CaliforniaDebtRelief.org
California's Trusted Name in Debt Relief
Good News! Get Credit
Card Hardship Relief:
More than $20,000 Debt, (866) 296-6217
Less than $20,000 Debt, (866) 295-5108
California Residents, See If You Qualify
Get Your Free Debt Savings Estimate Today
How much credit card debt do you have?
Slide to set your approximate debt amount.
Less debt
More debt
Free Savings Estimate will not affect your credit.
BBB Accredited
Powered by Envoy
Privacy Seals
Security Seals
How It Works
See if you qualify to...
  • Consolidate Your Debts & Save
  • Consolidate Your Debts and Save

    If you need to get relief from multiple high interest credit cards or other unsecured debts – such as medical bills, store charge cards, gas cards, or more – a debt consolidation program may be able to help you get out of debt much faster. This could, not only help to reduce stress, but also save you a substantial amount of money.

    Debt consolidation programs, also known as debt management plans (or DMPs), are typically coordinated through a credit or debt counselor who will take the time to go over your current financial situation, look at your unsecured debts, look at how much you can afford to pay each month toward your debts, then submit proposals to creditors on your behalf requesting relief.

    Overall, the goal of a debt consolidation program is to provide you with a proven and predicable way to combine or "consolidate" all your debts into a single payment each month by providing a personalized plan that, if followed each month, can help you get out of debt at an accelerated rate.

    Debt consolidation could help you:

    • Reduce Your Interest Rates
    • Lower Monthly Payments
    • Remove Late Fees and Penalties
    • Simplify Your Life with One Payment
    • Help You Get Out of Debt Faster
    Get Your Free Debt Savings Estimate Today
    Your Savings Estimate includes:
     • Total Estimated Savings
     • Estimated Monthly Savings
     • Estimated Program Length
     • and more...
  • Lower Your Monthly Payments
  • Lower Your Monthly Payments

    If you are faced with credit cards and other debts that have made your bills very difficult to manage on your own, a debt relief program may, not only be able to help you get out of debt – but also lower your payments each month. Depending on your current situation, debt relief may also be able to help reduce your interest rates, remove late fees and penalties, or even settle credit card debts for much less than you owe.

    With your free debt analysis and savings projection, a debt relief specialist will take the time to go over your current financial situation then customize a debt relief program for you, based on how much you can afford each month.

    Get Your Free Debt Savings Estimate Today
    Your Savings Estimate includes:
     • Total Estimated Savings
     • Estimated Monthly Savings
     • Estimated Program Length
     • and more...
  • Pay off Credit Card Debts Faster
  • Get Rid of Credit Card Debt Faster

    If you have high interest, or high balance credit cards, you may be on a "credit card debt treadmill" that has become very stressful, and more than you can handle on your own. While avoiding non-essential credit card purchases, and paying down your debts each month, can help you get out of debt – a proven debt relief program may be able to help you get out of debt considerably faster.

    Depending on your current financial situation, there are several debt relief programs that may be able to provide you with much needed credit card relief, including:

    • Debt Consolidation Program (Reduce interest, waive late fees and penalties, consolidate high interest debt into one lower monthly payment)
    • Debt Settlement Program (Settle high balance credit card debt for much less than you currently owe)

    Depending on the debt relief program that best meets your needs, your free debt relief evaluation can provide you with a projection of how much debt relief could save you – as well as the estimated time required to get out of credit card debt.

    Get Your Free Debt Savings Estimate Today
    Your Savings Estimate includes:
     • Total Estimated Savings
     • Estimated Monthly Savings
     • Estimated Program Length
     • and more...
  • Reduce Your Interest Rates
  • Reduce Your Interest Rates

    If you have high-interest credit cards and other debts and are need of relief – a debt consolidation program could simply your life, help you save money, and get out of debt faster by reducing your interest rates. Though a free debt relief analysis, a debt specialist will go over your existing debts, current interest, and financial situation – then make proposals to each of your creditors on your behalf, requesting lower interest rates and often more favorable repayment terms.

    Each creditor who agrees to the proposals are then added to the "debt management plan" – which can not only lower interest rates and remove late fees and penalties – but also help you get on a faster track to get out of debt.

