Best Debt Consolidation in San Antonio, TX
Many San Antonio residents struggle with debt. If you’re one of them, debt consolidation or debt settlement can help lower your interest rates or reduce what you owe. We put together a guide to debt relief with a list of the best debt consolidation and debt settlement companies in San Antonio to help you regain control of your finances.
Top 11 San Antonio Debt Relief Companies
|National Debt Relief|
Read 41,893 Reviews
Debt is often reduced by as much as 50%, with most cases settled in 24-48 months. Fees vary between 18-25% of enrolled debt. No upfront fees. $10,000 minimum debt required. Offers debt settlement services, not a loan provider.
|Visit Website Toll free number (800) 437-5553|
|Freedom Debt Relief|
Read 19,020 Reviews
Specializes in debt settlement services only. Debt can be settled in 24-48 months, and fees range from 15-25%. $15,000 minimum debt required. Track progress 24-7 via online dashboard. No-risk debt-relief consultation offered.
|Visit Website Toll free number (855) 969-4329|
Read 210 Reviews
This debt settlement company helps clients eliminate debt in as little as 24-36 months. They use state-of-the-art software and a team of experts to negotiate your debt with your creditors. Settlement only, not a lender.
|Consolidated Credit Solutions|
Read 1,333 Reviews
Reduce credit card payments by up to 30-50%. Offers free online financial education webinars and three debt solutions, including debt consolidation. Specialized credit counseling available for military families.
|Accredited Debt Relief|
Read 487 Reviews
Minimum debt required is $10,000. Average debt settlement program takes 2-4 years. Multiple plans available, and no fees are required until settlement is reached. Money-back guarantee. Debt settlement only, no loans available.
|Pacific Debt Inc|
Read 534 Reviews
$10,000 minimum debt required. Low monthly program payment and no upfront fees. Service fees vary between 15 and 25% of the total debt enrolled. Most results take 24-48 months. Offers debt negotiation, but not consolidation loans.
Read 80 Reviews
Offers personal loans up to $40,000. Online application available. Licensed in California, Texas, Florida, Pennsylvania, Michigan, North Carolina, Virginia and Arkansas.
|CareOne Debt Relief Services San Antonio||Read Expert Review|
Gives a 100% satisfaction guarantee. Offers debt management plans and debt settlement services. Provides online resources and tools to help manage debt in the future.
|Debt Reduction Services San Antonio||Read Expert Review|
Offers no-cost, no-obligation consultation calls. Handles debt relief for consumers with at least $1,000 in debt. Consolidates debts into one payment. Reduces your total monthly costs. Lowers high interest rates.
|Golden Financial Services Debt Consolidation San Antonio||Read Expert Review|
Offers debt settlement, student loan relief and debt validation. Connects consumers with experienced debt specialists for no charge with no obligation. Established as one of the first debt settlement companies in the U.S.
|McCarthy Law PLC San Antonio||Read Expert Review|
Waives its fees if it’s unable to get a creditor to settle your debt sufficiently. Assists clients with credit card debt, student loans and bankruptcy. Offers free consultations.
Falling behind on debt payments is stressful and overwhelming, and it prevents you from making big-ticket purchases. If you’re trying to pay back your debts and still falling behind, consider hiring a debt relief company in San Antonio to help.
Can I qualify for debt settlement or consolidation?
If you’re falling behind on payments and have a significant amount of debt, you qualify for debt settlement. Many debt relief companies only work with clients that have a minimum amount of unsecured debt, usually $10,000.
- Secured debt is connected to some form of collateral. Debt settlement doesn’t work for secured debt because creditors can repossess the asset used as collateral instead of negotiating a settlement. Types of secured debts include mortgages and car loans.
- Unsecured debts don’t have any collateral attached. This means creditors are more likely to negotiate for partial payment during debt settlement. Types of unsecured debt include credit cards and medical bills.
Debt settlement is the process of negotiating with your creditors to accept a lump-sum payment of less than you owe to pay off your debt. Because you stop making payments to your creditors during negotiations, debt settlement typically has a negative effect on your credit score. Some creditors do not negotiate with debt settlement companies.
If you want to avoid this credit penalty, consider debt consolidation. Debt consolidation pays off your current debts with a new loan, which makes it easier to manage. The new account typically has a lower interest rate, which reduces the total amount you pay on your debt.
Because debt consolidation often involves taking out a debt consolidation loan, it has more requirements to qualify than debt settlement. If you want to pursue debt consolidation, you should have:
- A steady income
- Unsecured debt exceeding $10,000
- A credit score of at least 580
Debt collection regulations In San Antonio
San Antonio consumers are protected by the Texas Debt Collection Act, which prohibits creditors from harassing borrowers about debt repayment. Since the statute of limitations on debt collection in Texas is four years, creditors cannot sue individuals in an attempt to collect debts that are more than four years past due.
How to choose a debt relief company in San Antonio, TX
Debt relief requires patience, planning and research. If you've decided that debt consolidation or debt settlement is the right option for you, start looking for a company that specializes in the type of debt that you have.
One of the best ways to find a reputable debt relief company in San Antonio is by asking your friends and family about companies they've used for debt relief. Their experiences can help you find a company with a proven track record of success and affordable rates. Some of the things you should look for in a debt relief company include:
- Proven results
- Competitive pricing
While most San Antonio debt relief companies have consumers' best interests in mind, some scammers take advantage of people when they’re at their most vulnerable. According to the Federal Trade Commission, look for these signs to avoid debt relief scams:
- Asking for large upfront payments
- Using frightening or threatening language
- Not publicizing the company's physical address or phone number
- Promising incredible results
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San Antonio debt relief company information
CareOne Debt Relief Services is an online marketplace that connects consumers with debt settlement and debt consolidation companies. CareOne’s debt management plans help consolidate all your unsecured debt into a single monthly payment. It also negotiates on your behalf for better repayment terms, including lower interest rates and waived late fees. Representatives are friendly, compassionate, patient and knowledgeable. Many of the credit counselors have been in debt before, so they know the emotions and stress involved.
- Address: Serves San Antonio residents
- Phone: (888) 694-3328
- Hours: 24/7
- Website: careonecredit.com/debt-consolidation/texas/san-antonio
Golden Financial Services specializes in helping San Antonio residents with more than $10,000 in debt. The company tailors a credit restoration program for you to help you take the first steps toward financial freedom. San Antonio residents are eligible for free quotes.
- Address: 2822 N. Loop 1604 W., Ste. 101, San Antonio, TX 78248
- Phone: (210) 366-1070
- Hours: M - F: 8:30am - 5pm
- Website: goldfinancialservices.com
McCarthy Law PLC specializes in student loan debt, credit card debt and medical debt. The firm has the knowledge and expertise to represent clients in court if a creditor sues them. Its consultations are always free and confidential, and most customers see their debt resolved within six to 36 months.
- Address: 17339 Redland Road, Ste. 100, San Antonio, TX 78247
- Phone: (855) 967-5777
- Hours: M - F: 8am - 6pm
- Website: mccarthylawyer.com
Debt Reduction Services helps consumers combine their debt into one consolidated monthly payment. The company processes and sends payments to your creditors. Its reduced interest rates and other benefits stay in effect as long as customers make their monthly payments on time. Consumers also get a highly trained client support team for one-on-one credit counseling and account monitoring.
- Address: Serves San Antonio residents
- Phone: (631) 473-7500
- Hours: M - Sun: 9am - 8pm
- Website: debtreductionservices.org/debt-consolidation/san-antonio-texas
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