Here's Who We Are

We're Fund Virtually Everything

We fund business owners nationwide, regardless of industry, credit, or time in business. We fund it all.

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We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Business Loans Funded

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours

Houston Personal Debt Relief and Personal Debt Settlement


Personal debt is a growing problem across America, and Houston is no exception. With rising costs of living and economic uncertainty, many Houstonians are struggling with high credit card balances, medical bills, and other unsecured debts.At Delancey Street Financial, we understand how overwhelming debt can feel. Our goal is to provide Houston residents with personalized debt relief solutions to regain control of their finances. This article will explain common debt problems in Houston, detail the debt settlement process, and share tips for avoiding scams.

Debt Troubles in Houston

Houston has below average credit scores and higher debt-to-income ratios compared to other major Texas cities. Here are some key debt statistics for Houston residents:

  • Average credit card debt: $5,800 per household
  • Average credit score: 675 (below the national median) 
  • Debt-to-income ratio: 43% on average

High debt levels paired with low savings rates leave many Houston families vulnerable to unexpected expenses or income disruptions. Over 20% of Houston households carry excessive debt loads that exceed 43% of their income. At Delancey Street, our Houston debt specialists help clients tackle different types of unsecured debts, including:

  • Credit cards
  • Medical bills
  • Personal loans
  • Payday loans

We negotiate with creditors to reduce balances through debt settlement. This can resolve debts for 30-50% less than the amount owed.

How Debt Settlement Works

Debt settlement is a negotiation process that lets consumers resolve debts for less than the full balance. Here is an overview of how it works:

  • Stop payments: The client stops making payments to creditors so funds can accumulate for settlements. This pause usually lasts 24-48 months.
  • Open savings account: The client opens a dedicated savings account administered by an independent third party. Monthly payments are deposited here to save up for settlements.
  • Negotiate settlements: Once enough funds have accumulated, Delancey Street negotiates with creditors to settle debts. Settlement offers are typically 30-50% of the balance owed.
  • Pay lump sums: Accepted offers are paid from the client’s savings account in a lump sum. The remaining debt is considered “settled in full.”
  • Become debt free: Once all debts are settled, the client is legally released from the obligations and becomes debt free.

Debt settlement provides a path to become debt free for a fraction of what is owed. However, it does come with some drawbacks:

  • Fees average 15-25% of enrolled debt
  • Credit score drops temporarily during program
  • Collection efforts may intensify

The process takes diligence, but thousands have achieved financial freedom through debt settlement. It can be the light at the end of the tunnel for Houstonians trapped in debt.

Warning Signs of a Debt Relief Scam

With the growth of the debt relief industry, scams have proliferated that prey on vulnerable consumers. Here are some red flags to watch out for:

  • Upfront fees: No legitimate company charges fees before settling debts. Avoid any firm asking for upfront payments.
  • Guaranteed results: Claims that all debt can be eliminated are unrealistic. Beware of firms promising too-good-to-be-true results.
  • Request your bank account information: Do not provide your bank account number or personal information easily.
  • Pressure to enroll immediately: A reputable company will not pressure you to sign up on the spot. High-pressure sales tactics are a warning sign.
  • Unlicensed: Check license status with the Texas Office of Consumer Credit Commissioner. Firms must be registered to operate in Texas.

At Delancey Street, we never charge upfront fees or make unrealistic promises. Our Houston team has helped over 500 local families find financial freedom.

Delancey Street – Your Partner for Houston Debt Relief

With over 10 years of experience, Delancey Street has perfected the debt settlement process to help consumers across America. Our Houston office provides customized debt relief solutions including:

  • Free consultation and debt assessment
  • Client education on all debt relief options
  • Customized debt settlement program
  • Experienced negotiators to secure settlements
  • Low 15% fees paid only from settled debt
  • Client service 7 days a week

We are members of the American Fair Credit Council, adhering to strict consumer protection standards. Our Houston negotiators have settled over $25 million in consumer debt over the past 5 years.

Michelle Davis, a Houston teacher, said “Delancey Street negotiated settlements that saved me over $12,000. For the first time in years I feel hopeful about my finances.”If debt has become overwhelming, contact Delancey Street today for a free debt assessment. Our Houston debt specialists will review your situation and explain your debt relief options. There is no obligation to enroll.Call (713) 333-4444 or visit to schedule your free debt consultation. Take the first step towards financial freedom.

Debt Relief FAQs

What debts can be settled?

Debt settlement works for any type of unsecured debt including credit cards, medical bills, personal loans, and payday loans. Secured debts like mortgages or auto loans cannot be settled through debt settlement.

Will this impact my credit?

Your credit score will drop when you stop making payments, but it will gradually recover once settlements are reached and balances are reduced. On average, clients see a 50-100 point increase after completing the program.

How much could I save with debt settlement?

Savings vary case-by-case, but Delancey Street clients save 30-50% on average compared to paying debts in full. Based on your debt amount, we can estimate potential savings during your free consultation.

Can creditors sue me during debt settlement?

Creditors retain the right to sue until debts are legally settled. We aim to secure settlements before that occurs. If sued, we can refer you to legal aid resources.

How long does debt settlement take?

The process typically takes 24-48 months from enrollment to completion. The pace depends on your financial situation and how rapidly funds accumulate. We strive to settle your debts as quickly as possible.


Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$250,000 Hard money Loan

In The Media

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