Texas Debt Relief

Texas continues to grow rapidly, but rising housing costs, medical expenses, and high interest rates leave many families struggling to keep up. From Dallas and Houston to San Antonio, Austin, and smaller communities across West Texas and the Gulf Coast, many Texans carry significant credit card debt and personal loan balances. ClearOne Advantage helps Texans regain control with personalized debt relief programs tailored to your income, budget, and long-term financial goals.

Key Highlights

• $3 Billion+ in Debt Resolved Nationwide
• A+ BBB Accredited
• Average 45% Savings Before Fees
• Certified Debt Specialists

How Debt Relief Works in Texas

Our Certified Debt Specialists work directly with your creditors to reduce what you owe and consolidate your obligations into one manageable monthly plan payment. Most clients complete their program in 24 to 51 months, depending on total debt, financial situation, and creditor agreements.

Four Simple Steps

1. Free Consultation: Review your financial situation with a Certified Debt Specialist. P
2. Personalized Plan: Get one affordable monthly plan payment tailored to your budget.
3. Resolve your Debts: We work with your creditors to lower balances and help you reach relief faster.
4. Graduate and move forward: Once your enrolled debt is resolved, you can move on and focus on what truly matters.

Debt Relief Options for Texas Residents

Debt Settlement

With many Texans facing rising living expenses, debt settlement is a common solution for those who have fallen behind on payments or can no longer afford high interest charges. ClearOne Advantage negotiates directly with your creditors so you can resolve unsecured debts for less than you owe.

Debt Consolidation

Debt consolidation allows Texans to combine multiple high-interest debts into a single predictable monthly plan payment. This option works well for people with steady income who want to simplify repayment.

Debt Management Plan (DMP)

A debt management plan can help you lower high credit-card interest rates and create a clear path toward becoming debt-free. It also allows you to pay off what you owe faster without taking out another loan.

Bankruptcy Alternatives

If debt-relief programs aren’t the right fit, ClearOne Advantage can connect you with trusted professionals who understand Texas-specific laws for Chapter 7 and Chapter 13 bankruptcy options.

Texas Debt Statistics and Financial Snapshot

• Average consumer debt: $97,767 [1]
• Average credit card balance: $6,7532 [2]
• Average student loan debt: $33,7703 [3]
• Median household income: $41,661 (one-person household) [4]
• Average credit score: 6955

Texans face rising housing prices, increased medical costs, and higher-than-average interest rates across major cities. Debt relief programs help residents regain stability and reduce financial stress while keeping up with essential expenses.

Texas Consumer Protections and Debt Laws

Texas Debt Collection Act (TDCA)

This law prohibits abusive or deceptive collection practices. Debt collectors cannot threaten arrest, misrepresent what you owe, or use harassment when attempting to collect a debt. [6]

Federal Fair Debt Collection Practices Act (FDCPA)

Texas residents are also protected under federal rules that govern how collectors must communicate and validate debts.[7] Statute of Limitations on Debt in Texas Texas provides a four-year statute of limitations on most consumer debts, including credit cards, medical bills, and personal loans. Once the limitation period expires, debts become “time-barred,” and collectors may not be able to sue to enforce payment. [8]

Texas Wage Protections

Texas offers some of the strongest wage protections in the country. In most cases, creditors cannot garnish wages for consumer debt. Exceptions may include child support, taxes, and federal student loans.[9]

State and Community Assistance Resources

• Texas Attorney General Consumer Protection Division: Report unfair collection practices and learn about debt-related rights. [10]
• Texas 211: Statewide hotline for housing assistance, utilities support, and financial aid programs. [11]
• Texas Department of Housing and Community Affairs: Foreclosure prevention and mortgage assistance resources. [12]

Why Choose ClearOne Advantage

• Proven Results: More than $3 billion in debt resolved
• A+ BBB Rating: High trust and client satisfaction ACDR Accredited: Accredited by the Association for Consumer Debt Relief (ACDR)
• No Upfront Fees: ClearOne Advantage’s fee is only earned after you approve each settlement and your first payment is made to the creditor.

Read more about why you should choose ClearOne Advantage.

Reviews from Texas Clients

“Working with Sam was exactly the clarity and peace of mind I needed. From the moment we spoke, he made me feel supported, understood, and empowered to take control of my financial situation. I was incredibly stressed about my debt, but Sam walked me through every option with patience and transparency. I decided to move forward, and now I feel like I finally have a clear path ahead. He reminded me that this is just a chapter—not the whole story—and within a year I’ll have the flexibility to pay it off or even take a loan to close it out early. That gave me the hope and confidence I needed. Thank you, Sam, for treating me like a person—not a number—and for helping me breathe again. If you’re overwhelmed and don’t know where to start, I highly recommend reaching out.”

-Sandra, Dallas, TX 

“Joshua is such a fantastic communicator. He really understands finances and debt consolidation. He was extremely friendly and straightforward in the process of helping me and I can tell he was sincere and honest in his explanations. He especially appeared confident and experienced in creating a solid plan for my budget and I really appreciate the time he took in answering ALL my questions. Thank you Joshua and ClearOne for helping me figure this out when I had no other options!!!!”

-Bridgette, Austin, TX

Read more customer reviews across the United States. Results may vary by client.

Get a Free Texas Debt Relief Consultation

Take control of your financial future today. Speak with a Certified Debt Specialist to explore your options. There is no obligation, no upfront fees, and no impact to your credit when you inquire.

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