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The Debt Consolidation Process: Finding A Debt Solution Through Debt Consolidation In College Station Texas

According to a CNBC report released in 2021, the average American has $90,460 in debt. This debt includes all types of debt for student loans, personal loans, and credit card loans. On the flip side, 23% of Americans report they have never been in debt. 

Living debt-free is the dream of every American. However, that is only achievable by getting your finances in check. If you are in debt already, find ways to reduce this debt or pay it off faster. 53% of Americans state that debt reduction is a priority to them. One way is through debt consolidation. 

What is Debt Consolidation?

Debt consolidation involves bringing together multiple debts to become a single debt. This program enables you to make one payment instead of several different payments to creditors or lenders.

Debt consolidation in College Station Texas helps you achieve debt freedom by lowering interest rates and preventing late payments. Late payments, in particular, could be detrimental to your credit score. Debt consolidation services are more likely available in banks or credit unions. 

However, some private entities also offer these services to individuals. Before beginning the process of debt relief in College Station Texas, it is vital to know the kind of debt consolidation programs available.

Types of Debt Consolidation 

 It does not matter the type of debt you are in. There are numerous options for debt consolidation to choose from. They include:

Debt Consolidation Loan

This is a personal loan that combines multiple loans into a fixed monthly payment. These debt consolidation loans typically have terms ranging from one to ten years. Many of them allow consolidation up to $50,000. 

To make this option more beneficial for you, ensure your new loan has an interest rate lower than the interest of previous loans. 

       Student Loan Refinancing 

If your student loan debt is high-interest, refinancing it might help lower interest rates. With student loan refinancing, borrowers can consolidate private and federal student loans. By the end of 2021, 44.7 million people had student loans.

Credit counseling in Texas is at an all-time high to ensure individuals have an alterative to a debt consolidation as no new loan is needed to lower the credit card payments and have one monthly payment per a month. Debt settlement is a more aggressive approach that can further reduce the cost to eliminate debt and do it in as little as 24 to 48 months without a new loan.

Consolidation loans night improve your credit score in the long run. This is a positive since you will have lowered interest fees and paid off debt in time. The advantage of a debt consolidation loan, credit counseling or debt settlement programs is a reduction of out of pocket costs every month. Contact Affordable Debt Consolidation to speak to a Texas Debt Specialist.

Call 979-413-5311 for a College Station 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 College Station, 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 College Station, Texas, Debt Consolidation Loans, College Station, Texas, Credit Counseling, College Station, Texas, and Debt Relief College Station, Texas, Consultations are Free of Charge with No Obligation.

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Debt Consolidation College Station, Texas, Credit Counseling College Station, Texas, and Debt Relief College Station, 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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