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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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4 Ways to a Successful Debt settlement in Texas City, Texas

Settling your debt might be the best option for you. If this is the route you plan to take, here are some tips to help you out. Putting these suggestions to good use can improve your chances of resolving your unsecured debts successfully.

Ask Yourself: Is it Right for Me?

Before you choose debt settlement in Texas City, you need to be sure that it’s the best possible option to help you eliminate the mountain of debt you have over your head. Will you choose a long-term payment plan, or do you have enough money to cover the reduced repayment option? Your monthly program payment could be less than half compared to making the minimum payment. Will it provide you with considerable debt relief?

Know the Terms

Before signing a contract with any credit counseling services that offer debt relief in Texas City, go over the terms and conditions. Know them inside and out. That way, you know your rights and what you can expect. If you have questions, bring them up before signing the contract. Lump sum payments cost less in the long run than monthly repayment plans, so keep that in mind when you negotiate the terms of your debt settlement.

Avoid Drama

When you talk to a credit counselor, stick to your story. Don’t try to embellish it with additional, unnecessary drama. Make it clear why you can’t pay off the debt. They need to know that you’re in a difficult situation and debt settlement is the best offer they will get out of you rather than having to deal with the possibility that you might never pay off the debt. Practice a few lines and rehearse before you make that call.

Don’t Tolerate Bullying

Some creditors might try to bully you and don’t condone those tactics. Ask them to stop if they threaten to arrest you for failing to repay the debt, harass you, or shame you in public. The FDCPA is a federal law that protects from certain types of harassment and only applies to third-party debt collectors, not the original creditor. Texas has special laws under the Texas Consumer Finance Code or the Texas Debt Collection Act that also applies to first-party creditors.

Call 409-257-6239 for a Texas 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 Texas City, 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.

No Obligation

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

Get In Touch

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