CaliforniaDebtRelief.org
California's Trusted Name In Debt Relief
Free estimate by phone 1-866-584-0769
People with multiple credit card debts may be surprised to see how much money they can save with a monthly debt relief program.
— CaliforniaDebtRelief.org
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!
  • $40,000 debt relief savings estimate 3 minutes ago in Dallas, TX
  • $50,000 debt relief savings estimate 6 minutes ago in Millis, MA
  • $50,000 debt relief savings estimate 10 minutes ago in Casa Blanca, NM
  • $35,000 debt relief savings estimate 12 minutes ago in Woburn, MA
  • $37,500 debt relief savings estimate 9 minutes ago in Springfield, VA
  • $100,000 debt relief savings estimate 12 minutes ago in Columbus, OH
  • $50,000 debt relief savings estimate 9 minutes ago in Troup, TX
  • $120,000 debt relief savings estimate 10 minutes ago in Albuquerque, NM
BBB Accredited
Powered by Envoy

Debt Calculator - California

Are you experiencing tough financial times and looking for relief? Do you also want to know how soon you could get out of credit card debt and other types of unsecured debts (such as medical bills, department store charges, or even utilities) by using a debt calculator? If you are, you may be interested in finding out how much you can potentially save by consolidating your debts.

These days, many consumers from California and elsewhere in America are facing the cold, hard truth that debts simply won't just magically go away. As a starting point, you may have started looking at your finances more closely or used one of the many free debt calculators available online, and realized that your situation won't likely improve unless you become proactive about your debt crisis.

The good news is, there is help available - including debt consolidation through credit counseling, debt settlement, or a debt consolidation loan. These debt relief methods have become popular alternatives to bankruptcy - which has a more damaging and longer lasting impact to personal credit. To find out how much money debt relief can save you, answer a few, basic questions to get a free debt relief analysis and savings estimate , at no cost to you.

How Consolidation Can Lead to Savings

The term "debt consolidation" represents a wide variety of debt relief options, but what it typically involves is combining, or "consolidating," credit card and unsecured debts into one, more affordable, and relatively easier-to-manage monthly payment made to a credit counseling agency that, in turn, distributes payments to creditors. Many consumers also refer to debt consolidation as a debt management plan, or DMP. When you enroll in a debt consolidation program, you will speak to credit counselors who would take the time to review your finances, and determine how much money you can reasonably allocate toward paying off your debts.

Afterwards, credit counselors typically develop a relief strategy to help reduce your debts - they typically do this by submitting proposals (on your behalf) to creditors asking for reduced interest rates, or the waiving or elimination of any late fees or penalties. Creditors that agree to the proposals are placed into the debt management plan.

The goal of relief through debt consolidation is, with a single, more structured, and more affordable payment plan, you can ideally direct more of your payment towards paying off the principal of your loans rather than just the interest - and eventually, reduce your debts sooner than if you continued making the monthly payments on your credit card debts at higher interest rates.

What Are Debt Consolidation Loans?

Many consumers often make the mistake of thinking that debt consolidation or debt management is the same as taking out a debt consolidation loan, but they're making a wrong assumption. Debt consolidation usually involves combining your unsecured and credit card debts into a single, more affordable payment plan made to a credit counseling agency. In contrast, with a debt consolidation loan, you are combining your high-interest debts into one, lower interest loan--there is generally no credit counseling involved.

A debt consolidation loan involves taking unsecured debt and paying it off with funds that come by way of a "secured" loan. In other words, it is a loan where you would have typically put up your home or other asset to get approved. In many cases, consumers who get approved for a debt consolidation loan generally end up using their credit cards again. As a result, many of them will have new, high-interest credit card debts to deal with on top of their loan.

Under this scenario, a debt consolidation loan has generally not provided relief but made their debt situation go from bad to worse. When you consider some of the hidden pitfalls that may occur when taking out a debt consolidation loan, it is wiser to explore your other debt relief options that may help you reduce your debts, but also give you some guidance about budgeting and finances.

How Much Can You Save by Consolidating?

Each individual's debt situation is unique, as are the reasons for getting into debt in the first place. For many consumers struggling to pay off debts, the reasons vary - from having lost or reduced income, rising medical expenses, or an unexpected personal crisis. But regardless of the reasons of why you are in a debt, credit counseling may be able to help manage your debts and potentially lead to savings.

However, calculating the amount of savings that you can get, every month, depends on how much you currently owe, the current interest rates that you are paying, and any late fees or penalties you have. With a debt consolidation program, you will be provided with a more structured and more lenient repayment plan that can help you pay off your debts in more predictable timeframe and sooner than if you only continued to make the minimum monthly payments at higher interest rates.

To get started, request a free debt relief analysis and savings estimate - now.

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
– Middletown, OH

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
– Middletown, OH

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
– Morristown, TN

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
– Jacksonville, FL

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
– Woburn, MA

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
– Riverside, CA

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
– Oklahoma City, OK