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Credit Card Debt - September 2013
State of Credit Card Debt in California for September 2013 with data gathered by CaliforniaDebtRelief.org
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Credit Card Debt - August 2013
State of Credit Card Debt in California for August 2013 with data gathered by CaliforniaDebtRelief.org
Over 300,000 Residents Served
People Helping People Get The Debt Relief They Need
All across California, people from all walks of life are struggling with credit cards and other debts and need of relief. We're here to help. View video | Text
If you're struggling in debt, and looking to take the first step to becoming debt free, you've come to the right place because California Debt Relief has already served over 300,000 people from all walks of life. We understand that many people get into debt for a variety of reasons -- often due to circumstances beyond their control.
The debt relief center is all about people helping people get the debt relief they need.
The fact is, particularly in these tough economic times, the faces of debt represent all of us – it's the family struggling to make ends meet, the single mom or dad often forced to rely on credit cards to pay for the necessities of life – it's the successful entrepreneur or business owner who going through a rough spot trying to manage the business -- it's even everyday people who get caught in the credit card trap – the plastic promise of buy now, pay later.
The good news is, regardless of the individual or the family, or the situation – there are caring debt relief specialists who can help resolve your debt – they understand what you're going through – So take a moment to get your free debt relief analysis and savings estimate. See what debt relief can do for you and see how much you could save.
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• Estimated Program Length
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A Message From Our Founder
Here's To Your Financial Freedom!
Our mission is to help people in debt understand available debt relief options and take the first step towards becoming debt-free. View video | Text
California Debt Relief was founded because – It's a fact of life, especially in today's tough times, that individuals and families get into debt – for a variety of reasons – In many cases, due to circumstances beyond their control. The good news is help is available... California Debt Relief is proud to have already served over 300,000 people who are searching for information on debt relief and need a way to know free of charge – what debt relief could do for them – and what the potential savings could be. Regardless of your situation, if you're in debt – know that help is available to you – and we're ready to assist you.
• Total Estimated Savings
• Estimated Monthly Savings
• Estimated Program Length
• and more...
Debt Relief Quick Tips
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How Much Does Debt Relief Cost?
How Much Does Debt Relief Cost?Your debt relief analysis and savings projection is free. Should you choose to enroll in a debt relief program, any applicable fees must be clearly disclosed in advance – including any debt management fees or fees charged for debt settlement services. In addition, it is important to know that, effective October of 2010, no up-front fees may be charged for debt relief. Unless you have received debt relief services from an attorney and met face-to face, you cannot be charged a fee until at least one of your debts has been reduced or settled. Get Your Free Debt Savings Estimate Today
Your Savings Estimate includes:
• Total Estimated Savings • Estimated Monthly Savings • Estimated Program Length • and more... |
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Protecting Yourself Against Debt Relief Scams
Protecting Yourself Against Debt Relief ScamsWhile the debt relief center provides information, resources and videos to help serve individuals and families in debt – it's important to recognize that there are debt relief companies that may seek to take advantage of people who are in debt. This video will provide several things to look for – 5 things to be aware of when it comes to getting debt relief. Unless you are working with an attorney-based debt relief provider, meeting face to face – you cannot be charged any fees for debt relief before at least one of your debts has been successfully resolved or settled. Before signing up for any debt program, make sure the program and all aspects of the debt relief program are clearly disclosed...you should clearly understand any applicable fees as well as how much money you could potentially save, the amount of time it is likely to take to get the results you're looking for...in addition, the debt relief provider should inform you of any negative consequences that could result from using debt services. Be careful about companies that make debt relief claims that may be false or unsubstantiated – debt relief can and has been able to help people get out of debt and save money – but debt relief does not make debts magically go away. It is the consumers responsibility to have the monthly funds available to pay down debts in a debt management program or to set aside sufficient funds so that a successful settlement can be reached with a creditor Debt relief specialists should take the time to listen and understand your current situation, answer any questions you might have then go over your debt relief options. A debt specialist should not be pushy, or try to pressure you in any way - and make sure. Before you enroll in any program, you are completely comfortable that the program can meet your needs. Always research the debt relief service provider's BBB rating or debt industry credentials to ensure that you work with a solid company with a proven track record of helping individuals and families get out of debt. Get Your Free Debt Savings Estimate Today
