Texans have a credit score of about 20 points lower than the national average. This, coupled with the unsteady economy and varying unemployment rate in the country post-COVID, means that Texans are constantly on the lookout for a solution to their debt management woes.
To facilitate citizens of Texas trying to manage their debt and in many cases, invalidate it, American Debt Enders provides diverse and experienced debt resolution, invalidation, and consultation services.
Average Credit Score in Texas
According to the data collected by the credit score database FICO, Texas’ average credit score was only about 690 in 2020. This places it as the fourth worst state in the US for the same year. American Debt Enders aims to help these Texans take back control of their debt and get rid of debt collectors legally.
Debt Dispute in Texas
Many Americans stay in debt longer than they have to because they don’t receive the right kind of guidance needed to pay off debt collectors effectively. To help debtors pay off debt fast, American Debt Enders provides diversified debt resolution services. Our certified credit counselors hold several years of experience in helping Americans claim their rights set and prevent FDCPA violations by debt collectors. Usually, consumers benefit from this type of debt relief because it saves them time and helps them manage their financial situation.
This type of debt relief is beneficial for consumers since most creditors are willing to accept lower payments than the full amount due. Some of the types of debts that can be handled through American Debt Enders include student loans, credit cards, and personal lines of credit.
Debt Relief Alternatives in Texas
1. Minimum Monthly Payments
This means that continuing to make minimum monthly payments is not the best strategy to achieve debt freedom in Texas.
2. A Debt Management Plan
A credit counseling program can help you take advantage of lower interest rates to pay off your debts faster through ADE’s expert consultations. This method works for people with low credit scores and low completion rates in Texas.
3. Debt Consolidation Loan
With debt consolidation, you borrow money and use it to pay off your high-interest loans. This method leaves you with a single monthly payment that’s lower than the amount due on all of your debts.
4. Debt Settlement
Unlike debt counseling and debt consolidation, debt settlement involves negotiating the principal balance of the debts. This method is usually cheaper and faster compared to both strategies.
For people in Texas who cannot meet their debts, declaring bankruptcy is an inevitable step. This procedure stops the collection process of their creditors and allows them to focus on paying their bills. While it may seem like an easy way out, the long-term consequences of declaring bankruptcy are dire, and they can essentially cripple your credit scorer to the point that no bank would ever want to trust you with their money again.
How American Debt Enders Helps Citizens of Texas Resolve Their Debts
While it may seem like all hope is lost, you need not spend the rest of your life paying off your debts. American Debt Enders has helped thousands become debt-free through our expert consultation, dispute, and credit restoration services.
For more information on how we can devise a plan to help you pay off your debts, or invalidate them all together, check out the following links:
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience,
regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level.
These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible
to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific
disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML,
adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Screen-reader and keyboard navigation
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with
screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive
a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements,
alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website.
In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels;
descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups),
and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag
for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology.
To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on
as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Disability profiles supported in our website
Epilepsy Safe Mode: this profile enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode: this mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode: this mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
ADHD Friendly Mode: this mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
Blindness Mode: this mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
Keyboard Navigation Profile (Motor-Impaired): this profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Additional UI, design, and readability adjustments
Font adjustments – users, can increase and decrease its size, change its family (type), adjust the spacing, alignment, line height, and more.
Color adjustments – users can select various color contrast profiles such as light, dark, inverted, and monochrome. Additionally, users can swap color schemes of titles, texts, and backgrounds, with over 7 different coloring options.
Animations – epileptic users can stop all running animations with the click of a button. Animations controlled by the interface include videos, GIFs, and CSS flashing transitions.
Content highlighting – users can choose to emphasize important elements such as links and titles. They can also choose to highlight focused or hovered elements only.
Audio muting – users with hearing devices may experience headaches or other issues due to automatic audio playing. This option lets users mute the entire website instantly.
Cognitive disorders – we utilize a search engine that is linked to Wikipedia and Wiktionary, allowing people with cognitive disorders to decipher meanings of phrases, initials, slang, and others.
Additional functions – we provide users the option to change cursor color and size, use a printing mode, enable a virtual keyboard, and many other functions.
Browser and assistive technology compatibility
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Notes, comments, and feedback
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to