Debt Relief Options - California
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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.

Debt Relief Options

Are you one of the many California residents who are in need of reliable debt relief options and ways to reduce your credit card debts and other types of personal debts? If so, you may be interested in finding out how much you can potentially save - every month - with debt consolidation.

Debt consolidation involves combining, or consolidating, your credit cards and other types of unsecured debts, such as medical bills, retail store charges, or utilities, into one, more structured, and more manageable payment plan made to a credit counseling agency. Credit counseling agencies, in turn, distribute funds to individual creditors in the debt management plan (DMP).

Keep in mind, however, that debt consolidation is just one of a variety of debt relief options available to residents in California and nationwide. Your debt relief alternatives can also include debt consolidation and debt settlement, which have become popular alternatives to bankruptcy, which is generally the option of last resort for many Americans, and has a more devastating and longer lasting effect on one's credit.

With a free debt relief analysis and savings estimate, you can find out how much savings you can get with debt relief.

How Does Credit Card Debt Consolidation Work?

When you enroll in a debt consolidation program, credit counselors make an assessment of your debts, income, and other financial obligations. When they have a clear picture of your finances, they typically develop a strategy and submit proposals - on your behalf - to creditors asking for lower interest rates and the waiving of late fees or other penalties. Generally, credit counselors ask for more lenient payment terms to help you direct more of your funds into paying off the principal on your debts versus just the interest.

As mentioned earlier, the goal of debt consolidation is to provide you with a single, more manageable, and more affordable payment plan so that you can reduce your debts sooner than if you only continued to make the minimum payments at higher interest rates. That's why it is a smart move to find out how debt consolidation can help you reduce your debts. Request a free debt relief analysis and savings estimate. Start here.

What is Debt Settlement?

While many consumers do find relief by consolidating their debts, others might have a completely unique debt situation that may qualify for a debt settlement program. Unlike debt consolidation where you are paying the entire amount of your debts, just at lower interest rates, with debt settlement - you are hoping to settle for significantly less than your original debt amount. However, like other debt relief options, debt settlement can potentially harm your credit.

When you enroll in a debt settlement program, you are hoping to settle with creditors for significantly less than what you owe. However, as the term "debt settlement" suggests, creditors are certainly not legally required to accept your settlement offer. In addition, many debt settlement agencies typically advise consumers not to make their credit card payments and instead, save money over a certain period of time and later use those funds to make a reasonable settlement offer.

When consumers don't make their payments, they are essentially defaulting on the terms of their credit card agreements and could potentially be sued by creditors in an attempt to recover their losses. Many consumers also typically see their credit scores dip, as a result of defaulting on their credit card agreements. But as noted earlier, many consumers have made debt settlement a popular alternative to bankruptcy - which has a far more damaging and longer lasting impact on personal credit.

How Much Can I Save With Debt Consolidation?

Because every individual's situation is unique, the amount you could potentially save with debt consolidation depends on the amount of your debts, the current interest rates that you are paying, and how much creditors are charging you in late fees and penalties. That's why it's wise to find out what a debt consolidation company could do for you and how long it will likely take for you to become debt-free.

Learn more by requesting a free debt relief analysis and savings estimate - at no obligation to you.

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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
– Kingsport, TN

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
– Kingsport, TN

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
– Wayland, MI

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
– Vista, CA

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
– Las Vegas, NV

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.
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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
– Manor, TX