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People with multiple credit card debts may be surprised to see how much money they can save with a monthly debt relief program.
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Credit Counseling - California

In this tough economy, many residents in California and nationwide are struggling with credit card debts and other forms of unsecured debts (like medical bills, department store charges, or utilities). If you are also overwhelmed with credit card debts, there many debt relief options available - including debt consolidation or consumer credit counseling, debt settlement, or even bankruptcy.

Many consumers have made both options popular alternatives to bankruptcy, which is also a form of debt relief, but one that can cause a more damaging and longer lasting impact on your credit rating.

Credit Counseling - Debt Relief

If you're like many Americans struggling with high-interest credit card and unsecured debts, there are debt relief programs that may help you regain financial control. One approach is debt consolidation through credit counseling, which allows you to combine all your credit card and unsecured debts into one, more structured, and more manageable payment plan.

To see what debt relief could do for you, and how much you could save, get your free relief analysis along with a free savings quote. Simply answer a few, basic questions to get started.

Types of Credit Counseling Services

Due to the sheer number of Americans trapped in their own debt crisis, the debt industry has grown leaps and bounds. One of the results is the proliferation of different types of debt relief services, including credit counseling, non-profit debt consolidation, or Christian credit counseling--which offers debt relief guidance based on principles from the Bible.

But regardless of the type of organization you choose, the services provided are generally similar. What debt consolidation typically involves is combining, or "consolidating," your unsecured and credit card debts into a single, more structured, and easier-to-manage monthly payment made to a credit counseling agency. The credit counseling agency then distributes those funds to your individual creditors.

The goal is, with a successful debt consolidation or debt management program (DMP), you can direct more of your funds towards paying off the principal of your debts versus just the interest.

Debt Consolidation: What to Expect

When you enroll in a debt consolidation program, a credit counselor will review your outstanding debts (credit cards and unsecured debts) and determine how much money you could reasonably allocate to paying off those debts. Then, they typically request your individual creditors for a more affordable repayment plan, meaning, one that includes reduced interest rates, or waiver of late fees and penalties. Creditors that agree to extend these proposals are then placed into the debt management plan.

With a more lenient and more structured payment plan, you could, ideally, pay off your debts sooner than if you only continued to make the minimum monthly payments.

See how debt relief can help you. Answer a few, simple questions to get a free debt relief estimate and savings analysis - at no cost to you.

Freedom from Debt

For Californians in need of debt help, there is a variety of debt relief options available, including debt consolidation through a credit counseling agency. With this approach, you can, hopefully, pay off your debts at a more accelerated and more predictable pace--provided you follow the plan faithfully.

To find out how debt relief could help you, request free debt relief analysis and free savings estimate.

Answer a few questions now to get started.

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People helping people get the debt relief they need.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Carlsbad, NM

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Carlsbad, NM

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Plant City, FL

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Hot Springs National Park, AR

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
Who we're helping right now...
$35,000 debt relief savings estimate
– O Fallon, MO

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– Glen Burnie, MD

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even settle debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Lowville, NY