Related Services:

• Debt Consolidation Loan - Compare a wide variety of debt consolidation and related financial services online at DebtConsolidationLoan.com (home page).
• Personal Loan Companies - Need a small / personal loan? These loans often do not secured (home or property not used as collateral) and are available to homeowners and non-homeowners.
• Debt Management - Too much credit card debt to make monthly payments on? Review different debt management solutions for getting help with your credit cards, loans and unsecured debt.
• Bill Consolidation Financing - Need to consolidate your bills? Review listings for companies that specialize in the consolidation of debts.

California Information:

The state of California, abbreviated as CA, has a population of 36,132,147 according to the 2005 census, making it the most populous state in the United States, followed by Texas and New York. It covers 163,707 square miles square miles, making it the third largest state in the country after Alaska and Texas. California is located in the most western portion of the continental United States and is bordered to the north by Oregon. Nevada lies directly to the east and Arizona is situated to the southeast. Hawaii is located several hours (by air) to the west across the Pacific Ocean. California also shares a border with the country of Mexico to the south.

The state’s many attractions include theme parks, remote wilderness, culturally-significant landmarks, and endangered animals, making California one of the most diverse destinations found in the United States. Some National Parks include Yosemite, Death Valley and Joshua Tree.

Sacramento - [visit site], the state capital of California, is the oldest city in the state and is host to many Gold Rush-era attractions and tours.

Advertiser Directory Listings for CA:

List of debt relief programs and services for people in California.
The following debt consolidation and relief solutions that do not require you to take out a new loan in order to get help with your debts are included below. If you have a lot of unsecured debt (credit cards, unsecured loans) and have made some late payments, this may be a good option for you to try. If you are only interested in obtaining a debt consolidation loan, please review the section below.

Find Debt Help in California through LowerMyBills Find out if you qualify for debt consolidation or settlement programs instead of getting a loan. • Possibly decrease your payments and your total outstanding debt.• Get the right debt program to get in control of your personal finances. • Fast and easy to get started. One simple, secure 3-part form to fill out. • Be matched with up to four companies providing help with debts. • Works with over 500 firms that provide various services. • Renter? Bad credit? Good credit history / owning a home not required. • These are not loan programs or mortgages. Not a lending program. • • Only want / need a loan? Other: mortgage refinancing | equity loans. (advertiser)   secure online form | Office Address: 4859 W. Saluson Ave #405 Los Angeles, CA 90056

Debt Consolidation in California - (800) 809-1460 Get help with management of your bills and work towards becoming debt free without loans. • Request a free debt relief analysis and quote without obligation. • Consolidate your debts into one payment that fits your budget.† • Lower the rates on credit card debt and other unsecured bills.‡ • Reduction of your payments and having late fees waived. • Starting the process is easy. Call or fill out a one page secure form. • 24 / 7 access to your account. Satisfaction / money back guarantee. • Already helped over 4 and a half million people with debt problems. † Not a debt consolidation loan program. CareOne is not a lender. ‡ Unsecured debts do not have collateral (e.g., cars or homes). (advertiser)   secure online form | Office Address: 8930 Stanford Boulevard Columbia, MD 21045

List of providers for California debt consolidation loans and related services.
The following listings are companies that offer loans or assist consumers in finding personal loans for consolidating debt and other needs. Typically, these loans are unsecured and do not require you to provide collateral in case you default on the loan. Please note that personal loans typically require credit approval and the larger the loan, the more difficult the qualification requirements may be be. If you have a lot of unsecured debt and have experienced problems making on-time payments, obtaining a loan may not be an available option to you. Each lender is different, but some of the common factors reviewed may be income level and job history, residency type and duration and credit payment history.

