California Debt Relief Company

If you’re facing any debt that’s overwhelming—merchant, credit card, utility bills—or if you’re struggling with your finances, don’t think you have to deal with this by yourself.

repaired piggy bank- debt relief help

Our debt negotiation experts have settled over $1 billion of debt and know what it takes to set you on your path to financial freedom. We’ve developed many personalized debt relief solutions that are proven to work, and we will tailor them to your specific level of debt, needs, and ability to pay. By giving us a ring at Optimal Debt Solutions, you can regain control over your finances and life in no time.

It can be stressful to live with debt in California. It’s hard enough to make ends meet, but when prices go up, debt goes up, and phone calls begin. Any harassment by debt collectors and creditors certainly isn’t making your life any easier.

We’ll help you lower your debt obligation and reduce the calls you receive via our strategic partnerships. We believe that all of our clients deserve to be treated respectfully, especially if they’re doing everything to pay back their debt and restore their financial freedom.

We start with our free, no-obligation discussion and evaluation of your debt situation. All of our debt specialists are certified, and we will review your situation and go over your options with you for your debt reduction, elimination, or consolidation.

Call Optimal Debt Solutions at (213) 463-7313 for your Free Evaluation with a California Debt Relief specialist!

Dramatically Reduce Your Debt

Just because you’re in debt doesn’t mean that you’re not adulting or being responsible. There are many reasons that a person may go into debt and suddenly have a large stack of bills that they need to pay.

Medical issues are often at the top of the list. Add to that job loss, mental health issues, personal loss, poor investment performance, or simply bad advice that has left you suffering financial hardship. Suddenly, you can’t meet your payments on time.

Typical credit card debt in California is far higher than the national average. At present, it’s ranked 21st in the nation for the highest debt. We work to find a debt settlement program to assist you in getting out from under your debt so that you can breathe.

We assist you in negotiating and lowering your overall amount of debt. This includes:

1. Collections
2. Credit Card
3. Department Store Cards
4. Medical Bills
5. Payday Loans
6. Repossessions
7. Unsecured Loans

When you’re faced with a debt collections notice, you want someone who is experienced on your side. Optimal Debt Solutions will help you review your situation at no cost to you. We’ll look over your debt and your income and help you to determine what you can pay. We’ll look at your options and help you to negotiate a manageable debt plan.

We’ll help you to reduce your debt by as much as 60 percent or more using our specialized strategic negotiations in debt to help you find the perfect debt settlement option for your needs.

Debt Settlement Vs. Debt Consolidation

Not all California debt relief programs and debt management businesses are the same. There are a lot of different options for managing debt. We use our expertise and research to find the best possible solution for reducing your debt via debt settlement.

In California, credit counseling and debt consolidation significantly reduce your debt payments versus a regular repayment plan for your debts. We consider various sources of debts and combine your payments into one easy-to-pay monthly payment to help you lower your interest rate and work toward improved credit and a repayment plan. However, it’s important to know that debt consolidation loans will leave you with a new loan, and they’re not going to negotiate any improved terms; they’ll just make it into one payment.

Credit counselors work together to educate you on finances and help you as a resident of California to better understand how to budget your money and pay off your debt while meeting all of your debt obligations.

Of course, debt settlement will help reduce the amount you owe by as much as 50 percent; this will also help reduce the number of payments you pay and the amount of time it takes you to pay your debt off. You can also compare your other options for debt relief. You’ll be able to save money and get out of debt more quickly when you work together with a debt counselor. The sooner your creditors are paid off, the sooner you can return to living your life without stress.

Effective Debt Relief Negotiation

When you’re seeking a California debt relief program, we can help you. We help you reduce your unsecured debt by contacting your creditors directly and negotiating a settlement on your debts for lower amounts than what you owe. We have a team of dedicated debt negotiation specialists that are experts in helping to reduce debt.

We’ve assisted over 180,000 clients in improving their finances, and we are looking forward to helping you to be a success story. We know that everyone’s financial situation is unique. For this reason, we personalize a program just for you.

All of our fees are included in the program deposits that you make so that even though you’ve negotiated your debt to a reduced amount, you are paying us as well. We can assist you in reducing your monthly payments and the total amount of your debts. We’re dedicated to giving you 5-star service, and we deliver solutions that will fit your budget and lifestyle.