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Advantages of Consolidating Debt in Huntsville, Texas

Tracking numerous debt payments can be hectic and challenging. Sometimes you might forget how much debt you have repaid and what you haven’t paid off yet. However, you can save yourself the headache by consolidating these debts into one loan for easier management. That said, you need to understand the advantages of debt consolidation before getting a new loan. Here are a few. Consolidating Debt In Huntsville Texas

It might lower the interest rate

When your credit score improves, you can likely lower your overall interest rates by consolidating debt. This can help you save money over the loan duration, especially if you don’t use a long-term loan to consolidate debts. When consolidating debts in Huntsville, Texas, and you want competitive rates, focus on lenders that provide a personal loan prequalification process. However, you must remember that some debts come with higher interest rates than others. For Example, student loans and mortgage loans have lower rates than credit cards.

Ticket to financial freedom

Consolidating debt in Huntsville, Texas, to a single loan lowers the payments and interest rates in most cases. It can also reduce the need to take on more debt to pay bills by freeing up some money every month. You might avoid forgetting to pay on time because you only have to focus on one debt. Also, you have the actual dates that you will be debt-free.

May Expedite Payoff

If the consolidation loan has a lower interest, try making extra payments with the surplus cash every month. This way, you can pay the debt faster, saving you a lot of interest. However, note debt consolidation loans may have extended loan terms. Therefore you need to pay off your debt earlier than scheduled to save interest.

Improves credit score

Getting a new loan can lead to a lower credit score due to the new loan appearing on your credit report. However, debt consolidation can also boost your credit score in various ways. For Example, when you pay off revolving lines of credit, like credit cards, it lowers the utilization rate on your credit report. According to experts, your usage rate should be under 30%, and debt consolidation can help you achieve it if your payments are lowered. In addition, making consistent, timely payments and clearing the loan can also improve your score.

Debt consolidation can be a savior in several ways. But before getting a loan, please know the benefits you will reap for picking that option. You may also want to consider credit counseling or debt settlement if you cannot qualify for a new loan. Bankruptcy may be a last resort, but it is the only option if you cannot pay any of your debt back.

Call 936-249-2541 for a Huntsville Texas Debt Consolidation or Debt Relief Consultation.

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 Huntsville, Texas

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