California Debt Consolidation

We’ve assisted many California residents in need of debt consolidation get out from under the burden of heavy credit card and other unsecured debt for over twenty years! Our nonprofit organization offers a free consultation that can be completed on the phone or online with one of our certified credit counselors.


Will Debt Consolidation Help?

  • Get a free financial assessment
  • Learn about your options
  • Find a plan that fits your budget
  • Reduce interest rates and stop late & over limit fees
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California Debt Consolidation Availability

Find debt consolidation and other debt relief services in your area by clicking on it below:

Will Debt Consolidation Help Me?

In California we’ve equipped many individuals with the necessary tools and help needed to improve their overall financial picture with our debt consolidation program. Our program is designed to help on a short and long term level by reducing high interest rates as well as consolidating unsecured debt payments into one monthly payment. In many cases this has decreased the time needed to repay the original debts in full by several years!

Debt Reduction Services provides an extensive review of your household budget and makes recommendations that are specific to your needs. The desired outcome is to provide you with a plan that you can enact in order to achieve both short and long-term debt relief.

We provide free phone and internet counseling sessions to all California residents that are in need. Be sure to contact us today and discuss the options available to you that may provide you with both quick and long-term debt relief such as our debt consolidation program or our student loan counseling services.

Credit Card Debt in California                                            

California residents on average carry $5,2341 in credit card debt. When you combine that with student loan, payday loans, medical debt or collection debt it’s easy to see the need for our free debt consolidation consultation. Unfortunately, recent statistics show that credit card debt totals have risen and the number of delinquencies has grown by .7%2 over the last year in California.

Credit Score Averages in California

Californians are in the bottom half of states in the country in credit scores with an average of 6873. This places California in thirtieth overall in the United States. Our debt consolidation  consultation and credit counseling session is provided free of charge. As a nonprofit that has helped individuals regain control of their finances for over twenty years, we believe our knowledge can help you live a life free from the burden of debt.

Free Financial Resources for California Residents

Sometimes knowing where to turn to for help is the turning point needed to get out of tough financial situations. Debt Reduction Services has compiled a state by state repository of financial assistance programs in your area and we encourage you to take a look at the potential options available.

List of Free Financial Resources for California Residents

Our Certified Nonprofit Credit Counselors are ready to help you regain control of your financial situation. The call and consultation are free and the help is real so please, call today! 1-877-688-3328

We are a licensed debt management service provider and service all of California.


  1. Average Credit Card Debt by State–Transunion
  2. Average Credit Card Delinquency by State– Transunion
  3. Average Credit Card Score by State Governing