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  • Debt Buyers will purchase your debt!
  • Substantially lower monthly payments
  • Get debts off your credit while you
    pay back creditors!
  • Zero upfront costs to enroll in
    program!
  • Become debt free in 8-15 months!

Would you like to consolidate your credit card bills and free yourself from debt?

Our debt consolidation service is here to help you!

After you fill out the short online form with your contact information, a professional debt counselor will contact you and provide a free credit card debt analysis, and discuss your options.

You may then decide if the program is right for you.

Why Consolidate Your Credit Card Bills Through Our Website?

The answer is simple. You get a free, no-obligation credit card debt evaluation from a consumer recommended company.

  • Drastically lower or even eliminate interest rates!
  • Eliminate late charges and over the limit fees!
  • Substantially reduce your monthly payments!
  • Cut the years it takes to pay off your debt, fast!
  • Consolidate your bills into one simple payment!
  • No Credit Checks, Home ownership NOT required

Getting a Debt Settlement California

If you reside in California and you are having a lot of problems with your financial obligations, you should not fret because there are many companies that provide debt settlement. Without a doubt, the increasing number of the debt infested population has brought about the creation of a continuously growing debt relief industry in the state.

Debt settlement California is regarded as the most popular debt relief option. These debt settlement programs are far more popular than credit counseling, debt negotiations and debt reduction plans. In simple terms, debt settlement programs are considered as the most aggressive debt reduction option. In this program, the debt relief company will work with your creditors. They will try to settle an agreement where you will no longer have to repay for your actual debt in full. On behalf of the client, the debt counselors will ask the creditors for a reduced debt in exchange for the assurance that they will be able to collect a significant portion of the actual money that you owe them.

If you opt for a debt settlement California , the debt relief company can drastically reduce the monthly payment dues that will be required from the clients. This reduction will fall within the range of anywhere between 40% and 50% of the amount that is owed. This can be done not just by conducting aggressive negotiations to significantly reduce the debt. Instead, this reduction can be made by eliminating the finance charges that were once charged to your balance every time you missed your repayment due dates. In addition, your monthly interest rates will also be reduced.

Before you engage in any debt relief service, keep in mind that every debt relief company should follow some federal laws that deal with collection companies. These federal laws are regarded as the Fair Debt Collection Practices Act (FDCPA). These laws state that credit and debt collection companies are not allowed to directly contact the debtor if he has already notified them that all communications should be directed to the debt relief company. As such, if you get a debt settlement program, you will no longer have to worry about the multiple creditors that keep on harassing you every now and then. In addition to these federal laws, what's good about debt settlement California is the fact that it is also affected by a number of state laws.

Foremost of these laws protecting debt settlement California is that which points out that debt relief companies and other collection agencies are prohibited from charging an interest rate or a service fee of more than 10% of the actual debt owed. The state also ensures that creditors will not be able to garnish the wages of the debtors. Thus, the financial security of the debtors is ensured as the California Wage Protection protects 75% of their wages. In addition to this wage protection, the California laws also stipulate that there is a maximum period of time where legal proceedings regarding a certain debt can be processed and initiated. In the said state, the statute of limitations is a maximum of two years for those oral agreements, and four years for written contracts and open accounts.