If you’re dealing with a mountain of credit card debt that you can’t seem to shake, you’re not alone. Millions of Americans struggle with such debts. Many of these unfortunate souls live right here in California.
There could be some light at the end of the tunnel. Many families who have taken the plunge and obtained a California debt consolidation quote have learned how to reduce their debts by hundreds or even thousands of dollars.
Before you follow these folks’ leads and obtain your own no-obligation California debt consolidation quote, take a moment to review your predicament. The particulars of your personal debt situation are likely to determine the best course of action for you to take.
These days, it can seem like the Golden State is struggling with a dozen different crises at once. Thanks to slowing in-migration and a devastating housing bust, the state’s economy has been stagnant or recessionary for years. Its unemployment rate only recently fell below 10 percent.
Millions of Californians live below the federal poverty line and must rely on state and federal assistance programs for survival. Others struggle to afford rent in some of the most expensive real estate markets in the country. In places like Orange County, Los Angeles, San Francisco and the South Bay region, homes routinely sell for four or five times the national median.
If you overextended your credit cards or took out ill-advised loans in order to maintain your living standards in the face of this slow-motion disaster, you have plenty of company. California has one of the country’s highest rates of personal debt and delinquency. You shouldn’t blame yourself for an economic situation that’s completely beyond your control.
Fortunately, there’s plenty that you can do to begin digging out of your personal debt hole. For starters, you can obtain a California debt consolidation quote from a top-notch debt relief company that enjoys the full faith and credit of the Better Business Bureau.
It should be noted that the Better Business Bureau doesn’t make endorsements lightly. The nationally-respected organization has a stellar reputation to preserve and a sworn mission to protect consumers from predatory financial companies. If it doesn’t believe in a particular business, it simply withholds its accreditation from the outfit.
In this light, you can be confident that your California debt consolidation quote will come from a trustworthy source that won’t make unrealistic promises or engage in underhanded business practices. You’ll rest easy with the knowledge that your debt relief provider will do its best to represent your interests and negotiate in good faith to reduce your overwhelming burden of debt.
You’ll also be happy to know that it won’t take hours for you to obtain your California debt consolidation quote. Thanks to an expedited process that requires you to provide just a few pieces of information, you’ll receive your quote within minutes and be able to get on with your life. Using a convenient online form and an optional chat interface that can connect you with a debt relief specialist during extended business hours, you’ll be able to complete this process from the comfort of your own home.
Getting your California debt consolidation quote won’t even require you to drop what you’re doing. Since the process takes just a few minutes, many prospective debt relief customers are able to obtain their quotes during commercial breaks or between bites at the dinner table.
It’s also important to note that this process won’t obligate you to enroll in a costly debt relief program. Your quote will be provided for free and without preconditions. If you choose to enroll in a debt consolidation plan, you won’t have to pay any upfront or ongoing “maintenance” fees.
In fact, you’ll be able to stop making payments on your outstanding credit card bills, medical bills and other unsecured debts. Instead, you’ll sock away the money that you would have put towards these obligations.
Meanwhile, your debt consolidation company will work tirelessly to negotiate balance reductions with your existing creditors. In the end, it may be able to reduce your total debt burden by 30 to 50 percent. If you were carrying $15,000 in unsecured debts, your settlement amount might be less than $10,000.
Although the company that provides you with your California debt consolidation quote won’t be able to reduce the balances on your mortgage, car note or other secured debts, your debt consolidation plan will free up much-needed chunks of your income. This extra income could ensure that these often-onerous secured obligations remain affordable.
Remember, you’re under no obligation to act on the advice that you receive from your BBB-accredited California debt consolidation quote provider. While doing so could save you hundreds or even thousands of dollars on your current basket of debts, you have plenty of other debt relief options at your disposal. The choice is yours alone to make.