DebtWave Credit Counseling, Inc. is a nonprofit, accredited, consumer credit counseling service

At DebtWave Credit Counseling, Inc., our team of certified credit counselors focus not only on helping you get out of debt, we teach you how to properly manage your finances, reducing the likelihood you fall into debt again.

Located in San Diego, our customer-service oriented team has helped more than 1 million people in 46 states, plus Washington, D.C., pay off more than $7 million worth of credit card debt since 2001.

In addition to our debt management program, our community outreach team, D.B.A. the San Diego Financial Literacy Center, provides free educational workshops to youth, military, and low-to-moderate income families.

How can we help you today?

Credit Counseling & Debt Management Services

Our mission is to help our clients eliminate credit card debt and adopt healthy financial behaviors.

To do this, we offer:
  • Free Credit Counseling Sessions: Enjoy a complimentary budgeting consultation and budget analysis. 
  • Debt Management Program: Enjoy lower interest rates and lower monthly payments on your credit cards to help you become debt free in three to five years.
Get Help Online

Loan Payoff & Debt to Income Ratio Calculators

Use our free financial calculators to discover how long it will take to pay off your credit card debt, how much you’re paying in interest fees, and how much you could save!

Start today!
Speak to a Counselor Today

Financial Education, Seminars & Events

We offer a variety of free resources to help you improve your financial literacy and successfully navigate your financial journey.

Learn More.
  • Credit Coaching: Meet with our Credit Score Coach for personalized tips to improve your credit score.
  • Financial Education Workbook: Learn best-practice personal finance habits with our FREE financial literacy workbook.
Get Educated

Get out of debt with our help!

We provide you with options for getting your finances in order so you can stay on track and achieve your life goals.

Request A Financial Counselor Now

What does financially secure mean?

Paying your bills on time

When you can pay expenses on time you can avoid penalties and minimize interest charges.

Building your savings

Adding money to your savings regularly so you have money available for rainy days and retirement.

Planning for your future

Knowing how much you need to save, forecasting expenses and being ready for suprises.

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What past DebtWave customers have to say!