Personal Loans for Debt Consolidation in California Get money for unexpected emergency expenses, consolidating debt or other uses with an unsecured loan. • Apply online securely for a personal loan up to $25,000.† • No prepayment penalty. Options for those with good or bad credit.† • Unsecured and secured loan programs. • Personal military loans are offered: (click here for details). • If lender grants approval, receive a fast reply with a quote. No obligation. † (1)Unsecured personal loans over $1,000 will likely need good credit.    (2)Works on a confidential basis with lenders to obtain the best loan. Shopping the Internet for the best credit card? credit card offers Monitor your credit: reports / scores | protect against identity theft. (advertiser)   secure online form | Office Address: 201 Mission Street, Suite 1550 San Francisco, CA 94105

Debt Consolidation Help and Money Management Tips:

Are You Spending More Than You Make?

This might seem like a ridiculous question to ask, but the fact is, many Americans now spend more than they make each and every year, subsidized with credit cards and other debts. The result is a negative savings rate combined with a negative net worth. That double whammy creates a long term debt situation that can ruin your long term goals for what you want out of life. To find out if you are spending more than you make, add up all of your income. Income can include employment or other sources of income. Then make a list of your typical monthly expenditures – not counting debt or credit card payments. Instead of adding your monthly credit card payments, add the entire balance you incurred this year [or do the same for the prior year income and incurred debts]. By focusing on the entire amount of debt charged rather than minimum monthly payments you can determine if you are spending more than you earn. If the answer is yes for multiple years in a row, then you are putting yourself at risk for serious financial difficulty in the future. A debt consolidation loan (often in the form of an unsecured personal or home equity loan), can help get your payments down, but you still must control your spending. When you consolidate debt, you must use your monthly savings wisely by putting this amount away for future needs. If you spend this money unnecessarily, you will only make your personal financial situation worse.

Other Debt Consolidation Loan directories related to the state of California:

• CA Bank List - List of banks located in California provided by the Open Directory Project.

Other major cities include:

• Anaheim - [visit site] - Home to the Angels baseball team and Disneyland.
• Bakersfield - [visit site] - "Life as it should be."
• Fresno - [visit site] - "A culture of excellence where people get the best every day."
• Los Angeles - [visit site] - Second largest city in the United States and the largest in California.
• Long Beach - [visit site] - "Long Beach - One City" - A city with a commitment to unity.
• San Diego - [visit site] - "America's Finest City."
• San Francisco - [visit site] - A city rich in history and home to the Golden Gate Bridge.
• San Jose - [visit site] - "Capital of Silicon Valley."

For more information about California, visit the following:

• Official Site for the State of California
• California Tourism
• U.S. Census Bureau State and County QuickFacts

Looking for credit counseling,  debt settlement or debt reduction programs in a particular state?

Florida credit counseling | South Dakota debt consolidation | consolidate debt in Ohio | Massachusetts debt loans

Make better decisions when shopping for debt consolidation and financial services. Educate yourself!

Please note that the Debt Consolidation Loan Directory has a growing library of informative / educational resources for consumers shopping for many types of financial services, such as consolidating your bills, auto insurance and credit counseling. Their is no better way to make decisions regarding the management of your personal finances than to become educated. Please feel free to visit our consumer resources library.

• Do You Know the Warning Signs of Having Too Much Debt? - Review this informative article, provided by CitiFinancial, which stresses that you take control of your spending as soon as you notice any of these warning signals. Avoiding to do so could possibly lead to bankruptcy, which is not a cure for financial troubles. 
• Getting a Home Equity Loan: Questions to Ask - Check here for a list of questions you really should ask yourself before getting a home equity loan for reasons such as consolidating debt. For example, Have you evaluated all of your other available options before using your house as collateral for a loan? For most people, their home is their most valuable personal asset. Using it as security for any loan should not be taken lightly. 
• Understanding Credit Cards - They can be a great financial resource if they are used responsibly. Unfortunately, for a lot of consumers, they are a very big problem when it comes to managing their personal finances. This article from the FDIC stresses the importance of evaluating your true needs and understanding how credit cards work. 

debtconsolidationloan.com (Debt Consolidation Loan) is a free web service and directory. All information is deemed reliable, but not guaranteed. debtconsolidationloan.com is not responsible for the content and services, that may be provided to you, by following the links from this web site. Use this service at your own discretion. Last site update: 2012-02-01.