    Get Your Free Debt Savings Estimate Today
    Your Savings Estimate includes:
     • Total Estimated Savings
     • Estimated Monthly Savings
     • Estimated Program Length
     • and more...
  • Settle Credit Cards for Much Less
  • Settle Credit Card Debts for Much Less

    If you have one or more high-balance credit card debts and need to "settle" your debt for less than you owe – a credit card debt settlement program could save a substantial amount of money.

    When credit card companies decide to sell off their "bad debt" to debt collection agencies, it is not unusual for credit card companies to sell the debt for as little as ten cents on the dollar. This is not to say that credit card companies will agree to "settle" credit card debt for as little as ten percent of the amount owed, but it stands to reason that credit card companies are often willing to accept a reasonable offer from consumers in distress who offer to pay what they can afford.

    A personalized debt relief analysis can provide a savings estimate for credit card settlement. How much debt settlement could save depends largely on the amount of credit card debt involved, the debtor's current financial situation – and the settlement policies of individual creditors.

    Get Your Free Debt Savings Estimate Today
    Your Savings Estimate includes:
     • Total Estimated Savings
     • Estimated Monthly Savings
     • Estimated Program Length
     • and more...
  • See if you qualify now
Recent Requests for Debt Savings Estimates
$15,000 debt help requested 5 minutes ago
in Perris, CA
$15,000 debt help requested 6 minutes ago
in Los Angeles, CA
$60,000 debt help requested 4 minutes ago
in Yorba Linda, CA
$20,000 debt help requested 18 minutes ago
in Los Angeles, CA
$10,000 debt help requested 23 minutes ago
in Los Angeles, CA
$10,000 debt help requested 24 minutes ago
in Los Angeles, CA
$5,000 debt help requested 18 minutes ago
in Lamont, CA
$15,000 debt help requested 37 minutes ago
in Hemet, CA
$25,000 debt help requested 42 minutes ago
in San Francisco, CA
$25,000 debt help requested 44 minutes ago
in San Francisco, CA
Your Savings Estimate includes:
 • Total Estimated Savings
 • Estimated Monthly Savings
 • See how quickly you can
 • resolve debt!
Request Yours
Learn more in our FAQ  »
Frequently Asked Questions
Q: How much could debt relief save?

A: While millions of people are struggling with credit cards and other debts, no two situations are exactly alike. Many factors will go into determining how much debt relief saves you – including how much you currently owe, what type of debts you have, who your creditors are, what your current interest rates are, and how quickly you are able to get out of debt. In addition, the debt relief program you choose will also affect how much you save. Since everyone's debt circumstances and needs are unique, it's important to get your personalized debt evaluation to see what debt relief could do for you and what your potential savings could be.

Q: How does a free debt relief analysis and savings estimate work and how long does it take?

A: A free debt relief analysis should only take a few minutes, but it's the only way to get a clear picture of how debt relief could help you, how much you could save, and how quickly you could get out of debt. With a personal debt relief analysis, a debt relief specialist will go over your current debts, then find out the amount of money you can afford to apply each month toward those debts. Your debt specialist will also take the time to listen to you, answer any questions you might have – and find out how quickly you would like to get out of debt. With this information, your debt relief specialist can then provide you with a debt relief plan or debt relief program that has been customized to meet your needs. Your free debt relief analysis and personal savings projection will not affect your credit.

Q: How does debt consolidation work and how could it help?

A: Debt consolidation is the process by which multiple high interest credit cards or other debts are consolidated or "combined" into a single lower interest rate debt. Not only can debt consolidation reduce interest rates and lower your payments, but by providing you with a customized plan to get you out of debt faster, it could also save you a substantial amount of money.

Q: How do debt consolidation loans work and could they provide relief?

A: Debt consolidation loans normally involve combining or "consolidating" multiple high interest rate debts into a single lower interest rate loan. The proceeds from the loan are then used to pay off the debt. While debt consolidation can help reduce debts and save money – there is a major drawback that should be carefully considered before proceeding. Typically, debt consolidation loans must be collateralized or "backed" by real personal property, such as your home. Should you take out a debt consolidation loan, run into a rough spot financially, and fall behind on your loan payment – you could risk losing your home. In addition, many people who take out debt consolidation loans to pay off credit cards often end up ringing up a whole new batch of high credit card charges. Now, their situation has gone from bad to worse, with high interest credit cards AND a loan to pay off.

