Debt Consolidation in Action: California

See how your neighbors are using credit counseling to overcome debt.

There’s no shortage of challenges that Californians face that often have a financial impact in residents’ everyday lives. From state itself skirting bankruptcy during the Great Recession to current water shortages that are impacting people’s livelihoods in industries like agriculture, sometimes it seems like adversity is everywhere. Still, by and large, Californians are facing these challenges head-on and overcoming issues with debt in spite of an often uphill battle.

The information below can help you understand how debt is impacting you and your neighbors in California. We also show you how some of your fellow Californians have successfully used credit counseling to overcome issues with credit cards and other unsecured debts. If you’re working to get ahead, call us at or complete an online application to request a free confidential debt evaluation from a certified credit counselor.

Debt statistics in California

The following statistics can help you understand the state of debt today in California. Overcoming challenges like these is key to achieving financial success.

[1] http://www.washingtonpost.com/blogs/govbeat/wp/2013/08/20/ranking-the-states-credit-card-debt/

All other statistics are brought to you by America’s Voice on Debt (AVOD)

Credit Counseling in Action for California residents

Below you’ll find three personal testimonials with real-life case studies of how enrollment in a debt management program helped one of your neighbors to overcome their issues with credit card debt.

I consolidated my credit cards so fast and efficiently with this program. Consolidated Credit made it all so easy!

Where she started:

  • Total unsecured debt: $17,196.00
  • Estimated interest charges: $9,052.90
  • Time to payoff: 10 years, 4 months
  • Total monthly payments: $687.84

After DMP enrollment:

  • Average negotiated interest rate: 8.56%
  • Total interest charges: $2,557.55
  • Time to payoff: 3 years, 8 months
  • Total monthly payment: $451.00
Time Saved:
6 years, 8 months
Monthly Savings:
$236.84
Interest Saved:
$6.495.35
I’m very happy with these services – it’s quick and easy to setup. The counselors are very professional and make it comfortable to transition into this program.

Where she started:

  • Total unsecured debt: $74,451.00
  • Estimated interest charges: $43,657.83
  • Time to payoff: 18 years, 8 months
  • Total monthly payments: $2,978.04

After DMP enrollment:

  • Average negotiated interest rate: 7.96%
  • Total interest charges: $18,090.40
  • Time to payoff: 5 years
  • Total monthly payment: $1,539.00
Time Saved:
13 years, 8 months
Monthly Savings:
$1,439.04
Interest Saved:
$25,567.43
I’m very satisfied with the service. The payments are always made on time and the APR reduced significantly!

Where he started:

  • Total unsecured debt: $10,525.00
  • Estimated interest charges: $6,188.51
  • Time to payoff: 13 years, 8 months
  • Total monthly payments: $421.00

After DMP enrollment:

  • Average negotiated interest rate: 2.00%
  • Total interest charges: $542.18
  • Time to payoff: 5 years
  • Total monthly payment: $185.00
Time Saved:
8 years, 8 months
Monthly Savings:
$236.00
Interest Saved:
$5,646.33

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
Click here to learn more.

Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

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