• Get Started Online
DebtWave
  •  

    “Making Your Life Simple”

    (888) 686-4040

    • Get Help with Credit Card Debt
    • Get Started Online
    • Book Appointment
    • Get A Free Online Financial Education
    • Calculate My Debt Free Date
    • About Our Team
    • What We Do
    • FAQs
    • Credentials
    • State Licenses
    • Contact
    • Credit Counseling
    • Debt Management
    • Pre-Bankruptcy Counseling
    • Debt Consolidation
    • Credit Card Payoff Calculator
    • Calculate Your Net Worth
    • Debt to Income Ratio Calculator
    • Credit Card Minimum Payments Calculator
    • Credit Card Debt Quiz
    • Spending Quiz
    • SDFLC
    • Seminars & Events
    • Smart With Your Money LIVE
    • S.W.Y.M. Program
    • Podcast
    • Boost for Our Heroes
    • General
    • Financial Tips
    • Debt
    • Budgeting
    • Credit
    • Spending
    • Military

Get Started Online

(888) 686-4040

Debt Management

Debt Management | Financial Tips | General
Survey: 1 in 2 Americans Blame Inflation for Insufficient Retirement, Emergency Savings

If you’ve made a financial decision in the past that you regret, like taking on too much credit card debt, … Read More

August 29, 2024 0
Credit Card | Debt Management | General
America’s Credit Card Debt Epidemic

After a brief payoff period during the COVID-19 pandemic, powered mainly by stimulus checks, American consumers are increasingly struggling with … Read More

August 19, 2024 0
Debt Management | Financial Tips | General
Healing Financial Shame On Your Debt Free Journey

Have you ever felt shame because of your financial situation? Last weekend I was at the pharmacy when my debit … Read More

July 22, 2024 0
Debt Management | Financial Tips | General
15 Lessons from Ramit Sethi’s Netflix Show ‘How to Get Rich’

A new docuseries featuring a modern take on how to manage your finances has arrived on Netflix.  In “How to … Read More

July 18, 2023 0
Debt Management | Financial Tips | General
401k Financial Hardship Withdrawals on the Rise

Have you considered taking money out of your 401k savings in the last year to cover credit card debt, financial … Read More

July 5, 2023 0
Budget | Credit Card | Debt Management | Financial Tips
Unemployed with Credit Card Debt: What to Do?

If you’ve been on LinkedIn lately, it’s hard to miss the number of people sharing they’ve recently been laid off, … Read More

March 16, 2023 0
Budget | Credit Card | Debt Management | Financial Tips | General | Spending
The Financial Cost of Addiction

Need help? 1-800-662-HELP (4357) – SAMHSA SAMHSA’s National Helpline is a free, confidential, 24/7, 365-day-a-year treatment referral and information service … Read More

October 7, 2021 2
Debt Management | Financial Tips | General
One-on-One with DebtWave’s Certified Credit Counselor Pat Gombes

For more than five years, one of DebtWave’s Certified Credit Counselors, Pat Gombes, has helped hundreds of consumers struggling to … Read More

September 3, 2021 1

Principal Address

500 La Terraza Blvd, Suite 150
Escondido, CA 92025

Mailing Address

1835A S. Centre City Parkway, #508
Escondido, CA 92025

Hours (PST)

7 AM - 4 PM (Monday - Thursday)
7 AM - 3 PM (Friday)

 

About Our Team
What We Do
FAQs
Credentials
State License
Contact

Our goal is to help you pay off your debt and learn the basics of personal finance, so you’re financially empowered by the time you graduate our program.

 

Credit Counseling
Debt Management
Credit Coaching

Loan Payoff Calculator
Debt to Income Ratio Calculator
Credit Card Minimum Payments Calculator

       

 

Credit Card Debt Quiz
Spending Quiz: Analyze Spending Habits
SDFLC
Seminars & Events
S.W.Y.M. Program
Podcast
Boost for our Heroes

BBB

NFCC Member

DebtWave is short for full legal name DebtWave Credit Counseling, Inc.
DebtWave Credit Counseling, Inc. is a 501(c)3 nonprofit organization. Information found on our website is intended to be educational, not legal advice. We do not lend money.
Privacy Policy
© 2026 DebtWave | Company NMLS ID: 981270

    • Get Help with Credit Card Debt
    • Get Started Online
    • Book Appointment
    • Get A Free Online Financial Education
    • Calculate My Debt Free Date
    • About Our Team
    • What We Do
    • FAQs
    • Credentials
    • State Licenses
    • Contact
    • Credit Counseling
    • Debt Management
    • Pre-Bankruptcy Counseling
    • Debt Consolidation
    • Credit Card Payoff Calculator
    • Calculate Your Net Worth
    • Debt to Income Ratio Calculator
    • Credit Card Minimum Payments Calculator
    • Credit Card Debt Quiz
    • Spending Quiz
    • SDFLC
    • Seminars & Events
    • Smart With Your Money LIVE
    • S.W.Y.M. Program
    • Podcast
    • Boost for Our Heroes
    • General
    • Financial Tips
    • Debt
    • Budgeting
    • Credit
    • Spending
    • Military