CaliforniaDebtRelief.org
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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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Debt Settlement Companies

Are you one of many California residents who are struggling to make payments on high-interest credit card debts and other unsecured debts? If so, you can breathe a little easier because there is help available - in the form of debt relief via debt settlement, debt consolidation through a credit counseling agency, or even bankruptcy.

With debt settlement, you are hoping to settle or negotiate with creditors for a reduced amount of your credit card debts. On the other hand, debt consolidation is a process where you typically combine your high-interest credit card debts and other unsecured debts into one, more affordable, and more structured payment made to a credit counseling agency. These days, both methods have become popular alternatives to bankruptcy - which has a more damaging and longer lasting impact to one's personal credit.

See your debt relief options now. To request a FREE debt relief analysis and savings estimate, start here.

How Credit Card Debt Settlement Works

As mentioned earlier, debt settlement is a proven and legal form of debt relief that has helped many consumers reduce their credit card debts. When you enroll in a debt settlement program, you are hoping to settle or negotiate with your creditors for significantly less than what you owe.

However, if you are considering debt settlement, it's important to understand the potential risks. As the term "debt settlement" suggests, credit card companies are certainly not legally required to "settle" or accept your settlement proposal. In many cases, you will be advised to stop making payments on your credit cards to save up funds, over a period of time that you can later use to make a reasonable settlement offer.

In these cases, creditors may threaten to sue if you default on the terms of your credit card agreements. In addition, many consumers who default on the terms of their credit card agreements typically see a decline in their credit scores. But in spite of the risk involving one's credit, debt settlement remains a popular alternative to bankruptcy - which, as mentioned previously, can have a more serious and longer-lasting effect on your personal credit.

Debt Consolidation or Debt Management

As noted earlier, if you are a California resident struggling with credit card debt, there are companies that offer debt settlement. However, there is also relief through another process known as debt consolidation or what is sometimes referred to as a debt management plan (DMP). Debt consolidation typically involves "consolidating," or combining, your multiple, high-interest credit card debts into a single, more affordable monthly payment made to a credit counseling agency.

When you enroll in a debt management plan, you will work with credit counselors who will review your finances and debt situation. Once they have all the financial information that they need, credit counselors will typically submit proposals (on your behalf) to creditors requesting a reduction of interest rates, or waiving or elimination of any late fees and other penalties.

Creditors that agree to the proposals are entered into the debt management plan. It's important to understand that while it is the credit counseling agency's responsibility to disburse funds to creditors, it is your responsibility to make sure that you have money available in the account set up for your monthly payment. Many reputable credit counseling agencies can even provide you with a due date (when they draw money from your account) that takes into consideration, for instance, when you get paid or have the funds available in the account.

The bottom line is, if you are struggling with debts, there is help available. The smart thing to accomplish is your due diligence. In other words, understand all your debt relief options regardless of whether you choose debt consolidation through a credit counseling agency, or choose a program offered by debt settlement companies.

Explore your debt relief options today. Get a free debt relief analysis and savings estimate, at no obligation 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
– Visalia, CA

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
– Visalia, CA

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...

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
– Stokesdale, NC

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
– Marina, CA

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
– Madison, AL

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.
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