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and Personal Loans in
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24 - 48 Months

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How To Compare Bad Credit Debt Consolidation Loans In Little Elm, Texas

Getting a debt consolidation loan is a good way to reduce your monthly debt payments and get out of debt faster. However, while this seems like a good option, it is not for everyone, especially with bad credit. That’s because it makes it harder to qualify for a debt consolidation loan in Little Elm. But this doesn’t mean you still can’t get a consolidation loan, even with bad credit. Here are a few tips to help you out.

Read the fine print

If you are shopping for a personal debt consolidation loan in Little Elm, getting a low-interest loan can be difficult. Because of this, most people often overlook the fine print. Things such as loan fees can make borrowing money more expensive despite the low-interest rates. Make sure you go through the fine print and identify any additional costs associated with the loan before signing anything. 

Get multiple quotes

Shop around and compare offers from various lenders before settling on a loan. This can save you a lot of money on your loan and interest fees. Additionally, if you can find lenders offering prequalification services with soft credit inquiries, you won’t risk damaging your credit score by rate shopping. 

Figure out the math

If you get a debt consolidation loan with a lower interest rate than your current debt, it makes sense to move forward. However, don’t jump the gun until you have done the math to verify the potential savings you could make. You can utilize an online loan calculator or consult a credit counseling firm in Little Elm to help you compare your current costs to the costs of a new loan. 

If you have bad credit and want to pay off your debts, it’s worth considering getting bad credit debt consolidation loans. They can help you pay off high-interest debts and reduce your monthly debt payments. Your normal bank or credit union could be your best option since they may already know your situation.

Debt Settlement or Credit Counseling

If you are struggling to pay your debt or falling behind, a debt consolidation loan is probably not an option. Consider credit counseling or debt settlement. A credit counseling program will lower your existing credit card interest rates without a new loan. A debt settlement program will negotiate down your balances. Each program has some pros and cons, but you could resolve your debt for much less than making minimum payments and in a much shorter time. Bankruptcy is always an option but is usually a last resort. Many Texans get stuck in a chapter 13 repayment plan where they end up paying back debt through the court system.

Call 469-663-6370 for a Little Elm 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 Little Elm, 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 Little Elm, Texas, Debt Consolidation Loans, Little Elm, Texas, Credit Counseling, Little Elm, Texas, and Debt Relief Little Elm, Texas, Consultations are Free of Charge with No Obligation.

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Debt Consolidation Little Elm, Texas, Credit Counseling Little Elm, Texas, and Debt Relief Little Elm, 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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