Providing Credit Counseling and Debt Management Programs since 2001
At DebtWave Credit Counseling, Inc., our team of certified credit counselors will focus 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. The main benefit of our program is lower interest rates. In addition to lower interest rate, many clients enjoy the benefits of a lower payment. In 2024, our average client had their total monthly payment reduced by more than $200. Consequently making their credit card payments affordable again.
DebtWave also provides free educational workshops to youth, military, and low-to-moderate income families.
We are licensed and/or registered to help consumers in 46 states plus Washington, D.C.
How can we help you today?
Credit Counseling & Debt Management Services
Our mission is to help our clients eliminate credit card debt and also adopt healthy financial behaviors.
To do this, we offer:
- Free Credit Counseling Sessions. Clients receive a complete budget analysis. We also provide practical solutions to paying off debt.
- Debt Management Program. Take advantage of lower interest rates and lower monthly payments on your credit cards. Become debt free in three to five years.
Credit Card Payoff & Other Finance Calculators
Use our free financial calculators to enhance your financial health. Discover how long it will take to pay off your credit card debt. Find out how much you’re paying in interest fees. And additionally how much you could save!
Start today!
- Credit Card Payoff Calculator. Input your current credit card payment amount. As a result, find out quicker ways to pay off your debt.
- 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. Let us help you successfully navigate your financial journey.
Learn More.
- 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. 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.Trustindex verifies that the original source of the review is Google. I was drowning in credit card debt, along with every day living expenses, it was just to overwhelming. Debtwave became my road to freedom from debt, and gave me the learning tools to help me stay on that road. Thank You Debtwave.Trustindex verifies that the original source of the review is Google. I found DebtWave while I was researching ways to manage my debt. For years, I felt like I had been overwhelmed by it and I finally wanted to be rid of it once and for all. I’m so glad I found DebtWave before pulling the trigger on signing up with a debt consolidation company. DebtWave does things differently. They won’t tank your credit score or try to get you out of paying off existing debt. They will work with creditors to lower your interest rates and will even send the payments for you every month. With the program I enrolled in, my debt should be completely paid off in only a few years, versus almost 20 on my own. I continue to monitor my accounts and it’s so encouraging to see my balances actually lowering every month instead of accruing massive amounts of interest. If you’re overwhelmed with your payments, I highly recommended reaching out to them. They have excellent customer service and will help get that weight off your chest!Trustindex verifies that the original source of the review is Google. I was drowning in high interest credit card debt, student loan, and daily living expenses. Stressed working paycheck to paycheck, until I was referred to this wonderful debt counseling service whom thoroughly assisted in changing my financial life. Now, I am saving I have low APRs and a higher credit score. This has been a magnificent experience. I highly recommend this company to anyone that wants to consolidate their debt and have peace of mind the mental clarity of knowing where your money is going. You will not regret a moment of the decision. The customer service is a 10/10 for me they're helpful, informative, so patient, respectful, considerate and knowledgeable. Thank you DebtWave Credit Counseling!Trustindex verifies that the original source of the review is Google. Referred by outstanding agency. Very thorough in explaining and understanding your needs and concern. Very Outstanding AgencyTrustindex verifies that the original source of the review is Google. What a wonderful solution to get out of debt without permanently damaging credit. If you're struggling with bills and on the fence about this, just do it! This program STOPS THE BLEED and helps you recover financially! The workers are professional and friendly. They explained everything and helped me pay debt off the smart way. I'd highly recommend DebtWave.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
Start Attacking Your Credit Card Debt!
Jumpstart Your Debt-Free Journey and Eliminate Stress
What does financially secure mean?
Paying your bills on time
Paying bills on time helps avoid penalties. This consequently improves your credit score.
Building your savings
Adding money to your savings regularly for peace of mind. Therefore you have money available for an emergency.
Planning for your future
Know how much you need to save. Forecast expenses and be ready for any surprises.