Q: How does debt settlement work and how could it help?

A: With more and more people struggling with high interest, high-balance credit card debts – debt settlement programs have become increasingly popular, despite the fact that they will typically impact credit negatively. While the goal of debt consolidation is to pay off all your debt – just at a faster rate – the goal of debt settlement is to "settle" your debt with credit card companies for much less than the full amount owed. A personalized debt evaluation and savings estimate can help you evaluate the benefits of debt settlement.

Q: Are debt relief companies allowed to charge upfront fees for their services?

A: No, as of late 2010, debt relief services, unless they are attorney based, are no longer allowed to charge upfront fees for the services they provide. This means these companies may ONLY charge a fee AFTER they have successfully resolved or settled at least one of your debts.

Q: Aren't all debt relief companies the same?

A: No, not all debt relief companies offer the same benefits or program features. And, unfortunately there are some debt relief companies that should be avoided because they don't have a strong track record of providing a high level of service to their clients, or a strong customer rating. Perhaps they over-promise when stating the benefits of debt relief. Or, they don't give you a true picture of what the debt relief process requires. California Debt Relief is committed to providing visitors with established debt relief companies of integrity who take the time to carefully explain your debt relief options, then provide you with a realistic plan to help you get out of debt and save money – via an affordable plan that will best meet your current financial situation and needs.

Get Your Free Debt Savings Estimate Today
Your Savings Estimate includes:
 • Total Estimated Savings
 • Estimated Monthly Savings
 • Estimated Program Length
 • and more...
We can now help with IRS tax debt.
Get a free case review here or call 1-866-234-1931

Over 300,000 Residents Served

People Helping People Get The Debt Relief They Need

All across the state, people from all walks of life are struggling with credit cards and other debts and need of relief. We're here to help. View video | Text

People Helping People

If you're struggling in debt, and looking to take the first step to becoming debt free, you've come to the right place because California Debt Relief has already served over 300,000 people from all walks of life. We understand that many people get into debt for a variety of reasons -- often due to circumstances beyond their control.

The debt relief center is all about people helping people get the debt relief they need.

The fact is, particularly in these tough economic times, the faces of debt represent all of us – it's the family struggling to make ends meet, the single mom or dad often forced to rely on credit cards to pay for the necessities of life – it's the successful entrepreneur or business owner who going through a rough spot trying to manage the business -- it's even everyday people who get caught in the credit card trap – the plastic promise of buy now, pay later.

The good news is, regardless of the individual or the family, or the situation – there are caring debt relief specialists who can help resolve your debt – they understand what you're going through – So take a moment to get your free debt relief analysis and savings estimate. See what debt relief can do for you and see how much you could save.

Get Your Free Debt Savings Estimate Today
Your Savings Estimate includes:
 • Total Estimated Savings
 • Estimated Monthly Savings
 • Estimated Program Length
 • and more...

A Message From Our Founder

Here's To Your Financial Freedom!

Our mission is to help people in debt understand available debt relief options and take the first step towards becoming debt-free. View video | Text

A Message From Our Founder

California Debt Relief was founded because – It's a fact of life, especially in today's tough times, that individuals and families get into debt – for a variety of reasons – In many cases, due to circumstances beyond their control. The good news is help is available... California Debt Relief is proud to have already served over 300,000 people who are searching for information on debt relief and need a way to know free of charge – what debt relief could do for them – and what the potential savings could be. Regardless of your situation, if you're in debt – know that help is available to you – and we're ready to assist you.

Get Your Free Debt Savings Estimate Today
Your Savings Estimate includes:
 • Total Estimated Savings
 • Estimated Monthly Savings
 • Estimated Program Length
 • and more...
California Debt Relief Options

Debt consolidation is a debt relief option allowing individuals to combine or "consolidate" multiple higher-interest credit card, or other unsecured debts (such as medical bills, store or gas cards) into a single, more affordable payment each month. Typically, debt consolidation programs are coordinated by debt counselors who customize a "debt management plan" providing consumers with a proven and predictable path to get out of debt.

