Best Texas debt consolidation options - Loans or programs?

Do you have more than one credit card and an outstanding balance your budget can't support in Texas? Do you owe money to several creditors due to some unexpected expenditures? Well, in that case you can use debt consolidation in Texas to pay back your creditors faster than you expected.

How much can you save?
Monthly payment you can afford

What do you get in debt consolidation?

A simplified payment plan without any additional interest rate and penalty charges. You're required to make only one payment per month. The payment amount will be disbursed amongst your creditors every month till your creditors are satisfied. Know more about debt consolidation

Texas debt consolidation - 2 Approaches you can get

Debt consolidation programs

  • You've a single monthly payment plan
  • Your interest rates are reduced
  • You pay less in overall
  • You don't lose your assets
  • There's no extra fees or penalties

Debt consolidation loans

  • There's only one monthly payment
  • Interest rates may or may not be reduced
  • You may pay less in overall
  • You can lose your assets
  • There's no extra fees or penalties

Oaki's tip: Debt consolidation loans in Texas may hit your income badly. So, don't take it unless you can afford it.

OVLG - What kind of debts can you consolidate in Texas?

Credit card debts

Online payday loans

Accounts in collections

Unsecured debts

Storefront pdls

Medical debts

Why is OVLG the best debt consolidation company in Texas?

There are 18 unique factors that make OVLG the best consolidation company in Texas. Curious to know about them? Just have a look below.

  • 100% Refund when you feel we could have done better
  • Received more than 360 live reviews from our clients
  • Regarded as one of the best law firms in Texas
  • Follows the state laws in Texas
  • Consolidates debts and charges reasonable fees in Texas

What makes OVLG the best company

Thu Aug, 2014 Review: LL saved $7323.11
Client satisfaction level:
* Client names have been changed to protect privacy

Why debt consolidation is a must in Texas

“Debt consolidation injects fresh oxygen to your exhausted financial life
When it is gasping for breath and needs some fresh air”

Debt consolidation is a very good option in Texas due to the following reasons:

  • It gives you an option to pay less on your debts.
  • It helps to boost your emergency fund and build nest egg.
  • It helps you get out of financial crisis.
  • It helps to cut down the interest rate.
  • It helps you rebuild your damaged credit.

Related readings

What to look for in a debt consolidation company in TX

Expertise in Texas state laws
Good negotiation strategies
Profound experience

What you can get from OVLG

Sample letters
A hope for a better financial life
Live reviews and success stories
Best legal advice in TX

Why debt consolidation loan is not a good idea

Well, Texas debt consolidation loans are not a good idea precisely because:

  • 1 They turn your unsecured debts into secured ones
  • 2 Lower interest rates but longer repayment term will make you pay more
  • 3 Unsecured consolidations loans typically have high interest rates

Other debt relief options in texas


Debt settlement: Do you want to smash debts and pay only a small percentage of what you owe? Well, debt settlement can be an option in TX.


Debt management: Do you want to control your unmanageable debts through budgeting? Well, debt management plan is an option for you.


Bankruptcy: Have you given up all your hope of paying back creditors? Well, everything is not lost yet. File bankruptcy.

Related information

State Attorney General Phone Number: (800) 621-0508
Public Service Commission Phone Number: (512) 936-7000

FTC Address:
Southwest Region Federal Trade Commission 1999 Bryan Street, Suite 2150 Dallas, TX 75201-6808
FTC Toll Free:
877-FTC-HELP (382-4357)
FTC Website Url:
CFPB Toll Free:
CFPB E-mail:
CFPB Website Url:

Last Updated on: Tue, 20 Dec 2016

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