DebtWave Credit Counseling, Inc.
4.9
Based on 95 reviews
powered by Facebook
Bard Connally
Bard Connally
2020-07-24T20:54:41+0000
Israel presented a thorough description of DebtWaves... non-profit company. Now, let’s put this into action. Fees are quite reasonable considering the money projected to save over the next three years!read more
Sharon Lee Benson
Sharon Lee Benson
2020-07-17T18:35:07+0000
I worked with Rey and he was amazing! He made the entire... process so easy and I felt like he really listened to what I wanted and made it happen. I'm super happy.read more
Ruth Washington
Ruth Washington
2020-07-16T15:19:02+0000
the way they explain it,so that you can... understand,simplifying itread more
Yessica Diaz Johnson
Yessica Diaz Johnson
2020-07-15T01:55:49+0000
They understood everything I was trying to accomplish. I... feel like I was given a fresh new start. Thank youread more
Christine Melzar Malmquist
Christine Melzar Malmquist
2020-07-13T21:02:11+0000
I called credit counseling to try and get My credit back to... great. Israel was so patient with me and explained everything so I understood. I feel like a huge weight has been lifted and look forward to working with DebtWave. I would recommend them to any of my family or friends that are looking to get rid of all those bills that got away!!read more
Cynthia Bongiovanni
Cynthia Bongiovanni
2020-07-07T23:20:15+0000
I worked with Jayme, who went above and beyond to assist... me. Dealing with debt is very stressful and shameful, but Jayme made the process seamless and painless. I look forward to working with the DebtWave Counseling services to get out of debt once and for all. Thank you for your professionalism and support!read more
Jessica Beneventano-Capozza
Jessica Beneventano-Capozza
2020-06-25T00:57:11+0000
So super helpful !! Never made me feel guilty ! Ricardo was... the best ! Thanks for your help!read more
Amanda Wagar
Amanda Wagar
2020-06-20T15:01:44+0000
Israel was super helpful, friendly, and informative. He... talked through different options with me so I felt I was making the right, informed decision. I took my time to make the right decision for our family, and feel confident that we'll be much happier and stress and debt-free in the long-run.🙂read more
Terri Williamson Allen
Terri Williamson Allen
2020-06-03T19:16:28+0000
Jayme was above and beyond professional. She showed me... every different option possible and gave great advice for my particular situation. Im very excited to move forward with this new money saver. Thanks so much Jayme!!!read more
Ward Lemmon
Ward Lemmon
2020-06-01T16:52:57+0000
Through. Answered all questions. Extremely patient.... Friendly.read more
Ward Lemmon
Ward Lemmon
2020-06-01T16:52:57+0000
Through. Answered all questions. Extremely patient.... Friendly.read more
Lurdes Peralta
Lurdes Peralta
2020-05-18T15:45:40+0000
My counselor Ray is amazing .you got a winner with... him,curtious,patient,very easy to get along with.he defiantly gets the job done...I love him..thank you so muchread more
Chrissy Anderson
Chrissy Anderson
2020-05-16T02:43:29+0000
DebtWave was the best company that I contacted. Pat Gombes... was great and friendly to work with. Here's to becoming debt free. I would highly recommend this company.read more
Ray Barker
Ray Barker
2020-05-05T13:13:50+0000
DebtWave were very understanding about our financial... situation. I had used them 10 years ago and because they did such a great job prior, I knew I could trust them again.read more
Bill Grose
Bill Grose
2020-04-30T19:04:58+0000
Excellent and friendly service. Will save us a lot in the... long run on interest alone. Thank you Patread more
Veronica L Dougherty-Sochia
Veronica L Dougherty-Sochia
2020-04-21T20:51:01+0000
seem well thought out, organized,knowledgeable, well... prepared on what needs to be done and the steps and timeline it takes to make it haapen. i look forward to working with them. 🙂read more
Nancy Parker
Nancy Parker
2020-04-17T14:52:41+0000
Excellent service and saving me a lot. I definitely... recommend DebtWave Credit Counseling.read more
LeJune Cantrell
LeJune Cantrell
2020-04-13T19:49:54+0000
Very attentive and helpful with guidance as to what can be... done to assist one with their current credit situation.read more
Jennifer Medina
Jennifer Medina
