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Find the Best Debt Consolidation in San Diego, CA

Debt consolidation can bring relief from high-interest or multiple unsecured debts by combining payments into one at a lower interest rate. Ideally, a debt consolidation company eliminates multiple creditors, reduces monthly payments, simplifies bill-paying and expedites debt pay-off. We researched providers of the best debt consolidation in San Diego to assist you with managing your debt.

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#1 OUR FAVORITE
National Debt Relief
Overall satisfaction rating
  • Available in San Diego
  • No upfront costs or fees
  • Quick qualification process
  • Minimum $10,000 debt required

Get a free consultation!

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#2
Freedom Debt Relief
Overall satisfaction rating
  • Customizable plans
  • Minimum $15,000 debt required
  • Cash-out refinancing
  • Available in San Diego

As the largest debt negotiator in the nation, Freedom Debt Relief has resolved over $10 billion in consumer debt. Through their proven debt relief program, they have helped hundreds of thousands of Americans significantly reduce the amount they owe

Learn More (866) 515-6714 Read More
#3
CreditAssociates
Overall satisfaction rating
  • Available 24/7
  • Available in San Diego
  • Collateral not required
  • A+ BBB rating

CreditAssociates works with clients to provide fast and affordable debt relief. They provide free consultations for a wide-range of debt needs including credit card, medical, personal loans and more.

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#4
Accredited Debt Relief
Overall satisfaction rating
  • Settlement option
  • Minimum $10,000 debt required
  • Credit counseling
  • Available in San Diego

From bankruptcy and credit counseling to debt counseling, management, and debt settlement, the experts at Accredited Debt Relief are ready to assist you.

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#5
CountryWide Debt Relief
Overall satisfaction rating
  • No credit required
  • Minimum $10,001 debt required
  • Free consultation
  • Available in San Diego

With a combined 30 years experience and an A+ rating from the Better Business Bureau, CountryWide Debt Relief has helped thousands of people resolve millions of dollars in debt.

Learn More (877) 944-9077 Read More
#6
Pacific Debt Relief
Overall satisfaction rating
  • Available in San Diego
  • Minimum $10,001 debt required
  • One low monthly program payment
  • Over 15 years settling debt

At Pacific Debt Inc, a certified debt counselor will act as your personal account manager to work with you with you on a plan to get out of debt

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#7
Debt Rx
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Free, no obligation debt analysis
  • Tailored debt solutions for each customer
  • Services offered in Spanish

Debt Rx is one of the longest operating Debt Settlement and Debt Negotiation firms in America. Their team of debt negotiators has settled millions of dollars of unsecured debt

Learn More (844) 984-0780 Read More
Golden Financial Services
  • Flexible terms
  • A+ BBB rating
  • Debt validation
  • Bankruptcy cases
Location
600 Palm Ave., Ste. 221
Imperial Beach, CA 91932
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Brownstone Law Group
  • Debt refinancing
  • Debt forgiveness help
  • Settlement negotiation
  • Credit counseling
Location
2534 State St., Ste. 417
San Diego, CA 92101
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Fleming Debt Relief
  • M-Sat: 9am - 10pm
  • Sun: 9am - 9pm
  • flemingdebtrelief.com
Location
121 Broadway, Ste. 355
San Diego, CA 92101
Mission Federal Credit Union
  • M-Th: 9am - 5pm
  • F: 9am - 6pm
  • Sat: 9am - 1pm
  • missionfed.com
Location
269 West Washington St.
San Diego, CA 92103
My Big Debt
  • M-Th: 7am - 7pm
  • F: 7am - 1pm
  • Closed Sat
  • Sun: 7am - 7pm
Location
113 W. G St., Ste. 610
San Diego, CA 92101
DJ Rausa Attorney At Law
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • debtdoc.com
Location
1081 Camino Del Rio S., Ste. 108
San Diego, CA 92108
DebtConsolidationCare
  • M-Sun: 9am - 6pm
  • debtconsolidationcare.com/california
Location
Online services in
San Diego, CA
Debt Reduction Services
  • M-Sun: 9am - 6pm
  • debtreductionservices.org/debt-consolidation/san-diego-california
Location
Online services in
San Diego, CA
CareOne Debt Relief Services
  • M-Th: 9am - 8pm
  • F: 9am - 6pm
  • Closed Sat and Sun
  • careonecredit.com/debt-consolidation/california/san-diego
Location
Online services in
San Diego, CA

How to choose debt consolidation loans in San Diego

San Diego Skyline

Since San Diego residents spend a high percentage of income on housing, budgets are tight. Debt consolidation can help San Diegans meet financial obligations.

