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

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

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Advantages Of Debt Consolidation In San Juan city, Texas

It can be challenging to track several outstanding debt payments simultaneously. However, consolidating all these debts into one payable loan can help streamline all your finances. But, without proper planning and credit counseling, this might not be a means to fix your underlying financial challenges. Therefore, before going for this option, it’s best to understand the advantages of debt consolidation and decide if it’s the best option. Debt Consolidation In San Juan City Texas

Saves On Money

The major aim of debt consolidation is to save as much money as possible. When opting for debt consolidation options, your main focus should be the means of saving money. This can be a faster repayment timeline or lower interest rates. For instance, if you use a home equity or personal loan for your debt consolidation in San Juan city, you might pay the debt faster as you save on interest. This is only possible if you meet the qualification for a lower rate than what you currently pay on the debt.

Can Improve Credit Score

Debt consolidation streamlined with credit counseling in San Juan city, Texas, could help improve your credit score in several ways. For instance, if you pay down several credit card loans, you reduce the credit utilization rate reflected in your credit report. Moreover, keeping up with consistent, timely payments and paying off your loan can also help improve your credit score.

Can Lower The Interest Rates

You could get a low-interest rate by consolidating your debts and applying for other loans. This can help you save money throughout the time you have to repay the loan. However, it would be best if you were cautious not to consolidate with an extended loan term. You can always shop around for lenders offering a personal loan prequalification process. Consider an online platform to shop multiple lenders at one time. Applying directly with lenders may lower your credit score if they perform hard inquiries.

Can Streamline Finances

Combining several overdue debts into a single loan reduces the monthly payments you have to deal with. Moreover, it can reduce the chances of late or missing payments, which would negatively impact your credit score. Additionally, working with a credit counseling agency in San Juan city or a debt relief company can help you manage your finances by creating a consistent payment plan to help you towards a debt-free lifestyle.

Lowers Monthly Payments

Debt consolidation helps you clear your debt faster. However, you can also choose the option of a longer timeline with lower monthly payments. However, please note that longer payments could lead to more interest in the long run. On the other hand, it can be a better chance to make room in your monthly budget, especially if it is hard making ends meet.

Considering opinions like debt consolidation can help you out if you are overwhelmed by your debt problems and have a limited cash flow. However, it would be best if you had good financial discipline. Only spend what you can afford, and avoid getting into more debt. This will help you create a better financial lifestyle.

Other Options

Remember, a debt consolidation loan is not the only option to resolve the high-interest debt. Credit counseling can consolidate debt with no new loans needed. Debt settlement is an alternative to bankruptcy to negotiate balance reductions with your creditors. If you cannot afford to pay back any of your debt, you might consider speaking to a Texas bankruptcy attorney.

Call 956-267-4433 for a San Juan city 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 San Juan city, Texas

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Debt Consolidation San Juan city, Texas, Debt Consolidation Loans, San Juan city, Texas, Credit Counseling, San Juan city, Texas, and Debt Relief San Juan city, Texas, Consultations are Free of Charge with No Obligation.

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Debt Consolidation San Juan city, Texas, Credit Counseling San Juan city, Texas, and Debt Relief San Juan city, 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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