California Credit Card Debt Consolidation

Best Debt Strategies

If you live in the state of California, you are lucky in that you have many choices when it comes to finding a credit card debt consolidation company. Most of the largest credit card debt consolidation companies have branches in California so you will no doubt be able to find someone to help you with your credit card debt.

A credit card debt consolidation company will work with you and your creditors to lower the amount of debt that you owe them by getting a debt consolidation loan that will pay off all of your creditors. They will negotiate with the credit card companies to get a lower pay-off rate that will lessen the amount of money that you will have to pay them.

After that, they will find you a debt consolidation loan that will pay off all the creditors and allow you to make one payment to the lending company instead of many payments to your various creditors. They will also provide you with credit counseling so that you don t get into the same trouble you were in before when it comes to credit card debt.

The people of California are especially lucky since there are so many different credit card consolidation companies to choose from. Start with Consumer Credit Counseling Services (CCCS). They are located on the web at www.cccsintl.org and can give you an online consultation about your debt and what they can do for you.

Another great website for you to check out is www.lowermybills.com. They are another great credit card debt consolidation with a branch in California. This website also gives some excellent advice on how to get out of credit card debt, how to keep from getting back into debt, and much, much more.

When you are looking for a reputable credit card debt consolidation company in the state of California, you ll need to look for one that has a written agreement regarding their services and their fees. This documentation should be done in writing and should include an out clause that allows you to cancel your contract if you aren t happy with their services. They are also required to advise you of your rights and options when it comes to consolidating your credit card debt by using their company.

The laws of California don t differ a whole lot from other states when it comes to credit card debt consolidation. Just take your time and do your research. Then choose a company you are comfortable with and let them take over to get you out of debt and back on the road toward financial freedom.