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The Best Debt Consolidation Options in Schertz, Texas

Debt affects you financially and mentally, and it can impair psychological functioning and decision-making. However, not all is lost; you can use debt consolidation to clear debts. If you don’t have another way to solve your crisis, this can be the best solution to your financial freedom. The question is, what are the best ways to consolidate debts? Debt Consolidation Options In Schertz Texas

Best options

Debt consolidation loan

It’s one of the best debt consolidation options in Schertz, Texas. However, it’s only possible if you qualify for a low-interest rate that can cover your debts and an affordable repayment plan. The loan typically does not need any guarantor, but the rate and limit depend on your credit score profile. The loans favor people with great credit profiles that offer them interest rates and borrowing limits that can handle all their debts. One thing you need is to have a good credit score and a history of making your monthly payments on time. Your debt-to-income ratio is also very important to qualify.

Balance transfer credit card

To use this option, you need a bank transfer card with a high limit to handle the balances you are rolling over. Also, it should have an annual percentage rate(APR) low enough to make it count. The best balance transfer cards for debt consolidation in Schertz, Texas, have a zero or very low interest rate for an introductory period of 1 and ½ years.

Using this card is a brilliant idea to consolidate debts if you pay off the card before the introductory rate expires.

Home equity loan

Home equity means the difference between the market value of your home and the mortgage balance. You can borrow some of the equity if you own a home and have enough equity and good credit history. You will get the equity at a favorable rate, enabling you to consolidate your debts. Many people opt for this debt consolidation in Schertz, Texas, and use it to pay high-interest debts such as credit cards. However, it is important to consider that you may be putting your home at risk of foreclosure if you cannot pay the debt in the future.

Getting off debt can be challenging. However, the above options can help you get financial independence if you have a good credit score. If you do not have a great credit score, talk to a Texas Debt Specialist about a credit counseling or debt settlement program. These programs do not require a new loan and can either lower the interest you pay on your existing debt or negotiate balance reductions. The monthly payments with either program could be much less than credit card minimum payments. With enough information, you can find a solution that fits your situation. 

Call 830-460-3577 for a Schertz 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 Relief or Debt Consolidation in Schertz, Texas

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