Credit Card Debt Consolidation - California
CaliforniaDebtRelief.org
California's Trusted Name in Debt Relief
See If You Qualify 1-877-486-7142
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Privacy Verified
Security Seal
Which debt relief program saves you the most each month?
Find out today which debt relief programs you qualify for and how much money you could be saving each month!
  • $65,000 debt relief savings estimate 5 minutes ago in Norfolk, VA
  • $60,000 debt relief savings estimate 3 hours ago in Virginia Beach, VA
  • $35,000 debt relief savings estimate 4 hours ago in Richmond, VA
  • $55,000 debt relief savings estimate 4 hours ago in Newport News, VA
  • $50,000 debt relief savings estimate 4 hours ago in Norfolk, VA
  • $55,000 debt relief savings estimate 4 hours ago in Norfolk, VA
  • $92,500 debt relief savings estimate 5 hours ago in Galax, VA
  • $32,500 debt relief savings estimate 5 hours ago in Charlottesville, VA
BBB A+ Rated
Powered by Envoy
Debt Relief – How It Works
Over the years one of the most common questions we get from people who come to our site is "How does it work?"
This video explains how the free debt relief savings estimate works, how debt relief programs work and if there is any cost.

Credit Card Debt Consolidation - California

If you are like many Americans living with credit card debts and in need of a proven way to reduce them, you might be interested in finding out how much you can potentially save - every month - through debt consolidation. In California, as well as in other states, many consumers need help not only managing their debts, but guidance when it comes to budgeting their money.

With debt consolidation, you will work with credit counseling companies that can provide you with a single, more manageable, and more structured repayment plan. Many consumers have made debt consolidation a popular alternative to bankruptcy, which is also a form of debt relief, but has a more damaging and longer lasting impact on your credit rating.

If you want to explore your debt relief options, request a free debt relief analysis and savings estimate. Begin now.

What Can I Expect With Debt Consolidation?

Debt consolidation, or a debt management plan (DMP), typically involves combining, or "consolidating," your high-interest credit card debts into one, more structured, and more affordable repayment plan made to a credit counseling agency that, in turn, disburses the funds to your creditors. It also allows individuals to combine their unsecured debts, such as medical bills, retail store charges, or even utilities, into one, more manageable payment plan.

During the initial phase of debt consolidation, you will normally speak to credit counselors who will do a full assessment of your finances - taking into consideration your debts, income, and other obligations. When they have a complete picture of your debt situation, credit counselors - in an effort to provide you with a more lenient payment plan - will submit proposals to your creditors asking for reduced interest rates, and the waiving of any late fees or penalties. The goal is to provide you with a single, more affordable, and more manageable payment plan that will, it's hoped, allow you pay off your debts sooner than if you only continued to make the minimum payments at higher interest rates.

If you want to find out if you qualify for savings, and how long it might take you to realize those savings, through debt consolidation, request a free debt relief analysis and savings estimate. It only takes minutes and it is at no cost to you.

How Much Can I Save With Consolidation?

When it comes to finding out how much you can potentially save through debt consolidation, the reality is, each individual's situation is unique and no one can say for certain how much money you can save. However, the amount of savings generally depends on how much your original debt is, the current interest rates that you are paying, and any late fees or penalties you have. That's why it is smart to check your credit report on a regular basis so you can get a sense of where your credit stands and what your outstanding debts are.

As you explore your debt relief options, it is wise to perform your due diligence when choosing a debt consolidation company, regardless of whether it is a for-profit or non-profit organization. One way is to review a company's Better Business Bureau (BBB) rating to find out the company's track record of customer service. The bottom line is, if you are overwhelmed with credit card and unsecured debts, there is a debt relief option available to help you create a game plan towards reducing your debts and regaining control of your finances. Take the first step by getting a free debt relief analysis and savings estimate.

Saving thousands of dollars feels really good!
Know your debt relief options.
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
– 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
– Niagara Falls, NY

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