Choose the debt amount you owe

$35,000

If you are $20,000 or more in debt
Debt Redemption
Can Help

Many of our clients are able to pay off their debt in as little as 12-60 Months

Credit Cards

Personal Loans

Medical Bills

A Texas team that is working for you

Our team has a proven track record of effectively negotiating with unsecured creditors. After enrolling in our Texas Debt Relief program, we negotiate your balances to the lowest amount possible and in many cases, provide a monthly program payment that is less than half compared to minimum payments.

Talk to a Texas Debt Specialist


No more fear opening your next credit card bill, or hesitation answering the phone.

Specialist

What Makes Us Great

A+ Rating

Better Business Bureau

100% veteran-owned

In the state of Texas

Typically 40% Less

Compared to Out-of-State Companies

Exclusively For Texans

Start Today - Talk to a Texas Debt Specialist

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FAQ

  1. Our Texas Debt Relief service fees are typically up to 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 Texans, we can do it much more efficiently, and we pass these savings on to you.
  4. We do not charge fees for our Texas 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 our Headquarters.
  6. We offer multiple debt solutions. Please see the following FAQ.

Headquartered in Texas, our Debt Specialists exclusively help Texans resolve very high credit card debt and personal loans. Options available include:

  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 multiple 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. Assistance with the resolution of creditor lawsuits.
  5. We can also recommend a highly rated Texas bankruptcy law firm if you prefer to pursue bankruptcy or compare bankruptcy to non-bankruptcy options. The law firm offers affordable payment plans to clients referred by Debt Redemption.

Debt Negotiation also referred to as Debt Settlement, is a hardship program to resolve unsecured debt by negotiating a lower amount to pay your creditors and settling 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. During this process, your debts go or remain delinquent while making a monthly payment into an FDIC-insured Special Purpose Account. 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. In some cases, the monthly amount that you pay into your Specialist Purpose Account could be less than half compared to making high-interest credit card monthly payments, and the time frame to resolve the debt is estimated based on what you can afford. Most programs are structured with an estimated length between 24 and 48 months, although some clients have been able to resolve their debt in as little as six months. Programs may be estimated to be approximately 72 months in some extreme hardship cases. Programs can be longer or shorter than estimated, depending on the results of negotiations. After 48 months from the first delinquency, debts in Texas become time-barred. This means creditors and debt collectors cannot use the legal system to collect the debt. Some clients choose not to settle debts that reach time-barred status.

Credit Counseling is a hardship program designed to reduce your credit card interest rates, often to around 6 to 10 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 Redemption

40 NE Interstate 410 Loop #565,
San Antonio, TX 78216

Debt Redemption is not a lender but offers an affiliate platform to receive loan offers from multiple lenders. Clients who are able to remain with the program and resolve all their debts generally experience an approximate 45% reduction of their enrolled balance before our performance fee of 15%, a $9.95 monthly bank fee, and any optional third-party fees. Individual results may vary based on the ability to save sufficient funds, the 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 a creditor. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors, and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. 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. For answers to common questions, please visit our FAQs page. Optional separate legal services may be offered by attorneys or legal plan providers and all associated fees are paid directly to the providers. Please contact a tax professional to discuss any possible tax consequences of paying less than the full balance. Programs are only available in Texas. Logos used are the property of their respective owners.

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