debt relief you can count on.

1. Our Texas Debt Relief services are typically 40% LESS compared to most competitors, especially out-of-state companies. Please see our lowest-fee guarantee FAQ.
2. Debt Redemption is 100% veteran-owned, Rated A+ with the Better Business Bureau, and has been serving Texans for two decades. Please read all our BBB complaints by clicking here: Debt Redemption Better Business Bureau
3. We specialize in servicing Texans exclusively. We believe our clients have an advantage over “cookie-cutter” or “assembly line” programs from the Debt Relief companies working nationally. We also feel that by focusing on helping fellow Texas, we can do it much more efficiently, and we pass these savings on to you.
4. We do not charge fees for our Debt Relief program until a debt is reduced and payment is made towards the settlement. Fees are charged proportionally to the settled debt balance.
5. In-person consultations are available at some Texas locations.
6. We offer multiple debt solutions. Please see the following FAQ.

With multiple offices in Texas, our Debt Specialists specifically help Texans resolve very high credit card debt and personal loans with numerous options, including the following:

1. Our Texas-based Debt Relief Program to negotiate forgiveness of a large portion of your credit card and personal loan debt balances.
2. An affiliate platform to help you shop lenders for the best credit card debt consolidation loan.
3. A highly-rated Credit Counseling resource to reduce your credit card debt interest rates without a new loan.
4. Advanced Hardship Programs utilizing the Texas Finance Code.  These programs provide an additional alternative to bankruptcy for Texans who meet certain hardship guidelines.
5. Assistance with the resolution of creditor lawsuits.
6. We can also provide you with a highly-rated Texas bankruptcy law firm if you prefer to pursue bankruptcy or compare bankruptcy to non-bankruptcy options.  The bankruptcy law firm offers affordable payment plans to clients referred by Debt Redemption.

Debt Negotiation is a type of Debt Relief, also referred to as Debt Resolution or Debt Settlement. This method resolves your unsecured debt by negotiating a lower amount to pay your creditors and settle in full with a zero balance. The process involves setting money aside in a new special purpose account rather than making small monthly payments to your creditors. Each enrolled debt is negotiated and settled one at a time using money that accrues in the special purpose account until all debts are settled with a zero balance remaining. The monthly amount you set aside is often less than half compared to making high-interest credit card monthly payments and the time frame to resolve the debt is often 24 to 48 months, depending on your budget.

Credit Counseling is a hardship program designed to reduce your credit card interest rates, often down to somewhere between 5 to 11 percent without a new loan. Depending on your current interest rates, the program is likely to lower the monthly cost of your debt and provide you with one convenient monthly payment. These programs will also accelerate your ability to pay off your debt. Most Credit Counseling programs are structured to last about five years. Credit Counseling will not negotiate down your balances, only your interest rates.

Debt Negotiation is a hardship program to negotiate your debts for less than the balances owed. The programs are often able to provide a monthly cost lower than half compared to making minimum payments. Depending on your monthly budget, the program term is usually estimated to last between 24 to 48 months but could be longer or shorter than estimated depending on the final settlement amounts. During this process, your debts go into a delinquent status or remain delinquent while making a monthly payment into an FDIC insured Special Purpose Account. Each debt is then negotiated and settled one at a time using funds accrued in your Special Purpose Account.