Debt help in Irvine, California

29 offices are listed in Irvine. Types differ enormously in what they cost and what they can legally do, so check the description on each page before you call.

Counselors review your whole budget, then often propose a debt management plan that rolls unsecured balances into one monthly payment at a reduced interest rate. Nonprofit agencies are the standard here, and a genuine session should include a full budget review before anything is sold to you.

General debt relief and consolidation offices, which package several balances into one program or one payment. Ask exactly which service you are buying, because the term covers everything from a referral to a full settlement program.

Settlement firms negotiate with creditors to accept less than the full balance, normally after you save into a dedicated account for months. Federal rules bar any fee before a debt is actually settled.

Credit repair companies dispute items on your credit reports on your behalf. Nothing they can legally do is something you cannot do yourself for free, and federal law bars them from charging before services are performed or promising to remove accurate information.

Tax resolution offices handle IRS and state back taxes: installment agreements, offers in compromise, penalty abatement, and lien or levy releases.

Attorneys and offices that handle consumer bankruptcy filings, plus the credit counseling and debtor education certificates the court requires before and after a case.