In Texas, if you file for bankruptcy and have secured debt, you generally have two options: reaffirm the debt or surrender the collateral. A secured debt effectively turns into an unsecured debt if you surrender the collateral, which may make sense to do more than you think.1. Request a Credit Builder Loan. Please contact our Consumer Lending Center at 210-945-3300 to apply for a Credit Builder Loan. For secured and unsecured loans in San Antonio, Jefferson Bank has you covered. A loan officer can meet with you to discuss your personal needs. San Antonio Debt Settlement can help reduce unsecured debt while lowering interest rates. A chapter 13 bankruptcy can help you re-pay your creditors an amount that you can afford. Contact our law office to find out more. Individuals with bad credit in San Antonio can explore FHA loans, which allow lower credit scores, or VA loans for veterans.