Debt Consolidation California

Too much debt can leave you feeling stressed and worried. You may not know how you are going to pay all your credit cards and other bills, and you might fall further and further behind in payments. Some people may consider filing bankruptcy, but there is another option. Debt consolidation in California is one of the best ways to get out of debt and regain control over your finances.

What are the Benefits of the UmbrellaDebt Relief Program?

Our UmbrellaDebt programs are designed to give you immediate relief from your debt problems. A consolidation loan includes all of the qualifying debt so that you will have one secure payment per month. We can negotiate with your creditors to try to reduce the amount of debt so you will save money on your repayment. You can complete the program in 12 to 48 months, leaving you free from debt so you can start over. If you are considering bankruptcy, you may prefer to obtain debt consolidation in California to reduce and eliminate debt and get your life back on track.

Types of Debt That Qualifies for Debt Consolidation in California

Many kinds of debt are eligible for debt consolidation in California. These types of debts include credit cards, personal loans, collection accounts, and medical bills, along with other unsecured debts. In general, mortgages and car loans cannot be made part of the consolidation because they are secured loans. Different types of debt that do not qualify are student loans, tax debts, and payday loans. Our debt settlement programs give you a structured path for getting out of debt in a reasonable length of time. You can speak with a debt specialist to determine which of your debts qualify for consolidation.

How Does Debt Consolidation in California Work?

The first step in the process is to gather information about your debts, including your credit card bills, personal loan information, and any other unsecured loans. One of our debt negotiators will review your needs and determine your options. Then, the specialist may negotiate with some or all of your creditors to reduce the amount of money that you owe. In some cases, a creditor will agree to a reduced payment when they know they will obtain the sum quickly. We pay off your debts and combine the amount that you owe into one monthly payment.

Get a Free No-Obligation Quote

At UmbrellaDebt, we know how troubling it can be to worry about debt in your life. The more you struggle with debt, the harder it becomes to pay back your creditors. When you get a consolidation loan, you will be able to get your finances under control quickly, and you can stop worrying about debt. Your creditors receive payment, so they will no longer call you to harass you for payments. A consolidation loan gives you the chance to pay your debt in an orderly manner and start anew. When you are ready to learn more, contact us online for a free, no-obligation, personal, and confidential quote for a debt consolidation loan.