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 will 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 consumers pay back more than $300 million in credit card debt since 2001. We are licensed and/or registered to help consumers in 46 states plus Washington, D.C.
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.
Credit Card Payoff & Other Finance Calculators
Use our free financial calculators to discover how long it will take to pay off your credit card debt. Find our how much you’re paying in interest fees and how much you could save!
Start today!
- Credit Card Payoff Calculator. Input your current credit card payment amount and find out a quicker way to pay off your debt.
- Debt to Income Ratio Calculator. Find out your DTI and what most lenders use for their guidelines .
- Net Worth Calculator. Find out the most important number in determining your financial health
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.
- Free Financial Education Workbook. Learn best-practice personal finance habits with our FREE financial literacy workbook.
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
Get out of debt with our help!
We can help get your finances in order so you can stay on track and achieve your life goals.
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 an emergency.
Planning for your future
Know how much you need to save, forecast expenses and be ready for any suprises.
