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Overview

Highlights

  • Free consultation
  • A+ BBB-rating, excellent customer reviews
  • Emphasis on educational programs and community outreach
  • Active social media with interesting, socially aware content
  • Reduce interest rates and monthly charges
  • Avoid bankruptcy and get out of debt

The Most Trusted Credit Counseling Agency


Consumer reviews call DebtWave the “most trusted” credit counseling agency. From the first phone call, it is clear that DebtWave’s certified credit counselors care about their customers. As a smaller company (under 50 people) DebtWave provides personalized service – you are never just a number or another anonymous account to DebtWave counselors.

As a nonprofit organization, DebtWave’s primary goal is to help consumers get, and stay, out of debt. They provide a few different solutions to do so. Customers report that they have no concerns about letting DebtWave handle the process for them.

Emphasis on Education Provides the Tools You Need to Stay Out of Debt

Beyond providing debt management programs and debt consolidation, DebtWave strives to be a catalyst for change by providing information and education to help Americans better manage their finances.

With programs focused on San Diego youth, military families, and middle-to-low income people, DebtWave offers free financial services where they are needed most.

Positive Consumer Reviews

When you read reviews of debt consolidation companies and credit counseling agencies, you often see many bad reviews marring the company’s reputation.

DebtWave, on the other hand, has overwhelmingly positive consumer reviews, earning high marks from BBB reviewers, and many “perfect 10” reviews at BestDebtCompanys.com.

Many consumers say DebtWave turned their life around. Some reviewers report paying off as much as $30,000 in credit card debt in just four years.

Free Consultation

Speak to a certified credit counselor at DebtWave for free to find out if credit counseling or a debt management plan is the right financial decision for you.

DebtWave promises to provide customers with seven options in 10 minutes, plus guidance to decide which solution is the best to help you get out of debt.

Get Your Debt Under Control with a Debt Management Plan

DebtWave can help you get out of debt in three to five years. If the interest rates on your credit cards are more than 15%, DebtWave can consolidate your debt into one payment at a lower interest rate, making it possible to avoid bankruptcy and get out of debt faster than you ever could on your own.

DebtWave has helped more than 13,000 people across the country take better control of their finances.

Reduce interest rates and monthly charges with a Debt Consolidation Program

Many people call DebtWave as a last resort before bankruptcy. They cannot make their minimum monthly credit card payments and continue falling deeper into debt. DebtWave can reduce interest rates and monthly charges, and help you get out of debt in three to five years.

Accredited Team and ISO Certified Business

DebtWave hires only certified credit counselors who understand the intricacies and legalities of debt management and debt consolidation.

The organization is also accredited with an A+ rating by the Better Business Bureau and is ISO certified for its business processes by BSI Group.

About DebtWave Credit Counseling, Inc.

A non-profit 501(c)(3) corporation since 2001, DebtWave focuses on “Making Your Life Simple.” The organization has helped Americans in 46 states get out of debt and form positive financial habits to help them stay out of debt and enjoy a comfortable lifestyle.

With many resources and educational programs available, DebtWave offers credit counseling and financial education. DebtWave counselors can help consumers establish a Debt Management Program and consolidate their debt, potentially eliminating late fees and penalties.

A debt management plan combined with credit counseling helps many consumers avoid bankruptcy and build a bright financial future.

Active within in the San Diego community where it was founded, DebtWave offers an outreach program, called the San Diego Financial Literacy Center. Tailored to young people, the military, and low-to-moderate income families, DebtWave seeks to help the people in their community build a secure future through financial education.

The Bottom Line
As a recognized not-for-profit organization, DebtWave Credit Counseling is a safe choice to pursue relief from credit card debt. While the company’s services are limited to credit counseling, financial education, and debt management plans, very few companies provide these services with the same quality and attention-to-detail.

You would be hard-pressed to find a more trusted credit counseling agency that has delivered proven results two decades.

Reviews

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    I had the MOST wonderful experience. I dealt with Jack and Ava. Both were very informative, and really took charge of my tax matter. I was able to get everything handled in about 6 months and save a lot of money. I will say I was a nervous wreck and had trouble just relaxing, but once I did I felt I saw magic happen. Thank you fine folks at stopirsdebt. I am forever grateful.

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    I talked to Mark about all my back taxes and the issues I face with these crazy IRS people. He PROMISED me they would get it done and I can sit here and say he is a man of his word. I feel they took care of me well and really had my best interest. I was able to keep my properties and retirement accounts and still get this solved. I am glad I talked to Mark and we sorted this thing out.

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    I like them and they work. I would recommend for your tax problems. I liked Ariana.

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    YES YES YES!!! This truly has been a blessing in my life. I can not sing enough praises. I feel like we can finally retire ion peace because of the great job they all did resolving our tax issues. I would definitely hire them again and I think the process is very easy. It took several months and I can say with confidence all is good.

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    Their prices were the best of the folks I called. Seems to be working out. No more garnishment. so I think they are good.

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    They are AMAZING!! From the first fella I spoke to down to the receptionist confirming a fax. I am so happy I trusted them. They kept saying we are handling this and I was skeptic but here we are 7 months later and I saved a great deal of money and I only have to pay a small amount monthly towards the remaining amount. I recommend them and give them 5 stars.

