Compare Top Debt Settlement
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National Debt Relief
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Get a free consultation! |
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Learn More | Read More |
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Freedom Debt Relief
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Specializes in debt settlement services. Debt can be settled in 24 to 48 months, and fees range from 15% to 25%. $7,500 minimum debt required. Track progress 24/7 via online dashboard. No-risk debt relief consultation offered. |
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CreditAssociates
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Works with unsecured debts only, such as credit card, medical and business debt. Eliminates debt in 24 to 48 months. Service fee is 15% to 25%, and a free initial debt consultation is available. Not available in all states. |
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Accredited Debt Relief
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Best for clients with $10,000 or more in unsecured debt. Says it could reduce your debt by up to 40%. Over $3 billion in client debt paid off. Your quote is 100% free and will not affect your credit score. |
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CountryWide Debt Relief
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Offers options for debt relief, including debt consolidation programs, debt settlement and credit counseling. Helps people facing financial hardships or bankruptcy. Not a direct lender. Recommends a minimum debt of $10,000. |
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Learn More (877) 944-9077 | Read More |
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Pacific Debt Relief
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$10,000 minimum debt required. Low monthly program payment and no upfront fees. Service fees vary between 15 and 25% of the total debt enrolled. Most results take 24-48 months. Offers debt negotiation, but not consolidation loans. |
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Debt Rx
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Get personalized service and attention when you’re seeking debt relief. Find out more about your debt relief options with a free confidential consultation, and use its debt calculator to see how much you can save. |
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Learn More (844) 984-0780 | Read More |
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Golden Financial Services
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Location
600 Palm Ave., Ste. 221
Imperial Beach, CA 91932
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Brownstone Law Group
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Location
2534 State St., Ste. 417
San Diego, CA 92101
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Fleming Debt Relief
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Location
121 Broadway, Ste. 355
San Diego, CA 92101
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Mission Federal Credit Union
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Location
269 West Washington St.
San Diego, CA 92103
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My Big Debt
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Location
113 W. G St., Ste. 610
San Diego, CA 92101
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DJ Rausa Attorney At Law
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Location
1081 Camino Del Rio S., Ste. 108
San Diego, CA 92108
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DebtConsolidationCare
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Location
Online services in
San Diego, CA
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Debt Reduction Services
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Location
Online services in
San Diego, CA
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CareOne Debt Relief Services
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Location
Online services in
San Diego, CA
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How to choose debt consolidation loans in San Diego
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 |
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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 |
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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. |
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CreditAssociates |
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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 |
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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 |
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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. |
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Learn More (877) 944-9077 |
Pacific Debt Relief |
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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 |
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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. |
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Learn More (844) 984-0780 |
Golden Financial Services |
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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. |
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Brownstone Law Group |
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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. |
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