Debt Relief Programs in Action in California

We’ve helped California credit users find relief from over $181.6 million in the past two years alone.

Californians face no shortage of challenges when it comes to debt. The cost of living in many cities is through the roof, leaving many Californians to rely on credit cards just to make ends meet. It’s no wonder that the average credit card debt per household is over $10,000. That’s not the kind of debt you can easily pay back using traditional means. If you want to get out of debt, you need the right debt relief program.

The information below shows you where California credit users stand with credit card debt. It also shows how some of your fellow Californians have successfully used credit counseling to overcome challenges with debt. If you’re looking for a solution, call us at to request a free, confidential debt and budget 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 are key to achieving financial success.

  • Average credit card debt per household: $10,496 [1]
  • Average available credit limit: $22,822 [2]
  • Credit utilization ratio (debt vs available limit): 25.23% [2]
  • Average number of cards: 3.23 [3]
  • % of accounts that are delinquent (at least 90 days past due): 8.37% [4]
  • Average credit score: 680 [3]
  • Most popular type of credit card: Travel rewards [5]

Debt Relief California: See our program in action!

Denise from Valencia, CA

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
Eric from Whitier, CA

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
Maria from San Mateo, CA

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