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How Debt Consolidation in Cedar Park, Texas Works

After the COVID-19 pandemic, things became tough because of inflation and the economic crisis. From this inflation, people resorted to borrowing as the only means of survival. However, many have been unable to pay it back. Fortunately, various options exist to help manage and pay off or settle these debts. If you are interested in how it works, here’s more on the process. Debt Consolidation In Cedar Park Texas

What is Debt Consolidation?

It is the process of taking a new loan and using it to pay other debts. In this situation, you will enjoy the low interests or limited monthly payments as they combine the loans. Sometimes credit counseling and debt settlement are referred to as forms of consolidation, but these programs do not involve any new loans.

Now that you understand debt consolidation with a new loan, here is what it involves.

How Does Debt Consolidation Work?

As mentioned earlier, it simply involves paying off debts using a new loan. In case you have multiple debts, they combine into one. Getting debt consolidation in Cedar Park, Texas, is easy because you’ll enjoy friendly payments with low-interest rates if you have good credit scores.

Here, you will find different options to help you pay your debts in a single debt. They’ll advise you to get a loan, preferably from your bank. These financial institutions are vital because they will check the transaction history to determine your qualification level.

You will get the loan if you have a clean and promising record and plenty of income to support the loan and your other debt payments. But, on the other hand, poor records might reduce your chances of getting it. Talking of banks and private lenders, debt consolidation in Cedar Park, Texas, has another route where you can shop multiple lenders with one application and increase your chance of qualifying and receiving a good interest rate.

In general, check on the following things to prepare in advance and increase the chance of consolidation. First, check the credit score to know if you have a positive or negative record. If it’s negative, try and clear things up. 

Secondly, check your records since you will know if they match that of the creditors. Lastly, do your math well and settle on the actual money needed to clear the debts. Furthermore, seek advice from one of the best credit counseling firms in Cedar Park, Texas.

If you cannot qualify for a debt consolidation loan due to your credit score and income, or if you have fallen behind already, there are other options. Credit counseling can work if you are less than six months delinquent with credit card debt, and debt settlement can help if you need the lowest possible payment and want to resolve debt in the shortest time possible without bankruptcy. You may also speak to a bankruptcy attorney in Texas if you don’t see any other options.

The current economy has forced many people to take loans to survive. However, not all of them can pay back within the exact time. Luckily, solutions exist to help you get through these challenging times. Find the best option and stick to it so you can walk freely again, financially speaking.

Call 512-588-1441 for a Cedar Park 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 Cedar Park, 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 Cedar Park, Texas, Debt Consolidation Loans, Cedar Park, Texas, Credit Counseling, Cedar Park, Texas, and Debt Relief Cedar Park, Texas, Consultations are Free of Charge with No Obligation.

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Debt Consolidation Cedar Park, Texas, Credit Counseling Cedar Park, Texas, and Debt Relief Cedar Park, 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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