Best Debt Consolidation in San Antonio, TX

We compared 11 brands and chose the top debt relief companies

  • National Debt Relief
  • Accredited Debt Relief
  • Consolidated Credit Solutions

Could your debt be reduced or forgiven? Take our financial relief quiz.

    Author picture
    Author picture
    Written by

    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.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,460,028 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Top 11 San Antonio Debt Relief Companies

    • Best Rated
    • Most Reviewed
    • Highest Rated

    Could your debt be reduced or forgiven? Take our financial relief quiz.

      San Antonio skyline

      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
      • Experience
      • 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

      Not sure how to choose?

      Get buying tips about Debt Consolidation in San Antonio delivered to your inbox.

        By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

        Thanks for subscribing.

        You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

        San Antonio debt relief company information

        CareOne Debt Relief Services San Antonio

        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:
        Golden Financial Services Debt Consolidation 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:
        McCarthy Law PLC San Antonio

        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:
        Debt Reduction Services San Antonio

        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:

        Want your company to be on this guide?

        Yes, continue