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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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Alternatives to Debt Consolidation in Temple, Texas

Debt consolidation is one way to resolve your debts while improving your monthly budget. Although it makes debt repayments easier, you may need better budgeting to reach your financial goal. In addition, it may affect your credit score negatively in the short term. However, you can consider other alternatives to make your financial management easier than debt consolidation. Learn more about these alternatives that you can explore. Debt Consolidation In Temple Texas

Managing your Budget

Creating a budget and sticking to it is a great way to eliminate debt in a shorter amount of time than minimum payments.  You may not need debt consolidation in Temple, Texas, with this method. To do this successfully, check your financial statements for the past months and categorize expenses to determine where most of your money is spent. Then, identify the areas where it is possible to cut spending and allocate the funds towards debt repayments.

Use Debt Avalanche Method

In the debt avalanche method, you can pay off your debts faster and save money. This strategy allows you to make small payments on debts apart from the ones with a higher interest rate. In high-interest loans, you must pay as much as your budget allows. After paying off the debt, please take all the payments you were servicing your loans with and use them on the debt account with the highest interest rate until your complete payments. Then, keep focusing on your payments until you clear all your debt balances.

Debt snowballing

The debt snowball method for debt relief in Temple, Texas, works like the debt avalanche method, only that it focuses less on high-interest loans initially. Start with the accounts with the lowest balances as you work towards high-interest accounts. Although the debt avalanche method helps you save money on interest, the debt snowball method keeps you motivated to pay debts.

You can easily go through debt repayments without struggling with the hectic consolidation processes. It only requires financial adjustments and discipline for these methods to work in your favor. Besides, you will save more money on your monthly budget because you only focus on specific types of loans. If you cannot make even the minimum payments on your debt, a debt consolidation loan could be possible if you have a high enough credit score. However, your debt-to-income ratio could be too low to qualify.  Credit counseling, debt settlement, and bankruptcy are other options to consider if you struggle to pay your debt.

Call 254-870-4499 for a Temple 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 Temple, 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 Temple, Texas, Debt Consolidation Loans, Temple, Texas, Credit Counseling, Temple, Texas, and Debt Relief Temple, Texas, Consultations are Free of Charge with No Obligation.

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