DebtWave Credit Counseling

Business Details

25 Years

experience

Your Trusted Partner for Credit Counseling Solutions

At DebtWave Credit Counseling, we have dedicated ourselves to helping individuals overcome credit card debt since 2001. Our team of certified credit counselors provides personalized guidance to clients across San Diego and beyond, focusing on sustainable financial solutions. Through comprehensive budget analysis and tailored debt management strategies, we have facilitated the repayment of over $300 million in consumer debt. Our customer-centric approach emphasizes financial education, empowering clients to avoid future debt cycles. We offer free credit counseling sessions, debt management programs with reduced interest rates, and a suite of financial calculators to enhance financial literacy.

As a 501(c)3 nonprofit organization, we prioritize transparency and ethical practices in all our services. Our Debt Management Program enables clients to achieve financial freedom within three to five years through structured payment plans. We also provide credit coaching, pre-bankruptcy counseling, and educational resources to promote long-term financial wellness. Our commitment to excellence is reflected in our 4.5+ review score and thousands of success stories. By combining expert advice with compassionate support, we strive to be a trusted partner in our clients' journey toward financial stability.

Services

Credit Counseling Debt Management Pre-Bankruptcy Counseling Financial Wellness Program Accelerated Payment Plan Credit Coaching Credit Card Payoff Calculator DMP Payment Estimator Credit Card Debt Quiz Spending Quiz

Details

Year established: 2001

Highlights and features

Certified credit counselors with 20+ years of experience
Helped consumers repay $300M+ in credit card debt
Free credit counseling sessions with budget analysis
Debt Management Program reduces interest rates up to 3%
Nonprofit organization offering educational financial resources

Associations and certifications

501(c)3 nonprofit organization

What people say

Life-changing support Reduced interest rates Excellent customer service Helped become debt-free Improved credit score

Website

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Services

Credit Counseling

Our certified credit counselors provide personalized financial guidance through free counseling sessions. We analyze your budget, identify debt reduction strategies, and create customized repayment plans. Clients receive comprehensive education about financial management to prevent future debt cycles while maintaining their credit standing.

Debt Management Program

This structured program negotiates lower interest rates with creditors to accelerate debt repayment. Participants make single monthly payments toward multiple debts over 3-5 years. The program maintains account current status while reducing total interest costs through creditor partnerships and professional financial oversight.

Credit Coaching

Personalized credit improvement sessions help clients understand and enhance their credit scores. We provide actionable strategies for debt reduction, payment history management, and credit utilization optimization. Our coaching includes ongoing support for developing healthy financial habits and improving overall creditworthiness.

Financial Wellness Program

This educational initiative teaches essential personal finance skills through workshops and resources. Topics include budget creation, emergency fund establishment, and responsible credit usage. The program combines practical tools with behavioral guidance to foster long-term financial stability and prevent recurring debt issues.

Pre-Bankruptcy Counseling

Court-approved counseling helps clients explore alternatives to bankruptcy through comprehensive financial analysis. We provide documentation for mandatory credit counseling certificates while developing alternative debt resolution strategies. The service maintains client confidentiality while meeting legal requirements for bankruptcy proceedings.

Questions

What is credit counseling?

Credit counseling provides personalized financial guidance to help manage debt through budget analysis and repayment strategies.

How does a Debt Management Program work?

Our DMP consolidates payments into one monthly amount with reduced interest rates negotiated with creditors over 3-5 years.

Will credit counseling hurt my credit score?

Properly managed credit counseling can improve your score by reducing debt while maintaining account current status.

Are you affiliated with creditors?

We maintain professional relationships with creditors to negotiate better terms but remain independent financial advisors.

What debt types do you handle?

We specialize in credit card debt but can help with various unsecured debts through our counseling services.

How much does counseling cost?

Our credit counseling sessions are completely free with no hidden fees or obligations.

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Reviews (7)

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Chris Moseley

Nov 20, 2021 Report

I am one of those individuals that was not sure about debt consolidation. I was totally new to it and did not really understand how this whole program works. For starters, trusting someone over the phone to work with your creditors on your behalf is something you have to put a lot of trust in. The first two months is a little rocky. After two months all my creditors have approved the lower interest rate and monthly payments that debt wave has requested. Most creditors approve rather quickly where some might take as long is a month or more. Its just a little bumpy roads for the first two months

Sherard Bing

Oct 29, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Wonderful company with very helpful employees. Whenever I had questions, they responded promptly. I don't think I could've paid down my credit card debt and raise my credit score as quickly as I did without their help. I recommend them to anyone needing help getting out of debt.

Ann Hernandez

Oct 17, 2021 Report

In a world of uncertainty, Debtwave has helped tremendously. Most reconciliation companies do not pay your creditors off. They make deals with each one for cheaper amounts, which does reflect negatively on your credit, but not DebtWave! Some companies may give cheaper interest rates but your debt gets paid in full. By far, the best decision I've made in the last year! Thanks DebtWave!

Val Aeht

Oct 04, 2021 Report

I am so appreciative that DebtWave is helping me get out of debt. I am one of the people that was concerned about allowing a company to help me get out of debt. I AM SO THANKFUL I WENT WITH DEBTWAVE. They have been very kind, understanding, helpful, informative & patient with me. I had alot of debt and needed help. I saw an ad in the mail for DebtWave, prayed about it and called and they have been helping me ever since. I am almost out of debt now (thanks to DebtWave ) and I couldn't be happier. The debt I had would have taken me many, many, many years to pay with very high interest attached

John Caplinger

Jun 24, 2021 Report

I have been with Debtwave for 6 months. I couldnt be happier. I am knocking off credit card debt like crazy. The people I work with are really nice and would recommend this service to anyone.

Jlynngambler

May 19, 2021 Report

Debtwave was recommended to me by a friend, and at first I was skeptical. I didn't expect to have such a big balance on my credit card, but had some necessary medical expenses. I thought I could pay most of it off by the end of the promo no interest period. The pandemic hit, my hours at that job were reduced, and no matter how much extra I paid, it didn't seem to put a dent in the interest. I was getting nowhere fast. After some research, I did call Debtwave. About six months later, I see my balance continuously lowering, and over $1000 has been paid off! The only con I experienced was that when

Etienne Tousignant

Feb 09, 2021 Report

I'm so grateful I found DebtWave. They did a very thorough job of reviewing my finances with me, they were very kind, respectful and helpful. It was a wonderful experience and my overall anxiety about my finances is long gone!!! It's nice dealing with an organization you can trust verse everyone trying to take advantage of you with overpriced consolidation loans or loans with high APRs.