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California debt consolidation: Pay your debts in San Diego, Fresno, CA

If you reside in California and you're having debt problems, then California debt consolidation programs can help you. There are a lot of California debt consolidation companies that offer a number of relief options to help you when you're in financial distress.

What are the types of California debt consolidation?

There are 2 types of California consolidation - CA debt consolidation program and California consolidation loan. To find out if at all a consolidation program would suit your purpose, go for a no-obligation free counseling with a consolidation company. Just explore the options before you choose the right one for you.

  1. CA debt consolidation program: Under this program, you can get help from CA consolidation companies who'll negotiate with your creditors in order to lower your interest rates and monthly payments. Instead of keeping track of multiple payments, you combine your bills into a single monthly payment and send it to your consolidation company. The company then distributes the payments amongst your creditors.
  2. California debt consolidation loan: It's an option using which one can pay back his bills using a single unsecured California consolidation loan. All you need to do is, pay off the consolidation loan at low interest rate and in monthly installments. Use the calculator given below and find out when you can repay your bills by taking advantage of consolidation loan.

    See how much you can save by consolidating debts
    Enter the amount you can afford to pay each month towards your bills.
    Monthly payment ($)

    Apart from unsecured consolidation loans, there are also secured California debt consolidation loans like the home equity loans that can help you pay off multiple bills together.

What are the benefits of CA debt consolidation?

With the help of a consolidation program, you can get the following benefits:

  • Reduced interest rates and monthly payments
  • Stop receiving collection calls
  • No dealing with multiple creditors
  • No need to file bankruptcy

Do San Diego consolidation companies offer similar programs?

No matter what city you live in - whether it's San Diego, Fresno, Sacramento, Long Beach, San Francisco, Los Angeles, or San Jose, you'll find that most companies offer the same basic programs as CA debt consolidation companies so as to help you consolidate bills.

Can San Jose consolidation companies help to deal with CAs?

Companies helping you with debt consolidation in San Jose assist you in dealing with collection agencies. The consultant at the consolidation company will negotiate with the collection agencies so that they lower your interest rates and offer you an affordable payment plan. San Jose consolidation companies can work with your creditors and collection agencies and have your bills consolidated into a single monthly payment.

FAQ on California consolidation and settlement

Q) The Collector says I owe $$$. I don't know how. Can a San Diego consolidation company help?
Ans: Yes, a consolidation company in San Diego or any other state, can protect you from harassment by collection agencies and negotiate a payment plan with the collector.

Q) Stressed out with multiple bills, can Los Angeles consolidation company help me pay off credit cards?
Ans: Los Angeles consolidation companies can help you replace multiple credit card (cc) bills with one monthly payment at reduced interest rates.

Q) Can creditors take away my home due to unpaid cc bills?
Ans: No, creditors can't take away your home but they can place a lien on it until you pay off your cc bills. Read more about this...

Q) Does San Francisco debt consolidation program help increase my credit score?
Ans: When you start paying off bills under San Francisco debt consolidation program, your credit score will gradually improve provided you make on-time payments on other bills as well.

Q) I owe around $20,000 from 6 accounts. I couldn't pay for a few months because I had no job. Now that I've got a job, I'd like to pay off the bills. Can companies offering debt consolidation in Fresno help me pay back the money?

Ans: Yes, there are companies offering consolidation program in Fresno. You can take advantage of these programs and start paying off your accounts at low interest rates offered by your creditors after a negotiation with the consolidation company.

Q) Can I be arrested for default on payday loans (internet payday loans) in Sacramento? Do payday lenders allow one to pay back the money through a Sacramento consolidation program?
Ans: You cannot be arrested for default on payday loans in the US. At the most, licensed payday lenders can sue you for non-payment. To avoid such lawsuits, contact a Sacramento consolidation company and enroll in one of their programs. With a Sacramento consolidation company negotiating with your lenders, you can consolidate all your payday loans at low interest rates and pay them off faster. Read more...

Q) I need to pay $100K on my credit cards. The accounts are current but things are going to change as I won't be able to make all minimum payments starting next month. That's because I've lost my previous job which paid me very well. The new job that I'm in doesn't pay that much. I have accounts with Amex, BofA, Chase, Citi etc. I live in long Beach, California. What should I do?
Ans: You can approach a Long Beach consolidation company that can help you consolidate your accounts into one affordable monthly payment, lower your interest rates, and reduce or eliminate your late payments and penalties.

However, if your income isn't enough for you to make regular payments on all accounts, then it may be a good idea to go for a CA settlement program wherein your outstanding balance can be reduced.

Q) Whom should I contact if collectors harass me in CA?
Ans: To report harassment by collection agencies and to get public assistance, you may contact the Attorney General at the address given below:

Attorney General's Office
California Department of Justice
Attn: Public Inquiry Unit
P.O Box 944255
Sacramento, CA 94244-2550

Can California debt settlement help if I can't consolidate my bills?

If you can't afford to consolidate your bills and manage the monthly payments under a consolidation program, you should try a California debt settlement program. These programs help you reduce your outstanding balance. In most cases, you can settle your bills for much less than the outstanding amount when you're under a CA debt settlement program.

Are Los Angeles debt settlement programs available?

Los Angeles debt settlement programs are available with settlement companies operating in the city. These programs work in a similar way as CA debt settlement programs. The upfront fees charged by Los Angeles debt settlement companies are capped to a certain limit as allowed by the State of California. In case you don't want to pay a third party for settling your bills, you can do it on your own. Just check out the steps to settle your bills yourself.

Whether you consolidate or settle your bills, make sure you have the self-discipline to avoid unnecessary expenses and save enough to make on-time payments on your bills. It'll save you from getting off the track and help you eliminate your bills faster.

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* Disclosures:
  • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
  • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.

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