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24 - 48 Months

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Debt Consolidation Alternatives in Georgetown, Texas

Debt consolidation is a great choice for many people, but it doesn’t work for everyone. But don’t lose hope as there are other options. You can go for various alternatives, but most come with negative impacts. One of the negatives they have is on your credit score, assuming you have good credit where you stand today. So, what are these alternatives to debt consolidation?  Debt Consolidation Alternatives In Georgetown Texas  

Debt settlement

When you owe credit cards, you can use two debt settlement options. First, you can hire a company to negotiate with the card company or do it yourself. Dealing with professional debt collectors can be difficult, and you need to have the money to pay the settlement. If you hire a company, they will provide an affordable program payment and handle it all on your behalf.

If you hire a company for credit counseling companies in Georgetown, Texas, have an upfront agreement with card companies to lower the interest rates, but this does not lower the balances. Debt settlement, on the other hand, typically negotiates for 50-60% of what the client owes the lender to settle the debt. Sometimes settlements are more or less than estimated and some creditors historically settle higher than others. A reputable company will be able to give you a realistic estimate using historic settlements with the specific creditors that you owe.

Make a budget

A high percentage of people in the US don’t have a budget. That’s why some people cannot pay their credit card debt every month. If you ask them, they don’t know how much they have spent. What does this mean? A budget is important, so they probably need it. If you don’t want to go for debt consolidation and live in Georgetown, Texas, this can help. If you have a budget and adhere to it, you will have extra money to clear your debt.

So, what are the different ways of using that extra cash? First, there’s the debt avalanche and debt snowballs approach.

Debt avalanche: Take care of the credit card with the highest interest rate and pay as much as you can monthly. But also continue paying the minimum amount due on any other cards. After finishing the first, you continue the cycle repeatedly until you clear all debts.

Debt snowball technique: It is almost similar to avalanche, but you start with the card with the lowest interest. Pay a minimum on other cards, and the extra money uses to pay off this card. When you finish paying off, go to the next card and do the same. But for all this to work, you need a budget that you will stick to.

You can use these alternatives if you feel debt consolidation won’t work for you. But, you need to know how each option works and if it suits your situation. A debt consolidation loan is always a great option if you can obtain one with a lower rate than your credit card payments. As interest rates rise, this will lock you into a fixed rate for the term of the loan. Credit counseling, debt settlement, and bankruptcy are options to consider if you cannot obtain a debt consolidation loan or feel that you cannot use one of the self-help techniques above.

Call 512-546-7776 for a Georgetown 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 Georgetown, 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 Georgetown, Texas, Debt Consolidation Loans, Georgetown, Texas, Credit Counseling, Georgetown, Texas, and Debt Relief Georgetown, Texas, Consultations are Free of Charge with No Obligation.

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Debt Consolidation Georgetown, Texas, Credit Counseling Georgetown, Texas, and Debt Relief Georgetown, 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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