Pros of Debt Consolidation

  • Provides proven, predictable program to become debt free
  • Saves money, reduces interest, waives late fees/penalties
  • Allows you to pay off debts at a pace that fits your budget
  • Manages multiple debts via single more affordable payment
  • Puts you back in control of finances to help reduce stress

Cons of Debt Consolidation

  • Requires discipline to make single monthly payment
  • If you default, you revert to original creditor agreement
  • Creditors not required to accept debt relief proposals
  • Often takes 3-5 years, or more, to become debt free
  • While not necessarily harmful to your credit score, will be "noted" on your report

Summary: What to Expect with Debt Consolidation

If you have multiple credit cards and other unsecured debts like medical bills, doctor bills, store cards, unsecured personal loans, and more – a debt consolidation program coordinated through a debt counselor may be the ideal debt relief option to help you live within a set budget, reduce debts, and get on a path to become debt-free.

How do debt consolidation programs, or debt management plans work?

Typically, debt consolidation programs are coordinated by debt relief specialists, or debt counselors, who conduct brief interviews with you to get details on your credit cards and other debts, as well as how much you can realistically afford to pay each month to get out of debt.

Based on this information, your debt specialist will then customize a "debt management plan" for you. Once you approve the plan, letters will be sent on your behalf to each of your creditors requesting the benefits of debt relief – such as lower interest rates, a waiving of late fees and penalties, and generally more favorable repayment terms. Those creditors who accept the proposals are then added to the debt consolidation or debt management program. For those that do not accept debt relief proposals, you are still obligated to live up to the original terms of your cardholder agreement.

It's important to understand that, just as no two debt situations are exactly alike, no single debt solution is right for everyone. Your debt specialist can provide more details regarding debt consolidation or debt management as part of your free debt relief analysis and savings estimate.

Important: Please be advised that every debt situation is unique. A free debt relief evaluation can provide you with an overview of your debt relief options, your total projected savings, your savings each month, and the projected time to reduce or resolve debts. Your free debt relief evaluation will not affect your credit.

Debt settlement is a debt relief option that has become increasingly popular among people who need relief from high-balance credit cards (typically $20,000 to $125,000 or more). Through debt settlement, debt specialists negotiate with creditors on your behalf – with the goal of "settling" your credit card debt for substantially less than you currently owe.

Pros of Debt Settlement

  • By settling debt, you can save a substantial amount of money
  • Can help you settle credit cards in as little as 12-36 months
  • Allows you to make low monthly payments you can afford
  • Settles debt and provides alternative to bankruptcy
  • While negative to credit, not as severe or long-lasting as bankruptcy
  • Unless "attorney-based" fees only paid after successful settlement

Cons of Debt Settlement

  • Typically only benefits those with high-balance credit cards
  • Amount of money saved through debt settlement subject to taxes
  • Requires discipline to "set aside" money for successful settlement
  • Creditors may threaten, or take, legal action to collect debt
  • Negative impact on credit due to default on credit agreements
  • Creditors may not agree to accept your debt settlement offer

Summary: What to Expect with Debt Settlement

If you have one or more high-balance credit cards and are going through financial hardship – credit card companies may agree to "settle" your credit card debt for substantially less than you currently owe.

How does debt settlement work? A debt relief specialist will review your current credit card debts and the amount of money you can afford to set aside each month to accumulate a "settlement fund". Debt specialists will then negotiate with credit card companies on your behalf with the goal of settling debt for substantially less than you currently owe.

How much debt settlement could potentially save depends largely on the amount of credit card debt involved, your current financial circumstances – and the settlement policies of credit card companies.

It's important to understand that, just as no two debt situations are exactly alike, no single debt solution is right for everyone. Your debt specialist can provide more details regarding debt settlement or debt negotiation as part of your free debt relief analysis and savings estimate.

Important: Please be advised that every debt situation is unique. A free debt relief evaluation can provide you with an overview of your debt relief options, your total projected savings, your savings each month, and the projected time to reduce or resolve debts. Your free debt relief evaluation will not affect your credit.

