Veteran-Owned · A+ BBB · Zero Complaints

Texas debt relief
that actually works.

21+ years settling debt for Texas families.
With fees up to 40% lower than the national guys.

Average client saves 45%·4.94/5.0 (142 reviews)
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No obligation · No credit impact

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21+
Years in Texas
$50M+
Debt Resolved
A+
BBB Rating
0
BBB Complaints
4.94★
Client Rating

FREE SAVINGS ESTIMATE

How much could you save?

Drag the slider to see an estimate based on our average client outcomes.

Total Debt Amount
$30,000
$7,500$100,000+
Estimated Savings
$13,500
Estimated Monthly
$458/mo
Estimated Timeline
24–36 mo
Get Your Personalized Plan

Free consultation · No obligation · No credit impact

Estimates based on historical client averages. Your actual savings will depend on creditor negotiations, debt types, and individual circumstances.

HOW DEBT SETTLEMENT WORKS

A simple, proven process.

No hidden steps. No surprises. Here's exactly what happens when you work with us.

1

Free Consultation

Talk with a Texas debt specialist who reviews your situation and gives you honest advice — even if settlement isn’t the right fit.

2

Custom Plan

We build a personalized strategy with projected savings, monthly deposits, and a realistic timeline. You review everything before committing.

3

We Negotiate

You make monthly deposits into your own FDIC-insured account. Our negotiators work with creditors to settle each debt for significantly less.

4

Debt Resolved

Settlements are paid from your savings account. You pay our fee only after we get results. No upfront costs, no monthly fees, ever.

WHY DEBT REDEMPTION

Not your typical debt relief company.

While national companies spend millions on TV ads and run massive call centers, we took a different path.

Veteran-owned, Texas-only

We serve one state and we know it deeply — Texas homestead protections, community property laws, debt collection statutes. 21 years of focused expertise.

Fees up to 40% lower

We charge 15% of enrolled debt vs the industry standard 18–25%. On $30K in debt, that difference saves you $900–$3,000 in fees alone.

Zero BBB complaints

Not a few. Zero. In 21 years. National companies have hundreds to thousands. Our A+ BBB rating and 4.94/5.0 score speak for themselves.

One dedicated contact

You talk to the same person every time — not a rotating call center. Someone who knows your name, your case, and your goals.

No upfront fees, ever

We only get paid after we settle a debt. Period. No enrollment fees, no monthly program fees, no hidden charges.

Honest recommendations

If debt settlement isn’t the right option, we’ll tell you — and suggest alternatives. We’d rather earn your trust than your business.

CLIENT RESULTS

Real Texans. Real results.

Individual outcomes vary. These are representative client experiences.

I compared three national companies before finding Debt Redemption. The fees were noticeably lower and I actually spoke to the same person every time I called.

Christina S.
Houston, TX
Enrolled
$47,000
Settled
$22,000
Time
28 mo

No pressure from day one. They told me to take my time deciding, which was the opposite of the big companies. Ended up saving more than projected.

Alex Q.
Dallas, TX
Enrolled
$32,000
Settled
$16,200
Time
24 mo

I was skeptical of the whole industry. But they walked me through everything, explained the risks, and the BBB record gave me confidence. Glad I made the call.

Allison C.
San Antonio, TX
Enrolled
$28,000
Settled
$13,500
Time
22 mo

The fees were so much lower than what National Debt Relief quoted me. My debt was cut nearly in half. This was truly life-changing for my family.

George B.
Austin, TX
Enrolled
$55,000
Settled
$28,000
Time
32 mo

FREQUENTLY ASKED QUESTIONS

Questions about debt settlement

Debt settlement fees are typically 15–25% of enrolled debt, charged only after each debt is settled. No legitimate company charges upfront fees — it’s illegal. Debt Redemption charges 15%, which is up to 40% lower than what national companies like Freedom Debt Relief and National Debt Relief typically charge. On $30,000 in debt, our fees would be approximately $4,500.
Yes, temporarily. During the program you stop making minimum payments, which impacts your score. However, most people considering settlement already have damaged credit from high balances or missed payments. After completing the program and becoming debt-free, credit scores typically recover within 12–24 months. We’re upfront about this — anyone who downplays the credit impact isn’t being honest.
Three things: lower fees (15% vs 18–25%), zero BBB complaints in 21 years (vs hundreds or thousands at national firms), and Texas-only focus meaning deep expertise in Texas consumer protection laws. You also get a dedicated contact person rather than a rotating call center representative.
Most clients complete the program in 24–36 months. Timeline depends on total enrolled debt, your monthly deposit amount, and creditor negotiation outcomes. Some clients with smaller debt loads finish in 12–18 months. We provide a personalized timeline during the free consultation.
Unsecured debts including credit card balances, medical bills, personal loans, private student loans, and collection accounts. Secured debts like mortgages and auto loans cannot be settled. We review your specific debts during the initial consultation.
Yes. Debt settlement is a legal process regulated by the FTC and individual states. However, the industry does have bad actors — which is why verifying a company’s BBB record, reading real reviews, and understanding the fee structure is important before enrolling. Debt Redemption is a BBB A+ Accredited Business with a 4.94/5.0 customer rating.
You can exit the program at any time with no cancellation fees or penalties. All funds in your dedicated savings account remain yours — you have full control. We don’t lock clients into contracts they can’t leave.

Let's see if we can help.

No pressure. No scripts. Just a real conversation about your options. If settlement isn't right for you, we'll say so.

(800) 971-4060

Mon–Fri, 8am–6pm Central

BBB A+ Accredited
Veteran-Owned
FTC Compliant
No Upfront Fees

San Antonio (HQ) · Dallas

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