Your Houston, Texas Debt Settlement Company Resolve Your Debt Without Bankruptcy
- Eliminate Debt in as little as 24 to 48 Months
- Negotiated Balance Reductions
- Low Monthly Program Payments
- No New Loans Needed
- Collection Lawsuits Accepted
We Can Assist.
Something really exciting happens after people have their first phone call with us. No matter what's going on in your financial life, we're here to help.
Why Choose Affordable Debt Care?
We are exclusively focused on helping Texans — and we cost 20% to 40% less than most out-of-state companies.
Exclusively for Texans
Our program is tailored specifically for Texas residents — not a cookie-cutter plan from an out-of-state company. We know Texas law and we fight for you.
20–40% Lower Fees
Our flat settlement fee is just 15% of your enrolled debt — significantly less than the 20–25% most other companies charge. You pay nothing until a debt is settled.
Lawsuit Help Available
Creditors are filing lawsuits against thousands of Texans. We can assist even if you are already facing a creditor lawsuit or judgment.
A+ BBB Rating
Our parent company is 100% veteran-owned, Texan-owned, state-licensed, and accredited with an A+ Better Business Bureau rating.
Two Decades of Experience
We have helped thousands of Texans resolve their debt problems over 20+ years. We know how to stop the stress of creditors and debt buyers going after you.
In-Person Consultations
In-person consultations are available at our San Antonio office. We're real people in your community, ready to sit down and help.
Multiple Options to Resolve Your Debt
Our Texas Debt Specialists work with you to find the right path — whether that's debt settlement, credit counseling, or a consolidation loan.
Debt Relief / Settlement
We negotiate significant reductions in the amount you owe. Monthly payments could be less than half of what minimum payments would cost — with no new loans required.
Credit Counseling
Our affiliate credit counseling program can lower interest rates on most credit card debt without taking out a new loan. One simple monthly payment.
Debt Consolidation Loans
We provide an affiliate platform to shop dozens of lenders offering debt consolidation loans up to $100,000 for qualifying Texas residents.
Frequently Asked Questions
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