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Debt Consolidation in Rosenberg, Texas: 4 Things to Make It Work

Consolidating your debt can be the best financial tool and strategy to resolve problems brought on by reckless spending habits. But that doesn’t mean it provides all the solutions you need. Here are some of the things you need to keep in mind before you roll multiple debts into a single payment. Debt Consolidation In Rosenberg Texas

You Still Have Debts

Get a clear understanding of what happens when you apply for debt consolidation in Rosenberg, Texas. Once the loan is approved, that doesn’t mean all your debts have disappeared. That’s not the problem it addresses. The point of the loan is to organize your debts and make it easier to handle the payment process with a lower interest rate.

You Need a Plan

If you want to fix your finances, you’ll need to have a plan ready once you receive the approval for your debt consolidation loan. It could be an outline of what you need to pay off first. It could be a series of steps—like a debt management software—to help you monitor your spending and stay on track.

You Must Stick to the Plan

Even if you do have a plan, that doesn’t guarantee a successful outcome unless you stick to it till the end. Once you start seeing a little wiggle room in your finances, don’t take it as a chance to slack off. That only means you aren’t as close to the edge financially. You still aren’t out of the woods yet, so keep at it.

You Need to Fix Your Spending Habit

Transferring all your debts into one loan can work this time around. But what about the next time you find yourself in debt? Stop treading water and make lasting changes. Determine what’s triggering your excessive spending and address that issue. Loans won’t be the best solution every time. Only changing your spending habits will achieve the outcome you want.  

Qualifying for Debt Consolidation Loans

A debt consolidation loan will require a high credit score and a debt-to-income ratio low enough to convince the lender that you can repay the debt. Credit counseling is an option to consider if you have poor credit or do not have enough income to support your debt. These programs lower your interest rates without a new loan. Debt settlement can save you a lot more money by negotiating balance reductions. If you can’t afford to pay back any of your debt, you may want to consider talking to a Texas bankruptcy attorney.

Call 832-404-2121 for a Rosenberg 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 Rosenberg, 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 Rosenberg, Texas, Debt Consolidation Loans, Rosenberg, Texas, Credit Counseling, Rosenberg, Texas, and Debt Relief Rosenberg, Texas, Consultations are Free of Charge with No Obligation.

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