# Debt Redemption — Texas Debt Relief

> Debt Redemption is a Texas-based, 100% veteran-owned debt relief and debt settlement company serving Texans exclusively since 2002. A+ BBB rating. Performance-based fees: no fees until a debt is settled and a payment is made. Headquarters in San Antonio with an office in Dallas. Free consultations: 800-971-4060.

Key facts:

- Performance (settlement) fee is a flat 15% of enrolled debt — the industry standard in Texas is around 25%, making fees up to 40% lower than many competitors. A $9.95 monthly bank fee applies; optional third-party services may carry separate fees.
- Clients who complete the program typically see an approximate 45% reduction of their enrolled balance before fees. Results vary; no settlement percentage can be guaranteed under federal regulations.
- Programs are estimated at 12 to 60 months, depending on debt amount, monthly budget, and creditors.
- Services Texas residents only. Programs cover unsecured debts such as credit cards, personal loans, and medical bills.
- Under Texas law, unsecured debts generally become time-barred 48 months after the first missed payment, meaning creditors can no longer sue on that debt — a key strategic factor in Texas debt settlement.
- Debt Redemption is not a lender and does not provide credit repair, tax, accounting, or legal advice. Debt settlement will likely adversely affect creditworthiness; see the FAQ for full disclosures.

## Core pages

- [Frequently Asked Questions](https://www.debtredemption.com/faq): Eligibility, fees, credit impact, taxes, lawsuits, and the settlement process — short and full answers to common questions
- [How It Works](https://www.debtredemption.com/how-it-works): Step-by-step overview of the debt negotiation program
- [Apply](https://www.debtredemption.com/apply): Start a free, no-obligation debt assessment
- [About Us](https://www.debtredemption.com/about-us): Company history, veteran ownership, BBB profile, and Texas offices
- [Contact](https://www.debtredemption.com/contact-us): Phone, office locations, and consultation scheduling
- [Debt Consolidation Loans](https://www.debtredemption.com/loans): Affiliate marketplace to compare loan offers from multiple lenders

## Debt solutions

- [Texas Debt Relief & Settlement](https://www.debtredemption.com/resources/texas-debt-relief-settlement): Core debt negotiation program for Texans
- [Credit Card Debt Relief](https://www.debtredemption.com/resources/credit-card-debt-relief): Resolving high-interest credit card balances
- [Debt Consolidation](https://www.debtredemption.com/resources/debt-consolidation): Comparing consolidation options
- [Credit Counseling](https://www.debtredemption.com/resources/credit-counseling): Nonprofit referrals that can reduce interest rates without a new loan
- [Bankruptcy Comparison](https://www.debtredemption.com/resources/bankruptcy): Comparing settlement to bankruptcy via a referred Texas law firm
- [Medical Debt Relief](https://www.debtredemption.com/resources/medical-debt-relief): Help with medical bills
- [Personal Loan Debt Relief](https://www.debtredemption.com/resources/personal-loan-debt-relief): Resolving unsecured personal loans
- [Private Student Loan Debt](https://www.debtredemption.com/resources/private-student-loan-debt): Options for private student loans
- [Business / MCA Debt Relief](https://www.debtredemption.com/resources/business-mca-debt-relief): Merchant cash advance and small business debt
- [Veteran Debt Relief](https://www.debtredemption.com/resources/veteran-debt-relief): Programs for fellow veterans
- [Unemployment Debt Relief](https://www.debtredemption.com/resources/unemployment-debt-relief): Options when income has dropped due to job loss
- [Personal Finance Debt Relief](https://www.debtredemption.com/resources/personal-finance-debt-relief): General personal-debt management and budgeting
- [Retirement Debt Relief](https://www.debtredemption.com/resources/retirement-debt-relief): Reducing debt heading into or during retirement
- [Marital Debt Relief](https://www.debtredemption.com/resources/marital-debt-relief): Managing debt from wedding or divorce costs

## Locations

Debt Redemption serves all of Texas, with dedicated pages for major cities:

- [Houston](https://www.debtredemption.com/debt-relief-in/houston-texas)
- [San Antonio](https://www.debtredemption.com/debt-relief-in/san-antonio-texas)
- [Dallas](https://www.debtredemption.com/debt-relief-in/dallas-texas)
- [Austin](https://www.debtredemption.com/debt-relief-in/austin-texas)
- [Fort Worth](https://www.debtredemption.com/debt-relief-in/fort-worth-texas)
- [El Paso](https://www.debtredemption.com/debt-relief-in/el-paso-texas)

## Optional

- [FAQ (Markdown)](https://www.debtredemption.com/faq.md): Plain-markdown mirror of the FAQ, generated from Strapi, for LLM consumption
- [Blog](https://www.debtredemption.com/blogs): Articles on debt relief, credit, and Texas-specific financial topics
- [Privacy Policy & Terms](https://www.debtredemption.com/privacy-policy)