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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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Debt Consolidation Alternatives: ‘ Do It Yourself ’ Debt Settlement in Woodlands Texas

Depending on your situation, you might be able to negotiate your way out of financial wreck. Believe it or not, you can call your creditor with a debt relief plan and ask for debt relief. In this plan, ask for lowered interest rates or a waiver on over-limit and late fees.

Today, more and more creditors are willing to lend a listening ear to their customers. However, you have to show the initiative to work something out. The year when the Pandemic began in 2020, the total consumer debt reached $14.88 trillion. Americans turn to borrowing amid difficult times, but why?

Why People Borrow Money

Before we scrutinize debt consolidation alternatives in Woodlands, it is vital to know why people borrow in the first place. Here are a few circumstances that might force you the loan way:

To get an education 

Sometimes, the parents borrow money to send their kids to school. Student loans, in particular, are very common in households today. Getting these loans is easy at first, but many Americans are still stuck with college debt years after completion. 

To pay medical bills 

Unless you have an excellent insurance partner, medical bills can drain the money out of you or your family. Several banks and financial institutions are always ready and willing to offer you money to settle such bills. 19.5% of consumer credit reports include medical collections. 

The problem comes in during payment, especially if you got a huge loan. We have seen a few reasons why you would end up borrowing money. So, what do you need to do to settle this debt? 

Alternatives to Debt Consolidation 

The following are ways you can settle your debt. They are a bit different from debt consolidation and debt settlement practices. 

Credit Counseling

A reputable credit counseling company in Woodlandscan help you carve out a solution specific to your financial needs. Such companies are nonprofit agencies that educate you on credit management practices either on the phone or face-to-face. 

Credit counseling services help you understand why you are in a financial rut. They also advise you on what to do in the future to avoid getting to that point again. 

Credit Card Balance Transfer

If you have credit card debt, you can transfer the debt to a different card. This way, you can take advantage of the 0% introductory offer on new cards. 

However, this procedure is not as simple as it sounds. To qualify, you must have a credit score of 670 and above. On top of that, calculate if you’ll pay more on interest on your current card than the balance transfer fees. If so, then proceed with the transfer. 

Debt settlement is the best way to ease the load on your finances. Whether you choose to speak to the creditor yourself or get assistance, it’s vital to be keen on the process. 

Debt Consolidation Loan

You can speak with a local bank or credit union in Woodlands about a debt consolidation. Start with the bank that you do most of your business. You may also use a platform to shop for a debt consolidation loan. Affordable Debt Consolidation can assist you with this.

Full Service Debt Settlement

Affordable Debt Consolidation in Woodlands, Texas, can help you with this service to negotiate your debt for less than you owe, and typically at 20 to 40% less compared to out-of-state companies.  Program payments could be less than half compared to making minimum payments.

Call 832-965-0668 for a woodlands 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 The Woodlands, Texas

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Debt Consolidation The Woodlands, Texas, Credit Counseling The Woodlands, Texas, and Debt Relief The Woodlands, 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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