2020-03-30T21:00:48+0000
Suzanne A. has been extremely helpful and so kind. She had... a sincere understanding of my needs and explained how the services can help me reach my goals! I cannot thank Suzanne and her team enough. Everyone has been fantastic!!!read more
Maximo A. Aquino
Maximo A. Aquino
2020-03-26T20:35:13+0000
Great customer service and very professional. They provide... you all the solutions.read more
Diane Sumrall
Diane Sumrall
2020-03-25T15:40:05+0000
Worked with Crystal and she was very helpful I understood... completely before signing up.read more
Kari Cox
Kari Cox
2020-03-16T23:59:28+0000
Very understanding and informative and extremely helpful. I... highly recommend themread more
Lisa Ishaw Annylus
Lisa Ishaw Annylus
2020-03-03T18:04:11+0000
Yes this seems like it will help me alot.
Kip Jones
Kip Jones
2020-02-26T16:45:19+0000
My credit score will not be damaged. Just an all round... better program than debt settlementread more
Wanda Cotton
Wanda Cotton
2020-02-06T22:10:08+0000
Very professional and helpful especially Monica walked me... through the processread more
James Warner
James Warner
2020-02-06T00:18:36+0000
the one on one consul and making sure you understand what... it is you are doing and walking you through it step by step my new payment is half if not more than what I was paying for the minimumread more
Buffy Jones
Buffy Jones
2020-02-04T22:38:37+0000
Monica was very easy to work with and treated me with... kindness knowing what people have to go through for debt consolidation. She made me feel comfortable with a hard decision to make. I recommend Debt Wave, I heard by mouth how great it works and it makes your credit score go up as you go. Thank you, Monicaread more
Gail Holty Modjeski
Gail Holty Modjeski
2020-01-09T12:14:56+0000
Very friendly and helpful
David L Janvrin Jr
David L Janvrin Jr
2019-12-16T16:39:13+0000
You Cannot manage what you dont know. DebtWave takes your... budget to anther Level!read more
Laura Rose
Laura Rose
2019-12-11T09:45:09+0000
Monica was great at making the process as smooth and... painless as possible! I am grateful to Debtwave for helping me get out of a terrible situation and putting me on the track to financial freedom.read more
Jennifer Olson
Jennifer Olson
2019-11-15T16:30:36+0000
Easy to work with and nice employees
Raquel Mata
Raquel Mata
2019-11-01T21:52:24+0000
Very helpful and so easy to understand
Giang Huynh
Giang Huynh
2019-10-22T00:30:35+0000
Very helpful and friendly
Christine Enz
Christine Enz
2019-10-17T02:12:21+0000
Very informative,friendly,and walked me through the whole... thing.read more
Ken Horton
Ken Horton
2019-10-16T22:01:45+0000
Thanks, Monica, you walked me through the process, and feel... relieved. Thanks 😊 again... Kenread more
Ron Rothberg
Ron Rothberg
2019-10-11T19:18:20+0000
Courtesy fast accessible service
Joy Fortenberry
Joy Fortenberry
2019-09-27T01:59:55+0000
Very informative,friendly,and walked me through the whole... thing.read more
Hayley Atkinson
Hayley Atkinson
2019-09-21T01:03:35+0000
They are the nicest people! They asked me questions about... my debt, my life, my goals, all without judgment. They talked to me about my options, and walked me through the paperwork and details to make sure I understood everything. I feel very taken care of by DebtWave, and the relief I feel to finally see a light at the end of the tunnel is incredible!read more
Estela Galindo
Estela Galindo
2019-09-18T01:06:08+0000
I am very happy with Israel’s expertise in financial... counseling!! Israel took the time to explain every detail to me. I am very happy that I took the initiative to give DebtWave a call. Israel has magnificent customer service that goes beyond excellence!read more
Kevin Banks
Kevin Banks
2019-09-04T04:51:09+0000
Professional staff, great service, seamless process! Much... thanks to Israel!read more
Daniel Tobiasz
Daniel Tobiasz
2019-08-16T02:07:56+0000
My initial call was handled by Riccardo who was very... knowledgeable and experienced in answering all of my questions efficiently. He made me feel at ease in making what I hope will be one of the best decisions I have made in a long time. Only time will tell. I’m apprehensive and look forward to what the next few months will bring.read more
Cid Godfrey
Cid Godfrey
2019-08-06T23:05:04+0000
