will achieve my goal!

Where she started:

  • Total unsecured debt: $15,698.00
  • Estimated interest charges: $8,912.28
  • Time to payoff: 11 years, 1 month
  • Total monthly payments: $627.92

After DMP enrollment:

  • Average negotiated interest rate: 5.73%
  • Total interest charges: $2,459.65
  • Time to payoff: 4 years, 10 months
  • Total monthly payment: $303.00
Time Saved:
6 years, 3 months
Monthly Savings:
$324.92
Interest Saved:
$6,453.33
Consolidated Credit was the best thing I could have ever done. They were honest, caring and understanding with me. I have recommended them over and over to others.

Where she started:

  • Total unsecured debt: $28,957.00
  • Estimated interest charges: $16,445.78
  • Time to payoff: 15 years, 4 months
  • Total monthly payments: $1,176.32

After DMP enrollment:

  • Average negotiated interest rate: 10.35%
  • Total interest charges: $3,594.00
  • Time to payoff: 4 years 3 months
  • Total monthly payment: $627.00
Time Saved:
11 years, 1 month
Monthly Savings:
$549.32
Interest Saved:
$12,851.78
Everyone has been very helpful and informative. Thanks, Consolidated Credit!

Where she started:

  • Total unsecured debt: $8,251.00
  • Estimated interest charges: $4,455.58
  • Time to payoff: 10 years, 5 months
  • Total monthly payments: $334.12

After DMP enrollment:

  • Average negotiated interest rate: 2.22%
  • Total interest charges: $741.27
  • Time to payoff: 3 years, 10 months
  • Total monthly payment: $196.00
Time Saved:
6 years, 7 months
Monthly Savings:
$138.12
Interest Saved:
$3,714.31

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

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