There is no formal "California Debt Relief Program" offered by the state of California. There are various services offered by debt consolidation companies. Many of these companie help with credit card debt. Examples include credit counseling, debt settlement and debt consolidation loan companies. Companies that advertise a California Debt Relief Program are simply using a marketing strategy to get consumers attention.

For Credit Counseling, California State Law allows agencies to charge up to $100 for an education and counseling fee (enrollment fee). The agency can additionally charge a monthly service fee up to 15% of the client's payment to the clients not to exceed $75 per month.

For Debt Settlement, an agency can charge up to 15% of the amount of the debt forgiven.

Both credit counseling and debt settlement have their pros and cons. Credit Counseling is ideal for consumers looking to keep their credit intact. It's more geared toward people that are looking to lower interest rates and their monthly payments. Debt Settlement is ideal for people that are already months behind on their payments. Credit card companies are willing to settle your debts for less once you become delinquent. Usually about 6+ months delinquent. Or to the point they feel you are a good candidate for bankruptcy.