Israel was very helpful in explaining the process to me.... very professional and patient. looking forward to being debt freeread more
Destiney Michele
Destiney Michele
2019-07-25T21:16:23+0000
the debtwave consultant I had his name was Israel and he... was absolutely amazing! he was very friendly and answered all your questions thoroughly I highly recommend debt wave and excited to be debt free!read more
Simin Cici Sardar
Simin Cici Sardar
2019-07-22T21:46:44+0000
My counselor, Denisse Gutierrez was very kind and... helpful. She answered all of my questions in a timely manner and made sure that I had the best setup that would suit my needs. I am very grateful for the help and opportunity that DebtWave is offering!read more
Alyx Hesser
Alyx Hesser
2019-07-17T21:48:06+0000
My counselor, Pat, was very kind and helpful. She answered... all of my questions in a timely manner and made sure that I had the best setup that would suit my needs. I am very grateful for the help and opportunity that DebtWave is offering!read more
Robert Carlson
Robert Carlson
2019-06-14T16:53:59+0000
Great experience from start to finish. Counselors are very... helpful and explain everything throughlyread more
Larry Wilkins Jr.
Larry Wilkins Jr.
2019-06-14T12:52:59+0000
FAST AND EASY , Spoke with a great rep on the phone
Donna Stewart
Donna Stewart
2019-06-13T11:36:14+0000
Very good experience, Pat Gombes was extremely helpful and... pleasant. I would recommend her to anyone.read more
Mandy Storm Anderson
Mandy Storm Anderson
2019-06-02T00:50:21+0000
Everyone is so nice and helpful, making these trying times... a little easier to face.read more
Sue Locke Gross
Sue Locke Gross
2019-05-14T16:26:33+0000
couselor was fantastic she made me feel so comfortable.... would highly recommend her name was Jenniferread more
Betty Kolinsky
Betty Kolinsky
2019-04-23T21:58:11+0000
Thorough and no-nonsense. Selling a good product that can... help our current situation. Thank you DebtWave!read more
Cora Bauries
Cora Bauries
2019-04-17T20:31:43+0000
My councilor, Monica is very polite and she guided me thru... the whole process of the application. I’m very please.read more
Angela Craig
Angela Craig
2019-04-17T16:51:43+0000
My councilor, Jennifer, was amazing. She was patient,... friendly, and understanding. I would recommend DebtWave to my friends and family based on her customer service alone.read more
Barb Vernot
Barb Vernot
2019-04-10T21:41:08+0000
They were very polite and helpful and I'm glad I am using... them to help me out of this situation.read more
JJ Peake
JJ Peake
2019-03-28T00:31:58+0000
Monica did a great job providing me information to help me... get my credit debt under control.read more
Roxana Romero
Roxana Romero
2019-03-04T21:22:59+0000
Amazing program. They stood by their promises and delivered... what was expected, lower interest rates and a payment plan that allows me to see when i will be out of debt! So worth it! And sooo happy i got to work with themread more
Ronnie Wrenn
Ronnie Wrenn
2019-02-13T23:37:21+0000
I TRIED TALKING TO CREDIT CARD COMPANIES PRIOR TO DEALING... WITH DEBTWAVE. I HAD LITTLE HELP FROM THEM. DEBTWAVE IS MAKING PROGRESS THAT I WOULD NOT HAVE ON MY OWN.read more
Linda McKeller
Linda McKeller
2019-01-25T20:53:57+0000
Easy Manageable programs. Great customer service!
June Elizabeth Grimmette
June Elizabeth Grimmette
2019-01-19T03:27:24+0000
They have relieved one of my most overwhelming and... stressful issues in my life. I can see light at the end of the tunnel for the first time in years.read more
Arya Raul
Arya Raul
2018-12-26T22:50:18+0000
Excellent customer service and understand the needs as... required to consolidating and budget. I would recommend themread more
Mary Elizabeth Balliet
Mary Elizabeth Balliet
2018-12-24T06:27:03+0000
We had a family Crisis about 2 years ago that caused our... finances to go haywire. It’s amazing how delicate a financial structure can be... and without even noticing we stopped treading water and slowly started sinking. Debtwave was recommended to me though one of my Employer’s referral programs and I could not be more pleased. Other debt management programs made me nervous: stop paying and we can settle the accounts later, file for bankruptcy. They were terrifying. But, Debtwave wasn’t intimidating nor did they make me feel bad for being in my situation. They lumped everything into 1 monthly payment and negotiated lower interest rates on my accounts. Our account rep is always an email away, and on the rare occasion he is not available the reps have always been super friendly and informative. We are 1 year away from finishing the program... but I wanted to express my gratitude early because it has made life much easier. Thanks Debtwaveread more
