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Drawbacks of Debt Consolidation in Baytown, Texas

Anyone struggling with debt can take any option as long as it will solve their problem. However, you need to be very careful of the option you pick. For example, debt consolidation loans can save your assets, but before getting one, you need to know about the drawbacks. Here are the drawbacks of debt consolidation. Debt Consolidation In Baytown Texas

Could Raise Your Interest Rate

Debt consolidation in Baytown, Texas, can be a smart move if you qualify for low-interest rates. However, if your credit score is bad to get the best rates, you may end up with rates higher than your present debts. In addition, you might pay origination fees and more interest until you clear the loan. So, looking for another option to avoid more debt is advisable.

It might come with extra costs

Getting a debt consolidation loan in Baytown, Texas, may come with extra fees. These fees include origination, closing, balance transfer, and yearly fees. When hunting for a lender, ensure the details of the real cost of every debt consolidation loan. Having all the details will help you decide if it’s the best option.

Risk of missing or making a payment late

Late or missing payments on a debt consolidation loan can ruin your credit score. In addition, it can accrue added fees due to missed and late payments. However, you can avoid this by checking your budget to ensure you can make payments comfortably. When consolidating debts, use tools such as autopay to help you avoid missed payments. Also, if you are in a fix and know you will miss a payment, inform your lender early to see if they can work out a payment schedule, so they do not report you as late.

It might lead to more spending

When you get a debt consolidation loan in Baytown, Texas, and pay off credit cards and other debts, you might think you have more money. Unfortunately, that is just an illusion and can result in spending more and accruing more debts. Therefore, you need to note you are paying debts and not your money. This will help you get financial independence faster.

Debt consolidation can be helpful, but you have to be careful. Always budget to lower your spending and keep up with your payments. Also, remember there are a few options that do not require a new loan and can be especially useful if you cannot qualify for a debt consolidation loan. These options include credit counseling debt management programs, debt settlement aka debt negotiation, and bankruptcy.

Call 832-810-0050 for a Baytown Texas Debt Consolidation or Debt Relief Consultation.

Debt Redemption Client Experiences

Austin M.
Austin M.
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My wife and I lost a third of our income after the pandemic started. Our entire household was struck with COVID, which marked the beginning of our downward financial spiral. Due to late payments, the interest on most of our 26 credit cards and 186K debt hit 29%. While stepping into my truck one morning, a man handed me court documents from Discover. We knew at that point we had to do something, but we also knew we would not be able to make the debt go away in bankruptcy due to our income. We met with a bankruptcy attorney anyway to see if anything could be done, and he recommended we liquidate investments since we could not afford chapter 13 payments. I heard about debt relief companies, but my sister-in-law advised us against them after she used another company in Arizona and received non-stop harassment calls from creditors. She was also upset she had to pay that company 25% of her debt for fees.Not considering any debt relief service, my wife and I saw Debt Redemption on the Channel 5 news and found reviews of other people with large debt situations using this company specifically. Being based in San Antonio and advertising lower fees than other companies, we decided to make an appointment with Jack Brandon and ended up signing up the same day. All debt collectors stopped calling, and we never had to show up to court for the lawsuit. The lawsuit was dismissed with a savings of over 19K on the one debt alone. After two years in the program, they have settled most of our debts for less than we expected. If it werent for COVID, we would never have been in this situation, but thankfully the program is affordable with Jack and Debt Redemption doing everything they said they would and more. My wife and I will always encourage anyone who needs help with massive debt to reach out to this company.
Jonathan R.
Jonathan R.
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$147,000 between high interest credit cards and personal loans became to much to handle after our small business had a reduction in revenue. We contacted other debt consolidation type companies and besides no locations in Texas, none of them offered anything thing like what we recieved here. Jack was very professional and took a lot of time to explain several options and programs available to us. After we enrolled, the creditors stopped calling and we are paying less than a third of what we were paying the creditors with the very high interest rates. I highly recommend them if you need help with debt. Thank you!

How to Receive Debt Consolidation in Baytown, Texas

The fastest way to get help is to call now. You may also select your debt amount with the slider and use the form above for a free and no-obligation consultation with a Texas Debt Specialist.

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Debt Consolidation Baytown, Texas, Debt Consolidation Loans, Baytown, Texas, Credit Counseling, Baytown, Texas, and Debt Relief Baytown, Texas, Consultations are Free of Charge with No Obligation.

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Debt Consolidation Baytown, Texas, Credit Counseling Baytown, Texas, and Debt Relief Baytown, Texas Consultations are free of charge with no obligation. Debt Redemption is not a lender but provides a marketplace to receive offers from our network of lenders. Clients who make monthly program payments generally experience an approximate 45% reduction of their enrolled balance before our performance fee of 15% and any optional third-party fees.  Individual results may vary based on the ability to save sufficient funds, ability to complete the program and the creditors enrolled. Statements made are examples of past performance and are not intended to be a guarantee that your debt balances will be lowered by a specific amount or percentage, or that you will be debt-free within a specific time period. Settlement fees are not charged until a debt is reduced and payment has been made to creditor. We do not assume consumer debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting, or legal advice. We do not provide credit repair services. Optional separate legal services may be offered by affiliated attorneys and any associated attorney fees are separate from those charged by Debt Redemption Inc. Please contact a tax professional to discuss any possible tax consequences of paying less than the full balance. Programs are available in Texas. Logos used are the property of their respective owners. 

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