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24 - 48 Months

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The Journey to Financial Freedom: Debt Consolidation in Galveston Texas

The average American has $7,000 in auto loan debt and $3,080 in credit card debt. These are substantial debt amounts, and unfortunately, most of them have issues repaying. Other debts include mortgage loans, student loans, and personal loans. 

It may take a long time for Texans to be free of debt but starting early does not hurt. Debt consolidation is one of the best processes since you will only have to worry about one payment. If you wonder how to start the entire process, here’s some information to help you out. 

How to Consolidate Your Debt

It is important to note that debt consolidation differs from debt settlement. Debt consolidation in Galveston allows you to use your new debt funds to clear existing debts. This form of debt consolidation requires a high credit score and substantial income relative to your debt payments.

The loan you receive, such as a home equity line of credit, is enough to kickstart you in debt consolidation. Fortunately, you will be less stressed with one payment to make monthly. 

Pros and Cons of Debt Consolidation

Debt relief in Galveston involves finding the best debt consolidation, debt management or debt negotiation services from private firms or financial institutions. However, debt consolidation is not for everyone. Before you dismiss it, here are the possible advantages and disadvantages:


  • Pay reduced interest rates 

You can save hundreds of dollars by consolidating multiple debts (with huge interest rates) into a single loan. One loan could have an interest rate below 10%, which is better than the former. 

  • Simplify the debt repayment process

Paying back different loans due at different times is overwhelming. Multiple loans will lead to late payment fees if you can’t keep track. Taking one loan makes it easier to stay on top of payments. 

  • Improve your credit score

Using a new loan for debt consolidation in Galveston, Texas improves your credit score in most cases, but you need to have good credit to start. If you pay off credit card loans with a debt consolidation loan, it lowers your credit utilization ratio. Moreover, the loan improves your payment history if you make more on-time payments. Credit counseling programs and debt negotiation programs are not designed to improve your score, they are designed to eliminate debt. However, it is relatively easy to re-establish good credit once the programs are completed.


  • Upfront costs 

Various forms of debt consolidation come with fees, such as origination fees. Other fees include closing costs and transfer fees (balance). Weigh these fees before applying for a debt consolidation loan. 

  • Collateral is at risk

If any loan covers your existing debt, like a home equity loan, the lender will seize that collateral. This can happen if you fail to pay that loan. 

Consider credit counseling or debt relief with a debt negotiation program if you cannot qualify for an unsecured debt consolidation loan. Likewise, if you do not want to put your home at risk of foreclosure, either of these options are worth considering, depending on your financial hardship.

The journey to financial freedom might seem long and draining, but it’s worth it. Setting up the best debt payment techniques and structures not only leaves you debt-free fast. They also encourage you to do better in the future. 

Call 409-257-6239 for a Galveston 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 Galveston, 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 Galveston, Texas, Credit Counseling Galveston, Texas, and Debt Relief Galveston, 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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