Tessie Fernandez
Tessie Fernandez
2018-11-30T16:54:27+0000
I was very pleased with the outcome of my just supposedly... question that turned out to be a help in my part. Thank you, Crystal, for the patient and helpful in assisting me.read more
Joyce Bennett
Joyce Bennett
2018-11-30T00:12:47+0000
super nice people.so very helpful and easy to work... with..they take time to make sure you understand everythingread more
Anna E Garcia
Anna E Garcia
2018-11-20T14:12:16+0000
Wonderful staff. Everyone has been a delight to work with.... For those of you looking at this program wondering if it is legit, yes it is! As long as you do what they say and change your due dates everything should work smoothly. They explain everything very well and make sure it is easily understood. My credit score has increased 80 points in 5 months!read more
Mary Anne Perkins
Mary Anne Perkins
2018-11-20T03:29:58+0000
She was so professional and gracious. Very easy to talk to.... I feel much better todayread more
Rickey Spaulding
Rickey Spaulding
2018-10-31T22:39:36+0000
To the point and professional
Tom Timney
Tom Timney
2018-10-26T05:09:28+0000
Signed up today, looking forward to being debt free and... saving nearly 20K in interest charges!read more
Maria Teresa Angel
Maria Teresa Angel
2018-10-24T17:03:41+0000
The entire process is clear from the start and the options... are also made clear. I found this to be a great service and I am very happy that I decided to join DCC. I feel like now I am in control of my finances and of the outcome over time. Thank you DCC!!! You saved me!read more
Rusty Blessard
Rusty Blessard
2018-10-18T16:38:00+0000
Understanding and extremely efficient!
Nancy Negron
Nancy Negron
2018-10-17T19:33:58+0000
yes I will recomend this program
Laura Lilliewood
Laura Lilliewood
2018-10-05T22:24:09+0000
The professional way in which my session was handled.
Colleen McKee
Colleen McKee
2018-09-28T19:51:17+0000
OMG I have never been happier with a phone call that... started out on such a bad note for me, my anger, self loathing and depression made me sad and afraid no one could help me. Andrew Padilla took that attitude right off the page for me from the beginning. I now have hope and a refreshed sense of self preservation and can actually see the light at the end of the tunnel. I have the upmost appreciation and thankfulness for the compassion and empathy that was shared with me from the beginning. I was not reprimanded, scolded or made to feel worse than I already did. THAT in inself was a blessing. I want to thank Debt Wave and especially Andrew Padilla for their consideration and for making me feel more human. thank you andrewread more
Patti Hummell-Dziedzic
Patti Hummell-Dziedzic
2018-09-26T01:47:51+0000
Just signed up with Israel Contreras. he was very thorough,... answered all my questions and put me at ease. Thank you!read more
Carl Ricker
Carl Ricker
2018-09-15T22:22:36+0000
They efficiently with less stress solve your debt problem... as long as you work with them seriously and sincerely. They will perform miracles but over time and you'll feel good about the whole process once you get into it. Yes! Totally recommended. Carl & Jamiah Ricker of Floridaread more
BarbaraandJames McGraw
BarbaraandJames McGraw
2018-09-05T19:05:03+0000
Pat Gomes was so nice made me feel as though everything... was going to be OK. The kind professionalism meant so much. So thankful I found your company.read more
Nancy Maldonado
Nancy Maldonado
2018-08-16T15:51:25+0000
how much they have helped people,the conselor was very... noligible of his job.read more
Al Dave
Al Dave
2018-08-10T21:31:31+0000
very helpful
Sherry Black
Sherry Black
2018-07-23T18:45:03+0000
Great experience, very thorough and helpful!
Barbara Tantillo
Barbara Tantillo
2018-05-22T01:39:48+0000
