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If the cost of living in California has made it harder to keep up with credit card bills and other unsecured debts, you are not alone. California cardholders carry an average credit card debt of about $9,400, far above the U.S. average of $7,886, according to LendingTree's 2026 Credit Card Debt Statistics. There is a way out, and it starts with a clear, no-pressure look at your options. Accredited Debt Relief works with you to combine multiple unsecured debts into one lower monthly payment through a personalized debt relief program — and we can even evaluate Californians for consolidation loan options, too.
California cardholders carry average credit card debts of about $9,396 — well above the U.S. average of $7,886 — according to an anonymized survey of over 400,000 credit reports by LendingTree.
As of early 2026, Americans carry over one trillion dollars in credit card debt balances, says the Federal Reserve of New York Household Debt and Credit Report in Q1 2026.
In California, 41.2 percent of households spent 30 percent or more of income on housing according to 2024 data from the U.S. Census Bureau.
Across California — from the high housing costs of Los Angeles and the Bay Area down through San Diego — many households are running a thinner monthly buffer than they used to. When credit card balances grow alongside everyday essentials, minimum payments start to feel less and less manageable. A debt relief program can replace that stack of monthly bills with a single, lower payment built around what you can actually afford.
Our debt relief program is built to simplify what you owe and bring your monthly payment down — without requiring perfect credit or a large upfront payment.
1. Free Consultation — Speak with a specialist by phone or fill out a short online form. It is free, has no credit impact and comes with zero obligation to enroll.
2. Match With a Personalized Program — We review your unsecured debts, monthly budget and goals to identify the right option for you. Our debt relief program is built for people carrying $5,000 or more in unsecured debt, and we can also evaluate clients for consolidation loan options.
3. One Monthly Payment, Lower Than Before — A single program payment takes the place of multiple monthly bills. Most enrolled clients reduce their eligible monthly payments by 40% or more.
4. Become Debt-Free in Typically 24–48 Months — Our fees are success-based and only charged after a solution is delivered — you'll never pay before you see savings, and there are no hidden upfront costs.
Accredited Debt Relief works with people across California — including in Los Angeles, San Diego, San Jose, San Francisco, Fresno and Sacramento. The debt relief program is a strong fit if you:
Accredited Debt Relief does not handle secured debts such as mortgages or auto loans, federal student loans or business debts — if you have questions about what counts, a free consultation is the fastest way to get a clear answer.
| Debt Relief | Debt Consolidation Loan | Bankruptcy (Ch. 7) | |
|---|---|---|---|
| Reduces Monthly Payment | Yes, often by 40% or more | Sometimes | Yes |
| Eliminates Debt | Resolves enrolled unsecured debts | No — replaces with one loan | Yes, for eligible filers |
| Court Involvement | None | None | Required — federal court filing |
| Timeline | Typically 24–48 months | 2–7 years | 3–6 months for Ch. 7 discharge |
| Upfront Fees | None — success-based fees | Origination fees may apply | Filing and attorney fees |
| Best For | Steady income, expensive minimum payments | Strong credit, want one loan | No realistic ability to repay |
Accredited Debt Relief specializes in debt relief and can also evaluate clients for consolidation loan options. We do not offer bankruptcy services, but a free consultation can help you understand whether our program is a better fit than filing.
These are the questions California residents ask most often — answered directly and without jargon.
How does debt consolidation work in California?
Debt consolidation in California combines multiple unsecured debts — like credit cards, medical bills and personal loans — into one monthly payment that is typically lower than what you were paying across several bills. Accredited Debt Relief offers a personalized debt relief program for California residents with $5,000 or more in unsecured debt, and we can also evaluate clients for consolidation loan options. Most enrolled clients reduce their eligible monthly payments by 40% or more, with the program lasting typically 24–48 months.
How much does a debt relief program cost?
Accredited Debt Relief charges success-based fees — you'll never pay before you see savings, and there are no hidden upfront costs. The free consultation itself costs nothing and comes with no obligation to enroll. During that call, a specialist will walk you through what your estimated monthly payment and total program length could look like before you decide anything.
What types of debt can a debt relief program help with?
Our debt relief program is designed for unsecured debts, which is the kind of debt most California households are working to pay down. That typically includes credit card balances, medical bills, personal loans and some private student loans. The program does not cover secured debts like mortgages or auto loans, federal student loans or business debts.
How long does a debt relief program take?
Most clients become debt-free in typically 24–48 months, though the exact timeline depends on how much you owe and how quickly you can make your program payments. Our specialists can give you a personalized estimate during the free consultation. The goal is to move you out of debt much faster than making minimum payments would.
Will I really save money with a debt relief program?
Most enrolled clients reduce their eligible monthly payments by 40% or more, which is what makes a single program payment easier to manage than several minimums spread across cards and loans. Because our fees are success-based, you'll never pay before you see savings. The free consultation will show you an estimated monthly payment so you can see the math before committing.
Is Accredited Debt Relief legit?
Accredited Debt Relief is a debt relief company founded in 2011 that has worked with more than 1.3 million clients nationwide. Accredited Debt Relief offers free debt evaluations in all 50 states and connects eligible clients to debt relief services and consolidation loan options. Accredited Debt Relief has been named "Best Debt Relief Company" by 12 trusted publications — including Investopedia, CBS News, and CNBC.
You have the facts — now it's about making a move you'll feel good about. A free consultation with an Accredited Debt Relief specialist won't impact your credit, comes with zero commitment and gives you a free estimate built around your actual numbers. You'll walk away with a personalized debt relief program, an estimated monthly payment and the clarity to choose your next step. There's no pressure to enroll — just a clear look at what's possible.
Get A Free Debt AnalysisOr call 800-497-1965 · accrediteddebtrelief.com/state/california-debt-relief/
No upfront fees · 100% success-based · Free consultation.
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Sources:Year after year, respected consumer organizations and businesses have recognized Accredited Debt Relief for its core strengths: customer service excellence, value and overall process.
Accredited Debt Relief is recognized for:
Winner of the 2025 Excellence in Customer Service Award
Business Intelligence Group
Winner of Customer Service Department of the Year Award
American Business Awards
Winner of the 2025 Financial Wellness Champion Award
Banking Tech Awards USA
Winner of Customer Service, Overall Process and Best Value Awards
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