Contact us if you have high levels of credit card debt or personal loans that have become burdensome or if you are facing financial hardship from high-interest rates, income loss, medical expenses, or divorce. Our programs could be a great option if you are barely keeping up with your minimum payments and the balances keep growing. If you have no savings, investments, or retirement and your extra money is lost to high-interest debt month after month, talk to one of our Texas Debt Specialists to learn about your options. Our programs can also help if you are delinquent and your creditors are using collection agencies or attorneys to collect. If a lawsuit has or may be filed by one of your creditors, we have special Texas-based resources to help you. Learn your options to resolve debt as quickly and affordably as possible without bankruptcy.