I had a very good experience. My counselor talked to me... about debt and he informed me all about my credit cards. He told me what I had to do and that I would have to close my credit cards and I had to decide for myself what I had to do. My counselor answered all my questions and if I needed him I could call. I felt very comfortable in making my decision.read more
Maria Anzaldo Zanfrisco
Maria Anzaldo Zanfrisco
2018-05-10T00:39:05+0000
Awesome alternative to helping people not pay high interest
Roy Orwig
Roy Orwig
2018-05-08T21:34:15+0000
So far so good. Really nothing to report yet. I just signed... up today so we shall see.read more
Albert Terry
Albert Terry
2018-05-03T15:59:53+0000
Well I am new to this company.My sister in law ask for me... to give them a call. I will keep everyone up datd on what happenread more
Oscar Gordillo
Oscar Gordillo
2018-05-01T04:24:29+0000
Just signed up! Charles Aguirre is the best. Explained to... me everything thouroughly. Awesome customer service. So far, so good!read more
Elvin Hernandez
Elvin Hernandez
2017-10-19T17:11:58+0000
Kerry Patterson
Kerry Patterson
2016-07-28T16:58:29+0000
We were promised help in reducing our debt and improving... our credit score. After 3 months, my credit score is 100 points lower and I now have a credit card going to collections. The only thing Debtwave has helped me achieve are headaches and stress. I've received such misinformation and had such poor customer service. If you want to throw your money away and get treated like poo, this is the company for you! Otherwise, stay clear. Bad when you're trying to decide if defaulting on all your debts is a better option than dealing with this company ever again.read more
Phyllis Brantley
Phyllis Brantley
2014-12-02T17:10:05+0000
I've been a member since October 5th 2010 . they are Great... people to handle your debts,they explain everything they will do to get you out of Debt, They explain to you what you have to do , It's easy! Give them a call an see for yourself ! You won't be sorry.read more
James Matlock
James Matlock
2014-11-10T17:33:30+0000
Jacqueline Hite
Jacqueline Hite
2014-10-30T13:40:28+0000
Awesome staff, awesome company. After losing my job and... relocating to start over, DebtWave helped me get my finances on track. I cannot thank them enough!read more
Kaya Rasia Banks
Kaya Rasia Banks
2014-05-20T19:53:07+0000
Sam Phillips
Sam Phillips
2014-01-05T16:04:07+0000
There is always one...well im not that one...yall rock... thank youread more
Rocio Hermosillo
Rocio Hermosillo
2014-01-02T03:46:35+0000
Tom Osborn
Tom Osborn
2013-12-29T01:21:06+0000
Next Reviews
DebtWave Credit Counseling, Inc.
4.8
Based on 82 reviews
powered by Google
Steve B
Steve B
00:06 03 Mar 20
The staff Debtwave has been working tirelessly to help me... get my credit accounts together helping me get a better interest rate to pay them off in one lump sum monthly payment. Thanks Debtwave!read more
Jean Carr
Jean Carr
03:09 04 Feb 20
Fast service. Polite people, willing to help. Agreeable... rates.read more
Kelly Sceppe
Kelly Sceppe
15:11 09 Jan 20
DebtWave has been a great company to work with. They... explained the process which really helped to ease my worries. Very efficient customer service and available to answer all my questions.read more
Anthony Burkett
Anthony Burkett
14:30 09 Dec 19
I am so very thankful for the service and benefit that I... have received from DebtWave in my efforts to eliminate my credit card debt... I could never have achieved such a level of success in such a short amount of time on my on accord... and their customer service is excellent too! I would recommend DebtWave to anyone who is serious about becoming financially solvent.read more
Nalini Narine
Nalini Narine
19:32 01 Jul 19
I work during normal business hours and they work with me.... We promptly communicate back and forward via email which works out very well for me. Chris has communicated and worked with all of the accounts and it as worked out pretty well. They are very flexible and understanding. I have had them work with me for six months and have seen a lot of success. They are very transparent every step of the way and have a very user friendly portal to track the progress of everything. They get an A+ in my books. I'm very glad I found them.read more
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