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Debt Consolidation in San Marcos, Texas: 6 Mistakes to Avoid

A consolidation loan can help you get out of debt faster than making minimum payments. But make sure it’s the best approach to take. You could end up digging a deeper hole if you’re not careful. Don’t let that happen. Here’s a list of common mistakes people make before consolidating their debts. Do your best to avoid them. Debt Consolidation In San Marcos Texas

Not Talking to a Credit Counselor or Debt Specialist

You understand your options. You’ve read about it. But that doesn’t mean you should skip a visit to a credit counseling service. It wouldn’t hurt to discuss your options at length with a credit counselor. That discussion can help you understand debt consolidation in San Marcos, Texas, in greater detail.

Not Understanding What Will Happen

Some people make the mistake of thinking that consolidating their debts resolves their financial problems. It doesn’t. You’re still in debt. You only found a way to streamline the payment for your financial obligations. You may enjoy a lower interest rate and lower payment, but your principal balance is the same after the transfer.

Not Paying the Debts Fast Enough

Once you receive the proceeds from the loan, pay off the debts and do not use the credit cards for any further purchases. Otherwise, you will have to pay back the credit card balances plus the debt consolidation loan. Use the monthly debt consolidation loan savings to make new purchases with cash instead of credit.

Shopping with the Loan Proceeds

It can be tempting to shop once you get the loan proceeds, thinking that you can just put back the money once you get your pay. But that’s an inefficient way to deal with your debt problems. If you’re already in debt, it’s wise to stay away from shopping. Once you receive the loan proceeds, start paying off your debts.

Not Fixing Your Spending Habits

Combining multiple debts into one loan isn’t the right strategy for every situation. It may work this time. But what about the next time you find yourself dealing with debts? Don’t wait until you acquire crippling debt before you fix your spending practices and habits. Try budget management plans. Look for approaches that work. Determine the triggers that drive you to shop and spend money recklessly. If you use retail therapy to help you feel better when you’re sad or stressed, put a stop to that. Learn other ways to cope emotionally without putting your wallet on the line.

Ignoring Your Credit Score Rating

Thinking that your credit score won’t impact your loan application is a huge mistake. The point of consolidating your debts is to get a lower interest rate. A bad credit score, though, will get you a high-interest rate.


If you cannot qualify for a debt consolidation loan, bankruptcy is not the only option. Debt negotiation programs are designed to negotiate your balances down to as little as possible and provide a monthly program payment that could be much less than minimum payments. A credit counseling program will pay back your debt in full but usually offers a reduced interest rate with credit card debt. These hardship programs can save you much more money compared to making minimum payments, but they may negatively impact your credit score unless you are already delinquent with your debt. So if you qualify for a debt consolidation loan and can easily afford the payments, that should be your first choice.

Call 512-960-4733 for a San Marcos 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 Marcos, Texas

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

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Debt Consolidation San Marcos, Texas, Credit Counseling San Marcos, Texas, and Debt Relief San Marcos, 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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