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409-257-6239

Ask about our $1,000 Lowest Fee Gurantee

Resolve Credit Card Debt and Personal Loans
in as Little as 24 - 48 Months
Resolve Credit Card Debt
and Personal Loans in
as Little as
24 - 48 Months

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How To Consolidate Debt In Port Arthur, Texas

Debt consolidation is one of the most convenient ways to combine several debt payments at the end of each month. In addition, it’s one of the ways to save money if you can qualify for a lower interest rate than what you are currently paying on the existing accounts. However, in some situations, debt consolidation in Port Arthur, Texas, may not make sense. And to help you decide if it’s the right option, you first need to understand how it works and if how it may impact your credit. Consolidate Debt In Port Arthur Texas

Choose A Loan Option

Once you have identified a lender you are willing to work with, it is time to pick a loan option to fit your needs. It could be a personal loan to pay off your credit card debt. Another option is to use a home equity loan if you own a home and have enough equity. Texas limits the amount you can borrow on your home to pay off debt. A home equity loan will likely offer the lowest interest rate, but you will put your home at risk if it is not repaid.

Complete The Application Process

Once you have settled on a particular lender, it’s time to start the application process and complete it. Lenders will always inquire about your credit score before awarding the loan and may require proof of your income. Therefore, if you have poor credit or not enough income, you can consider credit counseling or debt settlement in Port Arthur, Texas, as another option to resolve your debt. However, if your credit is good, continue with the application and submit it with all the necessary supporting documents.

Getting The Funds

After submitting your application and it gets approved, the creditor will have you sign for the loan to get the funds. Different types of loans take different times; personal loans should only take a few days to receive the funds. However, some lenders will disburse the funds the following business day after the approval. Afterward, you can then use the funds to start repaying the outstanding debts you have. Some lenders will want to pay off your existing debt directly.

While debt consolidation may be the best option to get out of debt, sometimes choosing the best option that will work for you can be challenging. In such a case, getting help from a credit counseling agency in Port Arthur can help you come up with an affordable monthly budget, review all possible options, and advise you on the best one that suits your situation. If you are falling behind or expect to fall behind on payments in the future, a debt settlement program could save you the most money without the need to file for bankruptcy.

Call 409-257-6239 for a Port Arthur 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 Port Arthur, 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 Port Arthur, Texas, Debt Consolidation Loans, Port Arthur, Texas, Credit Counseling, Port Arthur, Texas, and Debt Relief Port Arthur, Texas, Consultations are Free of Charge with No Obligation.

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Debt Consolidation Port Arthur, Texas, Credit Counseling Port Arthur, Texas, and Debt Relief Port Arthur, 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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