Debt consolidation companies evaluate your unsecured debt. This debt, such as from credit cards, isn’t tied to property. The company will recommend plans to help you pay it off. Many choose a debt consolidation loan, which combines multiple credit obligations into one payment at a lower interest rate than you are currently paying. Beware, if the rate is higher, you will probably add to your debt.

Average household credit card debt Median household income
San Diego $8,665 $63,400
California $10,496 $64,500
United States $9,333 $59,516

Typically, debt consolidation companies make the loan to you and negotiate settlements with your creditors. For those struggling to control finances, debt consolidation can be a strategy to avoid bankruptcy.

Pros of debt consolidation Cons of debt consolidation
Lower interest rate Does not reduce amount owed
Simplify bill pay process Long-term loan can result in more money paid
Affordable monthly payment Can affect credit score in short term
Eliminate calls from creditors You must modify spending habits

Finally, the California Department of Business Oversight offers basic guidance for those considering services from a debt consolidation company in San Diego. The San Diego Financial Literacy Center offers education programs to individuals, families, students and military to help manage finances and develop healthy financial habits.

San Diego Debt Consolidation Reviews

National Debt Relief

National Debt Relief offers debt relief alternatives to bankruptcy. The company has settled more than $1 billion of debt and has an A+ rating with the Better Business Bureau. San Diego customers give National Debt Relief good reviews and say the company’s counselors make the process easy and care about their customers.

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Freedom Debt Relief

Freedom Debt Relief is the largest company of its kind in the U.S., with headquarters in San Mateo, California. Two Stanford Business School graduates founded FDR in 2002. It’s worth noting that in 2017 the Consumer Financial Protection Bureau sued Freedom Debt Relief, and the company settled another lawsuit in 2009.

Freedom Debt Relief Learn More (866) 515-6714

CreditAssociates

A proprietary electronic debt settlement system combined with expert debt consultants makes Credit Associates an effective choice for debt relief. Reviews say that customer service is helpful and communicates well throughout the process, which lasts between two and three years. You can get a free consult with no obligation by contacting the company.

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Accredited Debt Relief

Accredited Debt Relief matches customers with debt relief programs that fit their needs. San Diego clients might appreciate this company’s corporate support of local non-profit organizations, such as Father Joe’s Villages and Wounded Warrior Project. Their Mission Valley office is conveniently located in central San Diego. Reviews are mixed.

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CountryWide Debt Relief

CountryWide Debt Relief provides debt consolidation programs and referral to third-party lenders for debt consolidation loans. Reviewers in Southern California are generally satisfied with the results of debt consolidation with CountryWide. San Diegans who prefer in-person services can make an appointment to visit one of their California offices.

CountryWide Debt Relief Learn More (877) 944-9077

Pacific Debt Relief

Pacific Debt Relief has settled more than $200 million in debt since 2002 and holds an A+ rating with the BBB. The company helps people get out of debt and also offers education on learning how to live debt-free in the future. San Diego customers praise the kind and responsive counselors.

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Debt Rx

An experienced debt relief company, Debt Rx helps those with $7,500 or more in credit card debt. Being smaller than its competitors allows the company to tailor solutions to your situation. Online reviews praise the customer service team for being good communicators while helping to reduce their debt.

Debt Rx Learn More (844) 984-0780

Golden Financial Services

Golden Financial Services is located in Imperial Beach, in south San Diego County. San Diegans will appreciate their informative website, which gives potential customers more state-specific information than its competitors. Reviewers like the customer service and report satisfaction with progress on their debts.

Golden Financial Services

Brownstone Law Group

Brownstone Law Group offers debt counseling from attorneys specializing in personal finance. With offices in downtown San Diego, this local firm might appeal to San Diegans who prefer to have a lawyer handle their debt negotiations. Reviewers appreciate their personal approach to each case.

Brownstone Law Group