Your Savings Estimate includes:
• Total Estimated Savings • Estimated Monthly Savings • Estimated Program Length • and more... |
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7 Important Debt Relief Tips
7 Important Debt Relief Tips
Get Your Free Debt Savings Estimate Today
Your Savings Estimate includes:
• Total Estimated Savings • Estimated Monthly Savings • Estimated Program Length • and more... |
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Tips on Debt Relief and Your Credit Score
Tips on Debt Relief and Your Credit ScoreFirst of all, it's important to note that your free debt relief analysis and savings estimate will not affect your credit because any inquiry into your credit involves what is known as a "soft inquiry" and this will not affect your credit score. Now, should you choose to enroll in a debt relief program – neither debt management or debt settlement has as serious impact on your credit as a bankruptcy – but both will have an impact on your credit. In the case of debt settlement – when people in a settlement program stop paying credit card companies in order to set aside money that can be used to make a settlement offer – credit scores will typically decline because you aren't paying the credit card companies according to your agreement. In the case of debt consolidation through a debt management plan (or DMP) – while not necessarily harmful to your credit score – the notation that you are enrolled in a program may appear on your credit report. It's also important to note that, many people in a debt consolidation program find that if they are able to stay on track and make their one consolidated payment each month and maintain on-time status month after month AND pay down their debts credit scores can actually improve. Why is this? Because two of the most important factors in determining credit scores are on time payment status AND the total amount of debt – so, again, by paying down your debts and staying on track with your consolidation plan you could actually improve your credit standing. Get Your Free Debt Savings Estimate Today
Your Savings Estimate includes:
• Total Estimated Savings • Estimated Monthly Savings • Estimated Program Length • and more... |
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Understanding Debt Relief: No Upfront Fees
Understanding Debt Relief: No Upfront FeesWith few exceptions, debt relief service providers, unless they are attorney based and meeting face to face with consumers, may no longer charge any up-front fees from a customer before debts have been successfully resolved or settled. This is as a result of consumer protections put in place by the federal trade commission effective October of 2010. If a debt relief provider has re-negotiated a customer's debts one after the other, they can collect a fee for each debt that has been successfully renegotiated. Debt relief services can require customers to set money aside in a dedicated account for fees and payments to creditors, but new regulations place restrictions on those accounts to make sure customers are protected. But again, it's important to keep in mind that, unless you are using attorney-based debt relief services, and meeting-face-to face, you cannot be charged any up-front fees before debts have been resolved or settled. Get Your Free Debt Savings Estimate Today
Your Savings Estimate includes:
• Total Estimated Savings • Estimated Monthly Savings • Estimated Program Length • and more... |
Consumer Protections
Information provided by the FTC
New government regulations in place to help protect consumers in need of debt relief.
California Attorney General Resources
Is Debt Relief Right for You?
It's understandable that, if you're like many people struggling with credit cards and other debts, you may have doubts about debt relief and whether there really is a way out and someone that can help you. California Debt Relief wants you to know we've already helped over 300,000 visitors understand debt relief options and understand that it is important to take positive action... to take steps today to get out of debt so you can put the pain, frustration, and maybe even sleepless nights behind you. Just know when you're in debt, you're not alone, many good people get into debt for a variety of reasons and debt relief is available. Even if you choose to take control of debts on your own by planning, budgeting, negotiating with credit card companies, and paying down your debts on your own – your free debt relief analysis and savings estimate could be a good starting point in helping you learn what debt relief could do for you, how much you could save, and how it could help you take control of your financial future.
• Total Estimated Savings
• Estimated Monthly Savings
• Estimated Program Length
• and more...
