Providing Credit Counseling and Debt Management Programs since 2001
At DebtWave Credit Counseling, Inc., our team of certified credit counselors focuses on helping you get out of credit card debt. We strive to teach you how to properly manage your finances. With the hopes of reducing the likelihood you fall into debt again.
Located in San Diego, our customer-service oriented team has helped consumers pay back more than $300 million in credit card debt through our Debt Management Program.
How can we help you today?
Use Our Credit Card Payoff Calculator
Find out your pay off date and much more!
Debt Payoff Calculator
Credit Card Debt Payoff Calculator
Credit Counseling & Debt Management Services
Our mission is to help our clients eliminate credit card debt and also adopt healthy financial behaviors. Ultimately achieving financial freedom.
- To do this we offer free Credit Counseling Sessions. Clients receive a complete budget analysis. Additionally, we provide practical solutions to paying off debt.
- Debt Management Program. Take advantage of lower interest rates and lower monthly payments. Consequently, becoming debt free in three to five years.
Credit Card Payoff & Other Finance Calculators
Use our free financial calculators to enhance your financial health.
- Credit Card Payoff Calculator. Input your current credit card payment amount. As a result, find out your pay off date.
- Debt to Income Ratio Calculator. Find out your DTI. Also understand what most lenders use for their guidelines.
- Net Worth Calculator. Find out the most important number in determining your financial health. And ways to increase your net worth.
Financial Education, Seminars & Events
We offer a variety of free resources to help you improve your financial literacy. Not only can you improve your financial education, but also become debt free.
- Credit Coaching. Meet with our Credit Score Coach for personalized tips to improve your credit score.
- Free Financial Education Workbook. Learn best-practice personal finance habits with our FREE financial literacy workbook.
- Because Financial Education can lead to wealth.
What DebtWave customers have to say!
Trustindex verifies that the original source of the review is Google. Very helpful! They worked hard to negotiate with lenders to save money in interest and get accounts currentTrustindex verifies that the original source of the review is Google. These people are truly outstanding. I’ve worked closely with Holly Love-Meyers who has always gone out of her way to listen, understand my situation, and do her best to negotiate on my behalf. These people run a legit operation and deserve praise for what they do. With DebtWave I have managed to wipe out some $1500 of excess interest payments which now go to paying off debt, and my credit score has actually improved by 50 points since starting a DMP with them. The only recommendation I have for improvement is to provide more realistic comparisons of payment amounts with and without the DMP. It seems a bit exaggerated with a 99 year payback period. Other than this minor detail, zero complaints!Trustindex verifies that the original source of the review is Google. If you're struggling with debt this is the place to go to for help. They did a complete review of my finances and designed a plan for paying off credit cards with sky-high interest rates. I'm saving a huge amount of money with the plan. The people I worked with held my hand through the entire process, clarifying and reassuring me whenever I was overwhelmed. Highly recommend.Trustindex verifies that the original source of the review is Google. Debt wave has been an amazing help to me. This is actually the second time I have used them. Communication is spot on, the emails and tools they offer are helpful, and my credit doesn't drop at all, sometimes life gets you by the seat of your pants, they are here to help with great support.Trustindex verifies that the original source of the review is Google. Excellent highly professional company. Preserve much of your credit score by choosing this company to consolidate your debt.Trustindex verifies that the original source of the review is Google. Crystal at Debtwave is doing amazing job helping us and she continues follow up & contacting us to review our bill statements that we receive each month and she is a bridge between us and creditors! At the end we are very happy with Debtwave team!Trustindex verifies that the original source of the review is Google. Overall a pretty solid company once you get in. However, they are not fully accepted by everyone and they do not gather all the proper balances before you giving you a quote. But once you are in, they do cut interest rates and help you pay off faster. I would recommend it to others.Trustindex verifies that the original source of the review is Google. Very responsive and respectful.Trustindex verifies that the original source of the review is Google. DebtWave was so helpful and trustworthy the first time we used their services that we have used them a second time, and have recommended them to other people.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
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Undoubtedly, the best program to pay off your debt. Especially Credit Card Debt.
