Debt Consolidation Houston Texas, Credit Counseling Houston Texas, and Debt Relief Houston Texas Consultations are free of charge with no obligation. Debt Redemption is not a lender but provides a marketplace to receive loan offers from our network of lenders. Clients who make monthly program payments generally experience an approximate 50% reduction of their enrolled balance before fees, or a 35-45% reduction after payment of settlement fees over a 24-48 month period. Individual results may vary based on 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, 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, 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 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 available in Texas. Logos used are the property of their respective owners.
Debt Consolidation Houston Texas helps resolve the stress of high-interest credit card and personal loan debt problems. Houston Texas Debt Consolidation and Houston Debt Relief is available by Phone or Office consultation provided by Debt Redemption Texas Debt Relief. Houston Texas residents considering debt consolidation or debt relief will find the information below helpful when choosing a path to resolve the debt.
Most people living in Houston prefer to avoid bankruptcy in Houston Texas, when possible. But Houston residents might not know about the different options to eliminate debt. Debt consolidation loans in Houston Texas are one option for some people who qualify, but a large percentage of people who try to obtain them simply do not qualify. If someone feels their credit scores are very high, they can determine if they can get a low-interest debt consolidation loan in Houston by checking with a Houston bank or credit union. The higher the credit score, such as 740 or above, the easier it will be to qualify, and the lower the interest rate that may be available with the Houston debt consolidation loan. Good debt-to-income ratios are essential in addition to credit scores when applying for Houston deb consolidation loans.
Also known as Houston debt management plans; fortunately, these plans do not require a good credit score and can provide much lower interest rates when comparing typical credit card interest rates. To be able to enroll in a credit counseling program in Houston Texas, the Texas consolidated debt cannot be considered secured debt. Secured debt is debt where the lender has collateral that could be repossessed. It also included Department of Education student loans secured by the federal government. Not all unsecured debts will qualify to consolidate debt in Austin Texas with a credit counseling debt management plan, but most credit card debt will qualify. After enrolling in a Houston credit counseling program, there will be only one monthly payment distributed amongst the enrolled creditors monthly. This is a huge convenience when consolidating debt in Houston.
The other way people often avoid bankruptcy in Houston Texas is to use a Houston debt settlement or Houston debt negotiation program. Houston debt relief with debt settlement is different when making a comparison to credit counseling in Houston because small monthly payments are not made to all of the enrolled creditors. By managing debt with a Houston Texas debt relief plan, debt will be negotiated and settled for less than the credit card balances by using funds saved in a special purpose account. The monthly amount is often less than half compared to the creditor’s minimum payments. It can also be much less than a credit counseling plan in Houston Texas. Consolidating debt Houston using this method could be the best option for people who have fallen behind with creditor payments or those who fall behind in the future. When the lowest monthly debt repayment cost is needed, debt settlement in Houston could be the ticket to affordable debt freedom.
If you live in Houston Texas, a Texas debt consolidation company is important since companies not in Texas may not understand the debt relief Texas laws. Consumer protection laws are much higher in the state of Texas and could allow for additional benefits if adequately utilized. Debt Redemption Texas Debt Relief is also able to help with pre-existing creditor lawsuits. Using a separate top-rated Texas creditor lawsuit defense attorney, Debt Redemption Texas Debt Relief clients in Houston can benefit from low-cost legal services. The legal services provided by the Debt Defense attorney in Texas are with a special arrangement with Debt Redemption Texas Debt Relief.
Debt Redemption Texas Debt Relief has multiple offices in Texas and provides debt management services in Houston Texas, as well as the entire state of Texas. Debt Redemption Texas Debt Relief does not offer Houston Texas debt consolidation loans but will recommend several options when it will benefit Houston residents. Debt Redemption Texas Debt Relief does provide credit counseling Houston Texas debt management plans and debt relief Houston Texas plans. Houston debt negotiation and Houston debt settlement is available. Debt Redemption Texas Debt Relief will explain your options and provide Free Houston Debt Consolidation or Debt Relief consultation with no obligation.