California Debt Relief

California’s cost of living is among the highest in the country, and many families feel the strain. From Los Angeles and Orange County to the Bay Area and the Central Valley, rising rent, expensive groceries, and high medical costs push credit card balances higher every year. Whether you're dealing with missed payments, rising interest charges, or financial stress, ClearOne Advantage helps Californians take back control with personalized debt relief programs tailored to your income and goals.

Key Highlights

• $3 Billion+ in Debt Resolved
• A+ BBB Accredited
• Average 45% Savings Before Fees Certified Debt Specialists

How Debt Relief Works in California

Our Certified Debt Specialists work directly with your creditors to reduce what you owe and consolidate your obligations into one manageable monthly plan payment. Most California clients complete their program in 24 to 48 months.

Four Simple Steps

1. Free Consultation: Review your financial situation with a Certified Debt Specialist.
2. Personalized Plan: Get one affordable monthly plan payment tailored to your budget.
3. Resolve your Debts: We work with your creditors to lower balances and help you reach relief faster.
4. Graduate & move forward: Once your enrolled debt is resolved, you can move on and focus on what truly matters.

Debt Relief Options for California Residents

Debt Settlement

With some of the highest living costs in the country, many Californians in cities like Los Angeles, San Diego, and San Jose turn to debt settlement when minimum payments are no longer sustainable. ClearOne Advantage negotiates directly with your creditors to help you resolve unsecured debts for less than you owe.

Debt Consolidation

Debt consolidation allows Californians to combine multiple high-interest debts into a single predictable monthly plan payment. This option works well for individuals with steady income who want a structured approach to repayment.

Debt Management Plan (DMP)

Using a debt management plan gives you an organized way to handle multiple credit-card bills and may qualify you for reduced interest rates. As a result, you can work toward paying off your debt sooner without borrowing additional money.

Bankruptcy Alternatives

If debt relief programs are not the right solution, bankruptcy may be an option. We can connect you with trusted professionals who understand California’s Chapter 7 and Chapter 13 filing process.

California Debt Statistics and Financial Snapshot

• Average consumer debt: $151,7491 [1]
• Average credit card balance: $6,2222 [2]
• Average student loan debt: $38,3003 [3]
• Median household income: $50,251 (one-person household) [4]
• Average credit score: 7225 [5]

California’s high housing expenses, increasing utility costs, and rising medical bills create financial challenges for residents across the state. Many households rely on structured debt relief programs to regain stability and reduce financial stress.

California Consumer Protections and Debt Laws California

Rosenthal Fair Debt Collection Practices Act (RFDCPA)

California’s Rosenthal Act expands on federal debt-collection protections and prohibits harassment, threats, or false representations by debt collectors. It applies to both third-party collectors and original creditors.[6]

California Consumer Credit Reporting Agencies Act (CCCRAA)

This law provides added protections for consumers regarding how credit information is collected, maintained, and reported. [7] Statute of Limitations on Debt in California California generally provides a four-year statute of limitations for most consumer debts, including credit cards and medical bills. Once this period expires, creditors cannot sue to collect, though they may still attempt contact.

State and Community Assistance Resources

• California Department of Financial Protection and Innovation (DFPI): Consumer rights, licensed collectors, and fraud reporting. [8]
• CalHope: Emotional, financial, and crisis support for California residents. [9]
• Housing Is Key: Rent relief, mortgage assistance, and foreclosure-prevention services. [10]
• Legal Aid Association of California (LAAC): Free or low-cost legal resources statewide. [11]

Why Choose ClearOne Advantage

• Proven Results: More than $3 billion in debt resolved
• A+ BBB Rating: Trusted by clients across the country
• Accredited by the Association for Consumer Debt Relief (ACDR)
• No Upfront Fees: ClearOne Advantage only earns its fees after you approve your first settlement and your first payment is made to the creditor. 

Read more about why you should work with ClearOne Advantage.

Reviews from Californians

“I’ve held off writing a review for five months now because I wanted to see how things would progress and I am happy to say that it is progressing well. Two of my creditors have already been paid off. I think I have a total of eight. My initial consult was with Amber and she went through everything very thoroughly and made sure that I understood what I was doing. I know it’s risky doing business online with debt relief companies but this one I believe you can trust."

-Jim, San Jose, CA

“I found myself in a very difficult situation. My wife stopped working and I was the sole earner for my family. I wasn’t making ends meet so I began a vicious cycle of taking out personal loans and high interest credit cards. I quickly realized that I was drowning in debt. I didn’t feel like I had many options so I considered bankruptcy. As a last ditch effort, I heard about debt settlement programs and reached out to Clear One Advantage because they popped up on my Google search. Sean is the first person I spoke with and he greeted me with kindness and understanding. He was incredibly knowledgeable and after speaking with him, I felt as though I had a break through therapy session. He walked me through the process and I felt a giant weight come off my shoulders. It was the first time in years that I actually felt in control of my future. I can’t thank Sean enough for helping me see that there are options. I highly recommend this program if you are in a difficult financial situation.”

-Alex, San Diego, CA

Read more reviews from our customers. Results may vary.

Get a Free California Debt Relief Consultation

Take control of your financial future today. Speak with a Certified Debt Specialist to explore your options. There is no obligation, no upfront fees, and no impact to your credit when you inquire.

Footnotes:

[1] https://www.experian.com/blogs/ask-experian/research/consumer-debt-study/
[2] https://www.cnbc.com/select/average-credit-card-balance-by-state/
[3] https://educationdata.org/student-loan-debt-by-state
[4] https://worldpopulationreview.com/state-rankings/median-household-income-by-state
[5] https://www.experian.com/blogs/ask-experian/what-is-the-average-credit-score-in-the-u-s/
[6] https://law.justia.com/codes/california/2009/civ/1788-1788.3.html
[7] https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6/
[8] https://dfpi.ca.gov/
[9] https://www.calhope.org/
[10] https://housing.ca.gov/
[11] https://www.laaconline.org/