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Texas Resolution Group is a debt resolution company offering virtual, attorney-assisted negotiation between debtors and creditors to settle outstanding debts without court proceedings.
Data compiled from public sources
Texas Resolution Group, LLC is a Texas-based debt relief company founded with the mission to help individuals and businesses resolve debt issues efficiently and affordably. The company has been operating for 15 years and claims to have assisted over 10,000 people across Texas with a reported success rate exceeding 99%. They position themselves as an alternative to traditional collection agencies and court-based debt resolution processes.
The company offers virtual debt resolution services that facilitate negotiation between clients, creditors, and debt collectors. Their core service uses an attorney-assisted process that eliminates the need for in-person meetings between parties. Instead, Texas Resolution Group acts as an intermediary, communicating back and forth between clients and creditors to reach mutually acceptable settlements. They work with major banks (Bank of America, Chase, Discover, American Express, Citibank, Capital One, Wells Fargo), debt purchasing companies, collection agencies, and other creditors.
Texas Resolution Group differentiates itself through their virtual-first approach, claiming this saves time and money while reducing the discomfort of face-to-face confrontations. Their process allows parties to deliberate positions carefully without meeting-table pressure and eliminates scheduling delays. The company emphasizes cost efficiency, integrity, and personable communication with all parties involved.
While the company presents a legitimate debt resolution alternative, consumers should note that specific fee structures, success rate documentation, and attorney credentials are not detailed on the website. The claims of 99% success rate and 15-year track record are stated but not independently verified. Potential clients should inquire about fee transparency, state licensing, and what specific settlements typically look like before engaging services.
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This is state-level context for Debt Relief consumers in Houston, TX. It does not confirm that Texas Resolution Group or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Relevant law: Texas Credit Services Organization Act (Tex. Fin. Code Ch. 393 (§ 393.001 et seq.))
Registration: Required with Texas Secretary of State
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Texas Resolution Group offers 10 services including Virtual debt resolution and settlement negotiation, Attorney-assisted debt communication between clients and creditors, Debt collection defense counseling, Court system debt resolution for cases already in litigation, Creditor negotiation on behalf of clients, and 5 more.
Texas Resolution Group has profile signals associated with Texas residents with multiple debts in collections seeking settlement without litigation, Individuals who are geographically distant from creditors and prefer to avoid in-person meetings, People overwhelmed by debt collection calls and legal notices who need guided negotiation assistance, Those seeking an alternative to expensive bankruptcy or formal legal proceedings.
Key strengths: Virtual process eliminates need for physical meetings, saving time and travel costs for clients; Attorney-assisted negotiation model provides legal guidance throughout the resolution process; Claims to work with major creditors (Bank of America, Chase, American Express, Wells Fargo, Discover) suggesting established industry relationships. Areas to consider: Website provides no specific fee structure, pricing models, or cost transparency for potential clients; Success rate of 99% is claimed but not independently verified or defined (unclear what 'success' means).
In the Debt Relief category, comparable providers include Advance Tax Relief LLC - South Houston, America Debt Resolutions, LoBue Law. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Texas Resolution Group is best suited for Texas residents with debts in collections who want attorney-assisted settlement without court proceedings and prefer virtual communication. The main caveat is that the website lacks listed fee information, comparable public verification context of claims, and details about attorney qualifications—prospective clients should request clear pricing and credentials before engaging.
Houston-based tax debt relief firm offering IRS negotiations, offer in compromise settlements, and back tax resolution through attorneys and enrolled agents.
Profile signals: Individuals with significant back tax debt and IRS collection actions (wage garnishments, liens, levies), Business owners with corporate or payroll tax liabilities needing OIC negotiations
America Debt Resolutions offers debt consolidation and settlement services with a focus on personalized, listed guidance. The company emphasizes relationship-building and stress-free debt resolution over 12-60 months.
Profile signals: Consumers seeking personalized, relationship-based debt guidance rather than algorithmic processing, Individuals with multiple unsecured debts (credit cards, personal loans) who want a single point of contact
Plano, TX bankruptcy law firm handling Chapter 7, 13, and 11 cases plus debt settlement. Chapter 7 can start with $100 down; free initial consultation.
Profile signals: Collin and Dallas county residents overwhelmed by credit card debt or medical bills considering Chapter 7 discharge, Homeowners behind on mortgage payments who want to use Chapter 13 to stop foreclosure and catch up
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A step-by-step guide to consolidating your debt on your own, without paying a debt consolidation company. Covers balance transfers, personal loans, the snowball method, and negotiating directly with creditors.
Read guide →A step-by-step 90-day plan to assess your finances, attack debt, dispute errors, and rebuild credit. Real timelines, specific actions, and legal protections you can use immediately.
Read guide →Learn how debt management plans reduce interest rates, negotiate with creditors, and help rebuild credit in 3–5 years. Real timelines and eligibility rules.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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