Debt relief laws in California
McKenzie Adams editorial team · Last updated
Debt settlement is available to California residents. Here is what state and federal law let a company charge, what must be disclosed, and what we offer there.
What debt settlement costs in California
Our Debt Relief fee in California is 25% of the amount saved — the balance owed at enrolment minus what is actually paid to settle — applied identically to every enrolled debt. There is no enrolment fee, no monthly programme fee, and no fee on any debt that doesn’t settle. The minimum enrolled debt is $7,500.
Federal law adds the floor that applies in every state: under the Telemarketing Sales Rule, no fee may be requested or received until a creditor agrees in writing to settle a specific debt, you approve, and a payment is made under that agreement.
Everything we can offer in California
- Debt Relief: available — 25% of savings
- Credit Health: available — plans from $29/mo
- Business Care: available — free tier, formation $0 + state fee
- Mortgage Preparation: available — $2,499 on completion
- Loan modification: not available — Loan modification assistance is not yet available in California. California requires foreclosure consultants to register with the Department of Justice and post a $100,000 bond; we will open California once that registration is complete. Free HUD-approved housing counselling is available to everyone.
Full detail for every state lives on the state availability page, and every price is on the pricing page.