According to Forbes, the average credit card interest rate is 23.77%, and the Federal Reserve Bank of New York recently reported the largest surge of credit card debt in 20 years. As rates continue to rise, it is no surprise that many Texans are finding it difficult or impossible to pay credit card payments. If you are struggling with $30,000 to $100,000 or more of credit card debt, Tim Wilkins with Affordable Debt Consolidation can help.

What are the options for viewers struggling with credit card debt or personal loans?

“Sometimes debt problems are solved using our affiliate platform of lenders to find a low-interest debt consolidation loan up to $100,000. By locking in a low rate now, you won’t have to worry about future rate hikes, and the payment might be much lower. A credit counseling program could lower interest without a new loan. We also offer our Texas Debt Relief program to negotiate substantial reductions of your debt balances. In many cases, these programs could cost less than half compared to minimum payments while resolving debt in as little as 24 to 48 months.”

You mention that not all debt relief services are created equal, and some are very expensive. Why should Texans avoid many of these out-of-state debt relief services we see on social media and cable TV?

“First, you have to ask if it is even a real company. Some debt relief services are lead generators selling your information to the highest bidder. Well, that highest bidder could be charging you enormous fees, they might not be licensed in Texas or could provide a shoddy service. Most out-of-state companies are likely to charge you up to 40% higher fees than our Texas Debt Relief service when comparing apples-to-apples. Affordable Debt Consolidation is headquartered right here in the Lone Star state.”

Where can viewers check Affordable Debt Consolidation’s reviews?

“Check us out, we help Texans exclusively, and we feel we do it better than the national companies offering what we like to call cookie-cutter programs across the country. Go to AffordableDebtConsolidation.com/KXAN and click on our Better Business Bureau link to read our client reviews from other Texans who were struggling with very large credit card debt before we helped.”

How can KXAN viewers get help right now if they struggle with $30,000 to $100,000 or more of credit card debt or personal loans?

“Make the call, don’t wait until another round of credit card payments is due, and you throw more money away to high interest. Talk to one of our Texas Debt Specialists right now at 800-816-1003 or visit AffordableDebtConsolidation.com/KXAN so you can start the path of financial freedom today.”

Call Affordable Debt Consolidation for a free, no-obligation consultation at 800-816-1003 or visit AffordableDebtConsolidation.com/KXAN.

This segment is paid for by Affordable Debt Consolidation and is intended as an advertisement. Opinions expressed by the guest(s) on this program are solely those of the guest(s) and are not endorsed by this television station.