Yes! Affordable Debt Consolidation is a DBA of Debt Redemption Inc. registered with the Texas Secretary of State. Most people searching for debt solutions on the internet use the keyword “debt consolidation.” Often, people are unsure what type of solutions are available to them. These could include debt consolidation loans, which is the “true” form of consolidation, but it could also include a credit counseling debt management plan which is consolidation without a new loan. While debt negotiation is not debt consolidation in the technical sense, many people still consider it a type of consolidation since it is only necessary to make one monthly program payment even though the debts are not paid on a monthly basis. Instead, the debts are resolved one by one in a program estimated somewhere between 24 to 48 months in most cases.