Houston Debt Consolidation

Our nonprofit credit counseling service has helped Houston residents in need of debt consolidation and debt relief find stability and defeat heavy credit card and other unsecured debt for over twenty years now! We offer residents of Houston a free, no obligation debt consultation that can be done on the phone or online with a certified credit counselor.

Will Debt Consolidation Help?

  • Get a free financial assessment
  • Learn about your options
  • Find a plan that fits your budget
  • Reduce interest rates and stop late & over limit fees
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Using Debt Consolidation in Houston Texas

Debt Consolidation Can Be the Right Option for Residents of Houston, Tx

The city of Houston, TX finds itself in the midst of a population boom infusing the area with youthful vibes. Flocking from all around, new residents consider the city progressive and trendy. With a turn in demographics, nearly 29% of Houstonians are age 18 or younger. The median age is 33 years old. The area has long since been dependent on the abundant energy industry, while recently finding strength in manufacturing, professional, and business services.

Like much of Texas, Houston has benefited from a well-developed statewide financial literacy program that strives to make relevant resources highly visible and accessible. The area can count many other factors to their advantage as well. Houston boasts higher salaries ($80,000 median household income) and hourly wages (6% greater) than national averages while maintaining a lower cost of living. These statistics may explain why Houstonian households carry less credit card debt and appear to manage it better than many other big city residents.

Unfortunately, many households do not find themselves in similarly healthy circumstances. Population growth can mean positive impacts to local economy. It can also mean unfavorable competition in the job market. Houston’s population growth has also occurred because of an increase in births per death. It might be concluded that Houstonian families might bear some burden in financially supporting larger households. Another impediment to healthy finances could be that some of the largest local industries have seen slowing and some have come almost to a halt. For some time, the construction and oil industries have faced obstacles. Surely, this has contributed to a continued rise in the unemployment rate which in 2017 surpassed the national average by .6%. These factors are enough to cause any household to go into debt to make ends meet or to secure stability, only to end in more stress. Debt can quickly trap individuals and leave them searching for solutions and debt relief.

We can help you find answers. Our certified credit counselors can guide through the process of rehabilitating your finances while offering you tools such as household budgeting, credit score building and repair, and debt consolidation to free you from oppressive creditors. Everyone deserves to live without worry. With our resources at work, your only worry will be someone starting a Twitter feud with your home girl Beyoncé.

Financial Resources:

Free YourLife Finance Classes for Women and Girls

Financial Literacy Coalition of Central Texas Programs

Houston Public Library Personal Finance Resources

Texas Financial Resource Guide