CaliforniaDebtRelief.org
California's Trusted Name In Debt Relief
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People with multiple credit card debts may be surprised to see how much money debt relief can save each month — AND how quickly they can get out of debt with a monthly debt relief plan
— CaliforniaDebtRelief.org
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Consumer Credit Counseling

In today's economy, many Americans who are experiencing financial hardships and are struggling with credit card debts are looking for a proven way to get debt relief. If you are also falling several months behind on your credit card debt payments, you might be interested in how much money you could save by consolidating your debts.

Also known as credit counseling, debt consolidation involves taking all your unsecured and credit card debts and combining them into one, more structured, and more manageable payment plan.

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.

Choosing a Credit Counseling Agency

When you enroll in a debt consolidation or credit counseling program, credit counselors review your current debts and determine how much money you can allocate towards paying off your debts. They will typically create a strategy that can help you pay off your debts; they do so by talking to your creditors and asking for more lenient payment terms -- such as reduced interest rates or waiver of late fees and penalties. Creditors that agree to extend these benefits are placed in the debt management plan.

When choosing a credit counseling agency, you may come across both for-profit and non-profit organizations. While both types typically provide the same services, one of the main differences is that non-profit agencies generally provide debt consolidation services either for free or at a low-cost.

To make sure that you work with a reputable agency, it is generally recommended to check a company's Better Business Bureau (BBB) rating. The BBB (or your local consumer protection agency) will be able to inform you if there have been many complaints levied against the agencies you're considering. Look for consumer credit counseling reviews that aren't tarnished with criticisms or customer complaints.

Request a free debt relief analysis and savings estimate in minutes. Start by answering a few, simple questions here.

Become Debt-Free

For many people in a debt consolidation program, success generally requires discipline and a commitment to start living within their means. While it the credit counseling agency's responsibility to work out a more structured and more lenient payment plan, it is still the consumer's responsibility to make sure that they have funds in their account to make the monthly payment.

As mentioned earlier, with debt consolidation, the goal is to help you combine all your credit card and unsecured debts into one, more manageable payment plan. With a plan like this in place, you should be able to, hopefully, pay off your debts at a more predictable pace.

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.

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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
– Montrose, CO

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
– Montrose, CO

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
– Cincinnati, OH

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
– Bossier City, LA

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
– Omaha, NE

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
– Rockford, MI

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
– Oregon, OH