Compare 5 get out of debt companies serving San Diego, California. Average rating: 4.4/5.
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.
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.
Best for: 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
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.
Best for: 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
Unable to generate profile: United Debt Relief's website returns a 403 Forbidden error, preventing access to company information, services, or verification of business operations.
Best for: Consumers in San Diego, California looking for credit repair services, People who prefer working with a local credit repair provider
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.
Best for: 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
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.
Best for: 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
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.
Best for: 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
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.
Best for: 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
Unable to generate profile: United Debt Relief's website returns a 403 Forbidden error, preventing access to company information, services, or verification of business operations.
Best for: Consumers in San Diego, California looking for credit repair services, People who prefer working with a local credit repair provider
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.
Best for: 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
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.
Best for: 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