Enrolling in a Debt Negotiation program alone will not stop creditors or debt collectors from calling you.  Even if creditors know they will ultimately receive a settlement in full, individual debt collectors are usually paid a commission based on the amount they collect from you.
Therefore, they may call you directly in attempt to collect more money than our negotiators will arrange.  Texas has specific consumer protection laws that protect you in addition to the federal Fair Debt Collection Practices Act.  When enforced, the Texas Finance Code can prevent nearly all harassment from original creditors in addition to third-party debt collectors.  Affordable Debt Consolidation has an exclusive and affordable arrangement with who we feel is the highest-rated debt defense attorney in Texas.  By retaining the attorney, in addition to our program, Texas law will make it illegal for debt collectors to call you.  Instead, they will only be authorized to call the law firm or our settlement representatives.
The legal representation is optional and separate from our Debt Negotiation service.  The cost of both services combined may be comparable or less than out-of-state competitors that do not have the ability to offer this type of legal service through a specialized law firm.  We do not know of any other company inside or outside Texas that can offer this level of optional legal protection.  All other companies we know of can only provide a reactionary legal insurance plan that does not mandate the creditors to talk to a law firm rather than you.  If you do not utilize this optional legal service, our negotiation team will help reduce the number of calls you receive as much as possible.  However, most creditors and debt collectors will attempt to call you until the debts are settled