San Francisco Debt Consolidation

Our nonprofit credit counseling services have helped San Francisco residents in need of debt consolidation and debt relief tackle their heavy credit card and other unsecured debt for over twenty years now! We offer residents of San Francisco a free, no obligation debt consultation that can be done on the phone or online with a certified credit counselor.

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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Debt Consolidation Services in San Francisco

Debt Consolidation is a Way Out of Debt for Residents of San Francisco, Ca

Anyone who has visited the city of San Francisco, CA can vouch for its many exceptional sights. Nestled near the Bay area, San Francisco holds the best of both worlds. It straddles both forest and sea. Residents can enjoy the beach, the urban life, and the mountain trails all in one day.

Nearly as impeccable is San Francisco’s financial literacy based on the usual set of statistics. While many big cities come with high salaries and a high cost of housing equating to luxurious lifestyles achieved with the help of credit cards, San Franciscans seem to manage their wealth and expenses quite skillfully.

Residents of this metropolis do, in fact, earn higher wages that provide comfortable living. Research also shows that these wages have continued to increase over the last year. This healthy income allows San Franciscans to stay mostly on the right side of an ever inflating cost of living. Statistics show that credit cards are utilized as commonly as in the rest of the nation, however, the residents of San Francisco are savvy in making payments on time, as well as keeping balances more manageable than on average. For this reason, San Francisco has a healthy debt-to-income ratio ranking. Overall, this disciplined behavior won them the spot of 3rd most financially fit metro area in the U.S.

These averages speak to financial stability and security; Unfortunately, they also do not reflect everyone’s day-to-day reality. Cities often come with areas of low income and low opportunity, where individuals and families are fighting to remain employed, sheltered, and fed. Additionally, job loss and unexpected or continuing medical expenses can land many homes in hardship. In these situations, debt is almost unavoidable.

Let us lend our expertise to help. Our credit counselors specialize in building step ladders out of debt using budgeting and debt consolidation. We can also negotiate manageable terms with your creditors to get you the relief from phone calls and past due bills you’ve been searching for. Once we’ve done what we do best, your only worry will be driving down Bradford above Tompkins.

San Francisco Financial Resources:

UC Davis Financial Literacy Tips and Tools

Bay Federal Credit Union Class Presentations and More

San Francisco Public Library Finance Learning Module Online

California Financial Resource Guide