Integrity Debt Solutions is a company that has been dedicating its time & resources to delivering real results for Texas residents since 2004. With our money-back guarantee, we put our money where our mouth is and we’re the only company in the industry that offers a full refund if we cannot reduce your debt by at least 30%.

Another important factor is that we are a fully accredited member of the Better Business Bureau with an A+ rating and have not had one single complaint in our entire history (that’s 20 years & counting). We will work hard for you to maintain that important track record and serve you in our typical friendly & professional manner using our wide knowledge base & advanced expertise.

Lastly, we have a long list of satisfied customers who have given us permission to share their names & phone numbers. Please don’t only believe us. Believe our clients by calling them and asking them what it was like working with us. (We encourage you to ask other companies for their reference list.)

Our Credit Card Relief Education Program is a combination of financial coaching and debt settlement. It allows you to stop your current monthly payments to offer relief to your monthly budget & spending & cash flow. Rather than paying your credit card accounts directly, you will deposit a monthly amount into your dedicated savings account which is in your name & solely under your personal control. As your savings accumulate, we will contact your creditors and negotiate a settlement where both sides agree to a reduced amount. In addition, we use various Texas state law, federal law, and banking law to help you focus on becoming debt free as quickly and inexpensively as possible. Knowing how consumer protection law works in Texas will bring you a very strong measure of hope & security and save you much more money.

The Program we offer to our clients is a two-fold process. The first part is our Educational Package which offers financial coaching, budget creation, monthly expense reduction, income generating ideas, unlimited phone consultations & unlimited email support – in other words, you’ll never be alone and we walk beside you every step of the way. You get to choose how much you want to get involved in this first part. The second part is our Debt Settlement Package which outlines the estimated amount you would need to save each month and includes having our experienced negotiators contact your creditors to agree to a reduced settlement amount with each of your accounts.

There are no upfront fees for debt settlement. Integrity Debt Solutions will work with you & your personal financial situation to create a plan to become debt free so you can get started right away and not be burdened financially. Everyone’s situation is unique and we use our decades of experience to set up the plan that will work for you. Please contact us and we will share the exact numbers for you to consider.

Integrity Debt Solutions has the lowest fee in the industry. Because we are not a nationwide operation, we do not have a huge marketing & expense budget and we pass those savings on to you. The average debt settlement or debt relief company charges 20% of the total debt you have as your fee. In other words, if you have $20,000 of debt, 20% of this total is $4,000 and that is what they charge. They often try to hide or cover up this amount by saying that your monthly dedicated savings deposit has their fee included and they never quote you what their exact fee is.

Our fee is 15% of the total debt you enter into the program. Using the example above, our fee would end up being $3,000 which translates to a 25% savings or $1,000 in your pocket. However, please note that we also guarantee at least a 30% reduction of your total debt. This means that if we cannot reduce your debt by 30% or more, then you will get our entire program for free.

In addition, we are the only company to specialize in the state of Texas and we have a vast amount knowledge & experience of the unique consumer protection laws you are afforded which typically allows us to save you even more money. So, not only is our Credit Card Relief Education (CCRE) Program offering you a much more comprehensive & detailed approach that is guaranteed, and as mentioned, we charge less then everyone else in the industry.

Important disclosures: Time needed necessary to achieve success is typically 12-48 months and all dependent upon the amount of money you are able to save and/or access and/or borrow from family. Amount of money needed to be saved is typically 40% to 70% of the amount of debt entered into program. Client's creditworthiness will be negatively affected while in the program and client can be subject to collections or possibly sued. The total amount of debt client enters into program may increase due to accrual of fees & interest. Client will need to open a dedicated savings account of his/her choosing at an insured bank or financial institution. Client will own any & all funds in said savings account including any interest accrued. Client can withdraw the funds at any time without penalty. IDS does not own, control, or have any affiliation with the company administering savings account nor does IDS exchange any referral fees with the company administering the account. Client may discontinue program at any time.