Debt Relief Provider Profiles in San Diego, CA

Review 6 listed debt relief profiles associated with San Diego, California. Average stored Google rating where available: 4.4/5.

6 Listed Profiles 4 Google-rated Payday: Legal

California Lending Regulations

California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.

Usury cap: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100 Agency: California Attorney General Consumer Protection

Provider Profiles for Debt Relief

Bounce Debt Relief, Inc.

Bounce Debt Relief negotiates settlements with creditors to reduce unsecured debt balances. They work with clients carrying $15K+ in debt, charging fees only when settlements are approved.

5.0/5

Google rating from 98 reviews

BBB: NR

Profile signals: Consumers with $15,000+ in unsecured credit card debt who can afford monthly deposits and accept temporary credit score impact, Individuals seeking alternative to bankruptcy who have stable income but cannot pay full balances

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Midland Credit Management Inc

Midland Credit Management is one of the largest debt collectors in the US, a subsidiary of Encore Capital Group (NASDAQ: ECPG). Subject to $57M+ in CFPB penalties and multi-state AG settlements for collection violations.

4.6/5

Google rating from 5,036 reviews

BBB: A

Profile signals: Consumers who have received collection notices from MCM and want to understand their rights and negotiate a settlement, Individuals whose debts have been sold to MCM and want to verify the debt is valid before paying

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Pacific Debt Relief

Pacific Debt Relief negotiates with creditors to settle unsecured debt for less than owed. No upfront fees; charges 15%–25% of enrolled debt only after successful settlement.

4.6/5

Google rating from 400 reviews

BBB: A+

Profile signals: Individuals with $10,000 or more in unsecured credit card debt who can no longer afford minimum payments, Consumers seeking to avoid bankruptcy who are willing to accept credit score damage during the settlement process

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Debt Advisors of America

Debt Advisors of America is a debt relief referral service that matches consumers with licensed third-party partners to negotiate settlement of unsecured debts without requiring a consolidation loan.

3.4/5

Google rating from 52 reviews

BBB: NR

Profile signals: Consumers with $10,000+ in unsecured credit card and medical debt who want professional negotiation without a consolidation loan, Individuals seeking a debt solution faster than minimum payments but want to avoid bankruptcy filing

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Listed Debt Relief Profiles in San Diego (6)

Bounce Debt Relief, Inc.

Bounce Debt Relief negotiates settlements with creditors to reduce unsecured debt balances. They work with clients carrying $15K+ in debt, charging fees only when settlements are approved.

5.0/5

Google rating from 98 reviews

BBB: NR

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Midland Credit Management Inc

4.6/5

Google rating from 5,036 reviews

BBB: A

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Pacific Debt Relief

Pacific Debt Relief negotiates with creditors to settle unsecured debt for less than owed. No upfront fees; charges 15%–25% of enrolled debt only after successful settlement.

4.6/5

Google rating from 400 reviews

BBB: A+

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Debt Advisors of America

Debt Advisors of America is a debt relief referral service that matches consumers with licensed third-party partners to negotiate settlement of unsecured debts without requiring a consolidation loan.

3.4/5

Google rating from 52 reviews

BBB: NR

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Paramount Law

Licensed debt settlement law firm offering debt negotiation, consolidation, and litigation defense across 10+ states through attorney representation.

BBB: NR

Profile signals: Consumers being actively harassed or sued by debt collectors who want legal representation, Residents in CO, FL, GA, IA, IL, KS, NJ, NV, OH, SC, or VA seeking attorney-led debt negotiation

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Roz Lawsuit Loans

Roz Lawsuit Loans offers pre-settlement legal funding to plaintiffs in California, providing cash advances against pending lawsuit settlements.

BBB: NR

Profile signals: California plaintiffs in active personal injury or civil cases who need cash while awaiting settlement, Consumers who prefer direct, one-on-one contact with a small independent funder rather than a large company

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