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    Dealing with the IRS has been a nightmare for me the last 6 years. I finally buckled down and hired this firm to help me, since I did not seem to get anywhere. It took us about 9 months (sounds like forever but compared to 6 years it isn’t bad really) and I can finally say my tax debt is behind me. They made me feel comfortable and continuously supported me throughout the case. I truly feel the piece of mind and professional handling was well worth the dollar spent. Thank you for saving my money and my sanity.

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    I am amazed at how friendly all these gals were. I like that they took the time to speak to me when I didn’t know what to do on forms and how they understood I messed up. I did not feel judged and they helped me knock this stuff right out. I would hired them again if I needed to.. although imma do my best not to owe the damn government again!!

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    I had no idea when I started looking for help with my tax debt that one of the main IRS processing centers for the Eastern seaboard was in my back yard. Not only that, but I found a great tax attorney who was able to do what two other organizations could not, resolve this tax matter. I cannot say enough about Jonathan and his team. They kept me in the loop and got the result I told them that I needed in order to survive financialy. Thank you again, Jonathan.

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    Saved me a few grand. Did my taxes. So I guess they do work. Kudos folks.

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    J. David Tax Law respectfully understood my range of emotions and concerns I had regarding my situation. He thoroughly explained the process, set expectations & options, and helped guide me to a successful outcome. My attorney was responsive, knowledgable, and happy to answer any questions, no matter how mundane. His diligence, experience, and personal commitment, made me feel that my case was important & that I was more than just another client. Because of this, I am so thankful that I found them

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    I decided I needed a tax attorney to represent me in dealing with the IRS due to having very large prior year taxes due, even though I was current in tax return filings, and having just received notice that the IRS had cancelled a prior installment agreement and were threatening me with wage garnishment, property liens, etc. After a telephone call with J. David Tax Law, we set up a “game plan”. I found my attorney to be extremely knowledgeable, and he quickly outlined my options, listened to my desires relative to my financial state, and recommended a path forward that his firm would totally manage with the IRS on my behalf. I left feeling a great weight had been taken off my shoulders. I sent backup documents to my attorney’s legal assistant, provided a signed power of attorney form so they could represent me before the IRS, and was informed that a response to the IRS was in process. They contacted regularly to keep me informed of where they were in the case. Surprisingly, five weeks later I received options to settle the tax debt that I could handle. This options were drastically better than what the IRS had offered when I spoke with them. J. David Tax Law’s ethical, and forthright treatment of this unique situation gave me reassurance that their reputation is justly deserved. Without hesitation I will immediately engage J. David Tax Law should the need ever arise again. Hopefully it won’t but you never know. Good to have options.

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    I contacted J. David Tax Law regarding some business tax issues from my rental properties. I was impressed with their knowledge in these areas and their honesty. They provided me with practical solutions that I could afford to take advantage of. They were extremely efficient and helped me reach a settlement with the IRS to protect my interests in a reasonable amount of time. One thing that made this group stand out from my experiences with other lawyers is how much they cared and spent time explaining things to me. Since my husband passed I’ve been lost and highly reccommend this group for the work they did for me.

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    I contacted J. David Tax Law regarding some issues I was having with our taxes after the passing of my husband. I was impressed with their knowledge and the patience they had with me. Jim provided me with practical solutions and worked with me to help me to be able to afford to have them represent me. They were extremely efficient and helped me reach a settlement with the IRS to protect my interests and ensure I could maintain my lifestyle in retirement. If it were left up to the IRS I would have starved, I’ve never seen a more inhumane organization. I am very thankful I could have this organization represent me and thank my attorney and his assistant for all they did.

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    I am writing to thank you for the very professional job that you and your colleagues accomplished in managing my recent negotiations with the IRS concerning an offer in compromise. At the beginning of our work together you clearly mapped out the steps involved in the process and you accurately predicted the response of the IRS at every step. You completed the negotiation in a fairly short period of time, within the budget for fees that we initially agreed upon, and with an outcome that ultimately saved me tens of thousands of dollars. Please don’t hesitate to use me for future client references.

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    My taxes from some previous years hadn’t been filed and I wanted to take care of them correctly and make sure that everything was on up-and-up since I was about to get married. I felt like I would make mistakes if I did it myself or get in trouble when dealing with older taxes since I was going to owe the IRS. I reached out to J David and they’ve been awesome. They were honest and upfront and they stayed in contact with me through the whole thing. Should invite you to the wedding for all you did!

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    Tax Defense Network (Keri Brown), has helped so much. I am greatful to know they were on top of things while I continued to do what I love. They gave me a better understanding on how I am to handle my finances with the IRS. I would more then likely recommend them to anyone.

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    It has been an absolutely complete pleasure working with Amber Sarmiento for these past years. I’ve been a customer for quite some time and Tax Defense Network has help me tremendously through out the years and with all my tax issues. I am very satisfied with the results and most of all the support I get from the Tax Defense Team. Special thanks to Amber Sarmiento for all her help.

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    My husband and I are at the beginning stages of help. I really appreciate the constant communication it really makes me feel comfortable that the debt relief program that we are on is with a team that is dedicated to doing everything that they can to help us eliminate some of our IRS debt.
    I will follow up with another review as the process goes on and once we have completed the program.

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    Overall my experience with Tax Defense Network was Very Good. I would not hesitate to use them again. They finished their work on my case, in a very professional manner, and they made me feel confident in their ability to get the job done.

  • contact

    DebtWave Credit Counseling, Inc.
    9325 Sky Park Court STE 260
    San Diego, CA 92123
    888-686-4040

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