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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 Handy Pointers About Debt Consolidation in Victoria, Texas

Don’t let your debt spiral out of control. Applying for a consolidation loan will simplify the payment process if you have multiple credit card debts. But before you take this step, keep a few things in mind. These pointers will help you make the most out of your consolidation loan. Debt Consolidation In Victoria Texas

Check the Interest Rate

When you apply for debt consolidation in Victoria,Texas, ask if the low-interest rate will remain unchanged throughout your payment term. Many lenders try to attract more clients by offering low or zero-interest rates on debt consolidation balance transfers. However, they may fail to mention that the low rates only apply for a certain period. Some interest rates are low because of a temporary discount or promo offer. If you want to make sure you’re getting a low-interest rate, determine how long that rate will be valid. Don’t fall for a teaser rate.

Look at Your Credit Report

If you’ve never spared a thought for your credit report, there’s no better time than now to do that. Before you apply for a loan to consolidate your debts, determine your credit score. The lower your score, the more likely the creditor will give you a high-interest rate. That’s another factor to consider before you choose a consolidation loan. It’s an excellent strategy if you have good credit. But it can doom you if you have a bad credit score since you may get a higher interest rate or you will not receive a new loan. By now, you’ve probably recognized that one of the benefits of a consolidation loan is the low-interest rate. If you get a high-interest rate, going through the loan won’t be worth it.

Understand How It Works  

Debt consolidation works if you have the financial resources to handle your monthly payments and are only looking for a way to organize your debts. Keeping track of multiple debts is a waste of time and effort. Give yourself an easier time by combining several debts into one loan. If you’re going with a debt consolidation because you want to save on costs, that also works, provided you get a low-interest rate. 

Adjust the Timeframe

If you’re struggling with your monthly payments, getting a consolidation loan can also lower your monthly payments due to the lower interest rate. Using a mortgage loan comes at a cost since the term could be 30 years. If it helps you make ends meet and keep you from defaulting on those monthly payments, it’s an excellent deal.

Consider Other Options

Consolidation loans are not the only option to resolve debt. Perhaps you can borrow from a family member at a low or zero rate. Debt management programs provided by a credit counselor are another option to consolidate debt without needing a new loan. You can also consider a debt settlement program to negotiate significant balance reductions.

Call 361-792-2900 for a Victoria 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 Victoria, 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 Victoria, Texas, Debt Consolidation Loans, Victoria, Texas, Credit Counseling, Victoria, Texas, and Debt Relief Victoria, Texas, Consultations are Free of Charge with No Obligation.

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