Where can one find debt consolidation in California?

Banks and Credit Unions:

- Compare offers from multiple financial institutions to find the best interest rate and terms for your consolidation loan.

- Consider institutions with good customer service reputations and experience in debt consolidation.

Online Lenders:

- Explore reputable online lending platforms focused on debt consolidation or personal loans.

- Check if they offer prequalification tools to estimate rates without affecting your credit score.

Credit Counseling Agencies:

- Nonprofit agencies typically offer free or low-cost debt counseling services. They can help negotiate lower interest rates and monthly payments.

P2P (Peer-to-Peer) Lending Platforms:

- These platforms connect individuals seeking loans with those willing to lend.

- Research their trustworthiness, reviews, and interest rates before considering a P2P loan.

Debt Settlement Companies:

- These firms negotiate with your creditors to reduce your overall debt.

- Be aware that debt settlement can impact your credit score. Choose reputable companies that prioritize transparency and customer support.

Consult a Financial Advisor:

- If your financial situation is complex, consider seeking advice from a professional financial advisor.

- They can help you evaluate options and make informed decisions.

Local Consumer Protection Agencies:

- Research your state's consumer protection laws and agencies. They may have resources and guides related to debt consolidation.

Remember, carefully consider your specific needs, credit score, and financial goals when choosing a debt consolidation option in California.