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California debt consolidation: Best solution for unresolved debts

Types of debts OVLG manages

California debt consolidation gives you the option to pay off only the unsecured debts and these are:

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How to consolidate debts in California

Well, you have 3 options in your hand for consolidating bills in California. The first one is California debt consolidation programs. The second one is California debt consolidation loans. And, the third one is debt consolidation california nonprofit. Check out the salient features and a brief comparison between the 3 options below.

  Consolidation program Debt consolidation loan Debt consolidation non-profit
How it works It replaces multiple monthly payments with one It dissolves your present loans and leaves you with only one It works like normal consolidation program
What about fees As per the industry standard - It charges nominal fees
How long you need to pay Between 2-5 years Between 2 and 20 years Between 2 -5 years
What about credit score It won’t hurt your score It will hurt if you can’t pay off loan It won’t hurt
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Are there licensed debt consolidation companies in California?

Yes. There are licensed debt consolidation companies in California. OVLG is one of them. It is registered with the California bar Association. Before enrolling in a program, always check if a company has the license to offer debt consolidation services in California. Check out the official website thoroughly and find out if they have a license number or a certificate. A licensed company will always follow the federal and state laws. There are less chances of getting scammed.

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Where can you get the best debt consolidation loans in California?

You can get loans from various sources in California like banks, financial institutions, credit unions, and peer-to-peer lenders. However, if you want to qualify for the cheapest interest rate, then go for California credit union debt consolidation. This is because state credit unions charge a very low interest rate for personal and consolidation loans. Some credit unions charge interest rate as low as 3.90%.

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Is debt consolidation available in San Diego California?

Debt consolidation San Diego programs are available to its residents both online and offline. OVLG offers San Diego debt consolidation programs online. You can consolidate your multiple bills within a few minutes to make your financial life stable once again. Just give a call at 800-530-OVLG to know how you can go ahead.

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I live in Temecula. How can I consolidate debts here?

Just like in San Diego, debt consolidation programs are available in Temecula California. You can put all your bills in a single monthly payment plan and get rid of debts within 3 and 5 years.

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How state of California debt relief programs affect your credit

Well, state of california debt consolidation programs don’t hurt your credit score as long as you pay off the entire debt. However, if you stop making payments, then the new agreement with your creditor will become null and void. There will be a sharp decline in your credit score.

Once you have completed the debt consolidation california program, ask your creditors to mark your accounts as ‘paid in full.’ This will create a positive impact on your credit report and score.

What we can say about these 3 California debt relief options.

Debt consolidations program in California - Best as it doesn’t bring fresh liabilities.
Debt consolidation loans in California - Bad as you can lose properties.
Non-profit debt consolidation in California - Good if you can select the right company.

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California debt consolidation - Pros and cons


  • It lowers monthly bill amount
  • It lowers interest rates
  • It reduces the number of creditors gradually
  • It simplifies the bill payment process
  • It helps you avoid getting delinquent on debts
  • It helps to reduce the number of collection calls
  • It helps you to do away with late fees and penalties


  • You may pay more if the repayment term is too long
  • You may lose the roof above your head
  • You’ve to stop making impulse purchases

Credit card debt settlement

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How OVLG beats other debt consolidation companies in CA

OVLG ranks amongst the best debt consolidation companies in California. In fact it beats other companies because of the following factors:

debt consolidation california
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Sun Feb, 2019 Review: SM2 saved $1758

Client satisfaction level:

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Tricks to avoid debt consolidation scams in CA

  • Don’t pay any upfront fee
  • Check if creditors have accepted payment plan
  • Go through the reviews posted online
  • Read the fine print of the agreement
  • Check if creditors are receiving payments
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4 Other California debt help programs


California debt negotiation:

This option helps to cut down the principal amount and disburse a lump sum payment to creditors.


California debt management:

This option helps to cut down interest and disburse payments amongst creditors.


California bankruptcy:

This option helps you pay off debts by liquidating your non-exempt assets.


California credit counseling:

This option helps you pay off your unpaid bills through smartly chalked out money management plans.

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California debt consolidation FAQ

You can opt for debt consolidation in both North and South California. OVLG offers services in these places too. So, if you live in these places and are really interested to consolidate debts here, then feel free to contact us. We will try our best to help you.

It is better if you acquire knowledge about California debt collection laws since it will be easier for you to make a decision regarding debt payments. You can prioritize your debts and decide which ones need to be included into the program.

Consolidation is slightly better than settlement as it doesn’t harm your credit score. But settlement will hurt your credit score little but. But settlement is better than consolidation when you want to save on principal amount.

Undoubtedly, the 2 most popular California debt relief programs are debt settlement and debt consolidation owing to the great benefits they offer to consumers. Both the options help you to save money and get out of debt conveniently.
If you want to get debt relief in California, then compare the pros and cons of all the programs minutely. This will help you to choose a program that suits you the best. You can also call 800-530-OVLG to know how to get credit card debt relief in California.

There is no doubt that consolidation is better than bankruptcy since the latter will reduce your chances to qualify for mortgage as it drops your credit score by more than 200 points. Besides, it will make your credit report look dirty. But consolidation.

Once you start paying back creditors, they’ll feel less irritated and give up their plans to sue you. In a debt consolidation program, you’re paying off the debt in full. So, creditors don’t have any grudges against you. Most people think that creditors are desperate to file lawsuits and garnish wages. But this is not true. Lawsuits are expensive. Plus, there are lots of legal hassles. Creditors are least interested in walking on that path when you repay your bills through credit card debt relief programs in California.

Do whatever you can to make creditors mark “paid in full” status on your credit report. This will help to protect your score. But your job doesn’t end there. Even if your creditors update your credit report as ‘paid in full’, then also you need to be careful when it comes to managing finances in the future. Repay your bills on time every month to build a positive payment history. Stay within your credit limit to lower your credit utilization ratio. And, check your credit report periodically to avoid any expensive discrepancies.
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Related information

State Attorney General Phone Number: (916) 445-9555
Public Service Commission Phone Number: (415) 703-2782
FTC Address:
Western Region Federal Trade Commission 901 Market Street, Suite 570 San Francisco, CA 94103
Western Region Federal Trade Commission 10877 Wilshire Blvd., Suite 700 Los Angeles, California 90024
FTC Toll Free:
877-FTC-HELP (382-4357)
FTC Website Url:
CFPB Toll Free:
CFPB E-mail:
CFPB Website Url:

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Ready to consolidate debt in California?
Call us at (800) 530-OVLG to get help

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