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Helping State Residents Understand Options For Consolidation

Consolidate Qualifying Bills Into One Lower Monthly Payment

  • See your qualifying accounts
  • Compare best consolidation options
  • Request one lower monthly payment
  • Avoid bankruptcy

Join 2 million California residents.

See Which Bills Qualify
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A Message of Hope...

These are uncertain times for everyone. We have a message of hope for you, your family and your neighbors. We're committed to guide and support you. We believe there's no place for passing judgment, only lifting each other up as we work together to remove the burden of financial difficulties. Together we are stronger.

Help For California Residents

Debt consolidation options provide a vital lifeline for California residents who are struggling to keep up with minimum payments, those who have fallen behind, or those who are being forced to use credit cards or personal loans to take care of personal or business expenses.

Which Accounts Are Eligible?

Most of these accounts are eligible: credit cards, store cards, medical bills, personal loans, and other unsecured debts not backed by collateral.

What Are The Benefits?

These plans are designed to consolidate all qualifying accounts into one lower monthly payment so you can resolve financial burdens faster without declaring bankruptcy. This could immediately provide much-needed breathing room for you each month.

We're here to help you. We've served over 2 million California residents since 2009.

Understanding Debt Relief Options

Many residents who are experiencing tough financial times and searching for debt relief options are considering a wide variety of debt relief programs, in addition to personal bankruptcy. Like so many others across the country, many residents of California find themselves in over their heads and need assistance to help with managing, reducing or paying off debts from credit cards and unsecured debts like utilities, department store charges, or medical bills. Luckily, there are debt relief options or "solutions" that may allow you to lower your payments, reduce debts, save money, and get out of debt at an accelerated pace. These debt relief options typically include debt consolidation, debt management via credit counseling, debt resolution, or even bankruptcy.

How Debt Management or Debt Consolidation Plans Work

Also known as a "debt management plan" or DMP, debt consolidation is coordinated with the help of a debt counselor or credit counselor. Debt consolidation typically can help consumers with high interest debts spread across multiple credit cards by combining or "consolidating" those debts into a single, more workable payment plan made to a credit counseling agency.

The goal of a debt management plan is for the counselors, working on behalf of consumers, to conduct brief interviews with consumers to get a good understanding of their existing debt load and the amount of money consumers can reasonably afford each month to pay down their debts on a predetermined schedule. One by one, creditors are then contacted by credit counselors requesting that they accept proposals to extend the benefits of debt relief to consumers who are experiencing a financial hardship. These benefits may include lower interest rates, a waiving of late fees and penalties, and even monthly payments they are more affordable.

The good news is, when consumers stop racking up new credit card charges and begin to pay down debts month after month on a set schedule, and at lower interest rates, the process of debt resolution and paying off the principal amount of debt becomes predictable – and even exciting for consumers who are used to spiraling debt being a sad fact of life! Debt management plans can be very effective and save a substantial amount of money if followed faithfully. Although they do not make debts magically go away, they are an honorable way for consumers to get out of debt on a predictable path and live up to their financial obligations as promised.

If you are considering debt consolidation or a debt management plan coordinated with the help of a credit or debt relief counselor, take a moment to find out how debt plans may be able to help you resolve debts faster. Get your free debt relief evaluation and savings estimate.

What Is Debt Resolution and How Does It Work?

Debt resolution or debt negotiation may be a reasonable debt relief alternative to bankruptcy for many consumers who are truly unable to meet their financial obligations or have very high balances on their credit cards. While the goal of debt consolidation or debt management is to payoff the full amount of multiple high interest debts, just at a lower interest rate and via one consolidated monthly payment; the goal of debt resolution is to negotiate with creditors in hopes that they will agree to accept a reduced amount compared to what was originally owed. Debt resolution or debt negotiation can offer an honorable strategy for many consumers to pay back a portion of the debts without declaring bankruptcy, and potentially save a substantial amount of money in the process.

Although the opportunity to save a substantial amount of money with debt resolution, it's important to remember that there can also be drawbacks to this form of debt relief. It's common for your credit score to be impacted negatively because when you when you enroll in a debt resolution program and resolve your debts, it usually involves "falling behind" on your monthly credit card payments in order to redirect the funds to build up a resolution offer for a creditor. In addition, as you fall behind in making payments, creditors may threaten, or take, legal action as you are not living up to the terms of your credit card agreements. Finally, it is important to understand that while debt resolution has become increasingly popular because it can help consumers save a substantial amount of money, the money saved through debt resolution is subject to federal taxes.

If you are struggling with credit cards and in need of debt relief, find out how structured debt relief plans could help you save money and resolve debts faster. Get your free debt relief evaluation and savings estimate.

You might be wondering why credit card companies would be willing to resolve debt with consumers for less than the full amount owed. For consumers who fall behind in payments by 90 to 120 days or more, credit card companies may often "sell off" what is considered "bad debt" to a third party collector for as little as 10 cents on the dollar, so it is not surprising that creditors may be willing to accept a reasonable resolution offer from consumers rather than get little or nothing if the debt is "sold off" or the consumer is going through such a financial hardship that they file for personal bankruptcy. The good news for consumers is that even though debt resolution will typically have a negative impact on credit, it is not as serious or long lasting as a personal bankruptcy.

If you are struggling with credit cards or other unsecured debts or going through a financial hardship and need to review your debt relief options, you can request a free debt relief evaluation and savings estimate today.

State Financial Assistance

Many residents may require assistance beyond debt relief programs for more immediate relief, such as help paying for utilities, rent or even buying groceries. To help low-income individuals and families with children, the state of California has a variety of financial assistance programs available, such as the Food Assistance Program (SNAP), Medicaid, and the Low-Income Home Energy Assistance Program (LIHEAP). To learn more about these services, go to the state's homepage and click on the Benefits page.

Are You Experiencing a Financial Hardship and Need Relief?

It's important to be aware that debt relief programs are all designed to help consumers who are truly experiencing a financial hardship, whether you're seeking debt consolidation coordinated by a credit counselor, or debt resolution using the services of a debt negotiator. Debt relief programs are not for individuals who are financially fit and able but simply want to walk away from debts and ignore the terms of their original cardholder agreements. Just as the option of personal bankruptcy was overused by some consumers on multiple occasions until the "bankruptcy means test" was put into effect to end this practice – there are financially capable consumers who choose to take advantage of debt relief programs that are designed to provide a lifeline for individuals and families going through a financial hardship.

If you are in need of relief from credit card debts, or other unsecured debts, take a moment to request your free debt relief evaluation and savings estimate today.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's bankruptcy alternatives to lower your payments and get you out of debt much faster than you ever imagined.

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, bankruptcy alternatives can help save you money and get you out of debt faster.

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.

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 there are bankruptcy alternatives that can help you save money each month and take control of credit card debts.

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 hardship programs that can help you.

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are hardship programs to help you get back on track.

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 there are hardship relief programs that can help you save money each month and help you get out of debt faster.
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