There are many well-respected self-help credit and debt experts who provide a wealth of valuable advice on the wise use of credit and how to become debt free – experts such as Dave Ramsey, Suzie Orman, Clark Howard, and many others. But regardless of the system you follow – the first step in a successful do-it-yourself debt relief program is to do everything possible to live within your means – avoiding unnecessary "impulse" purchases that cause debts to spiral out-of-control. By creating and maintaining a realistic budget, you will avoid taking on additional debt.

In addition, you can take steps on your own to reduce existing debt by contacting creditors directly to request more favorable interest rates or terms, or offer to settle debt for less than the full amount owed.

The bottom line: If you have high-interest credit cards and other debts and are struggling to make ends meet – you are in need of debt relief. Whether you take advantage of a debt relief program such as debt consolidation or debt settlement, or commit yourself to take control of your finances and negotiate with creditors on your own – take positive steps today to get on the path to become debt-free.

7 Important Debt Relief Tips

  1. Create a realistic spending plan – a personal or family budget
  2. Set aside money each month to pay down your existing debt
  3. Stick with your plan. Avoid unnecessary "impulse" purchases
  4. Contact your creditors requesting lower interest rates or to settle debt
  5. Pay down debts one-by-one, starting with highest-interest debt
  6. Don't use credit cards! Use a debit card to stay on track
  7. Avoid taking out additional loans that add to your debt load
Important: Please be advised that every debt situation is unique. A free debt relief evaluation can provide you with an overview of your debt relief options, your total projected savings, your savings each month, and the projected time to reduce or resolve debts. Your free debt relief evaluation will not affect your credit.

Bankruptcy is generally considered to be the debt relief option of last resort. There are several types of bankruptcy: Chapter 7 (straight bankruptcy or liquidation), Chapter 13 (reorganization of debts), and Chapter 11 (debt reorganization normally used by a business or partnership). While a successful bankruptcy can provide a fresh financial start – individuals or businesses should carefully consider bankruptcy before proceeding because of its long-term financial implications.

Pros of Bankruptcy

  • Debtors given a fresh start – a new financial lease on life
  • Upon filing Chapter 7 or 13, collection efforts must stop
  • Debts discharged. Creditors forgive most unsecured debts
  • Your home, auto, and other essentials may be protected
  • Wages you earn after bankruptcy go to you, not creditors
  • From bankruptcy filing to relief takes about 3-6 months

Cons of Bankruptcy

  • Bankruptcy stays on your credit report up to 10 years
  • Makes it difficult to obtain credit for home, auto, and more
  • Requires forfeiture of your existing credit cards
  • You lose property not exempt from sale by trustee
  • Doesn't discharge student loans, tax debt, alimony
  • Debt option of last resort that can be embarrassing

Bankruptcy Overview

While bankruptcy is a debt relief option that has been able to provide a fresh start for many individuals, families, and businesses – it is a serious decision that should be carefully considered with the assistance of a financial advisor or attorney who can help determine if bankruptcy is the proper course of action.

Prior to 2005, those filing bankruptcy could choose the type of bankruptcy they preferred – and most elected to file Chapter 7 straight bankruptcy (liquidation) over Chapter 13 (structured repayment). However, rules enacted in 2005 now requires those filing Chapter 7 to pass a "means test" – to qualify, they must earn equal to or less than the average monthly income for a family of their size in their state.

In addition, before you can file for Chapter 7 or Chapter 13 bankruptcy, you are now required to complete credit counseling with an agency that has been approved by the United States Trustee's office.

While bankruptcy plays a vital role to help rescue individuals and businesses, it is important to recognize that it's not the only debt relief option. A debt specialist can provide more details on debt relief alternatives to bankruptcy as part of your free debt relief analysis and savings estimate.

Important: Please be advised that every debt situation is unique. A free debt relief evaluation can provide you with an overview of your debt relief options, your total projected savings, your savings each month, and the projected time to reduce or resolve debts. Your free debt relief evaluation will not affect your credit.
Call the Free
Credit Card
Debt Relief
Helpline!
HIGH DEBT
($20,000 - $125,000+)
(877) 927-5218
LOW DEBT
($2,500 - $19,999)
(877) 927-2907
Caring debt relief specialists helping people just like you.
Speak with a specialist today
at 1-888-863-0847
Find us on:FacebookYouTube