We Negotiate Your Debt Down — You Pay Less Than You Owe
- › We negotiate directly with your creditors on your behalf
- › Settle your debt for a fraction of the full balance
- › Resolve $10,000+ in debt — without bankruptcy
This won't affect your credit score!
Based on a real client result with $12k in unsecured debt.
Individual outcomes vary.
Debt Doesn't Fix Itself.
If you're making minimum payments every month and the balance barely moves, you already know the math isn't working. Interest rates stay high. The stress doesn't go away. And waiting just makes it worse.
You don't need a lecture. You need a plan.
- Minimum payments that never reduce your balance
- Collection calls and past-due notices
- Interest rates above 20% eating your income
- No clear path out — just more stress
CALIFORNIA DEBT RELIEF SPECIALISTS
Cut Your Debt. Keep Your Life.
Californians with $10,000+ in unsecured debt are qualifying to cut what they owe by up to 50% — without bankruptcy.
Takes 60 seconds · No credit check · 100% confidential
Secure & Private
256-bit encrypted
A+ Rated
BBB Accredited
Free Consultation
No obligation
2500+
Californians Helped
Up to 60%
Average Debt Reduction
$0
Upfront Fees
12–48 mo
Average Program Length
How It Works
Three steps. No surprises. No obligation.
1
Tell Us Your Situation
Answer a few quick questions about your debt. It takes about 60 seconds and won't affect your credit score.
2
Talk To A Specialist
A dedicated California debt specialist reviews your profile and walks you through real options — no scripts, no pressure.
3
Get Your Plan
If you qualify, you'll receive a customized program that reduces what you owe and fits your monthly budget.
Real Results From Real Californians
★★★★★
"I had $28,000 in credit card debt and was drowning in minimum payments. After 36 months I settled for a fraction of what I owed. Life-changing."
Maria G., Orange County
★★★★★
"I was skeptical at first but they walked me through every step. No hidden fees, no runaround. I finally feel like I'm in control again."
James T., Los Angeles
★★★★★
"They negotiated my debt down significantly. The monthly payment actually fit my budget. I wish I'd called sooner."
Sandra R., San Diego
See If You Qualify In 60 Seconds
Most people who qualify have:
- $10,000 or more in unsecured debt (credit cards, personal loans, medical bills)
- A financial hardship — reduced income, job change, or unexpected expenses
- The ability to make a consistent reduced monthly payment
- A desire to resolve debt without filing for bankruptcy
Free. Confidential. No obligation to enroll.
Common Questions
Will this hurt my credit score?
Enrolling in a debt relief program may initially affect your credit score. However, carrying high balances and making late payments also damages your score. Most clients find the long-term benefit of resolving debt outweighs the short-term impact.
How is this different from bankruptcy?
Debt relief is a voluntary negotiation between you and your creditors. It does not require a court filing, does not become public record, and does not carry the same long-term financial consequences as bankruptcy.
What types of debt qualify?
We work with unsecured debt — credit cards, personal loans, medical bills, and certain private debts. Mortgages, auto loans, and student loans typically do not qualify.
How long does the program take?
Most clients complete their program in 24 to 48 months depending on their total debt amount and monthly budget.
Are there upfront fees?
No. There are zero upfront fees. You only pay once a debt has been successfully negotiated and settled on your behalf.
Is my information private?
Yes. All information you share is encrypted and used solely to assess your eligibility. We never sell your data.
Your Next Step Takes 60 Seconds.
Find out what you qualify for — no cost, no commitment, no credit check.
Or call us now: (833) 800-1404
Premium Capital California provides debt relief consultation and referral services. Results vary. Not all clients qualify or complete programs. Debt relief may negatively affect your credit. This is not legal, tax, or bankruptcy advice. Services may not be available in all states.
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