Our Texas Debt Specialists assist Texans with multiple programs our company offers and by our highly rated partners. Credit counseling is one option available to lower interest rates with most credit cards. Debt relief using debt settlement to negotiate significant reductions in the amount you pay back to your creditors is another option. Either option will allow you to consolidate debt with one monthly program amount. We also assist Texans with an exclusive Advanced Hardship Program for those who meet the financial hardship criteria.