DebtWave Credit Counseling, Inc.

Overall Rating


out of 10

DebtWave Credit Counseling, Inc.

9325 Sky Park Court STE 260
San Diego, CA 92123


The Good

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.


  • 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

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.

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.

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.


Customer Satisfaction


Accredited by the Better Business Bureau since 2003 with an A+ rating, DebtWave achieves high customer satisfaction ratings by empowering consumers to take charge of their finances and offering them the resources to get out of debt.
DebtWave earned an average of 4.85 stars through the BBB, with 16 positive reviews. Rated #3 by BestDebtCompanys, DebtWave received an 8.4 rating from the website and 9.4 out of 10 points based on consumer reviews.
BestDebtCompanys called DebtWave customers “incredibly loyal,” praising the organization’s transparency, honesty, and commitment to customer service. Few debt consolidation companies or credit counselors have achieved the same level of trust from their customers.

Variety of Services


DebtWave offers debt management plans, debt consolidation, and credit counseling for families and individuals facing seemingly insurmountable debt. The depth and breadth of its financial education services are second-to-none. Many of DebtWave’s financial education programs, including workshops, are presented through its outreach division, the San Diego Financial Literacy Center (SDFLC).
DebtWave also provides articles on budgeting, paying off credit card debt and saving money on its website, which is easy-to-navigate and chock full of information. In addition to helpful tips and advice, visitors will find multiple financial calculators and quizzes to get a clear picture of where they stand, which will help them take control of their financial future.
The only thing keeping DebtWave from a 5/5 rating for its variety of services is the lack of a debt settlement program. But most not-for-profit credit counseling agencies like DebtWave do not offer negotiation services and debt settlement. However, DebtWave’s debt consolidation program may eliminate penalties and late charges, and also reduce interest rates on revolving debt.
Also, DebtWave serves 46 states but is not licensed to operate in Colorado, Kansas, Maryland, or New York.

Experience and Recognition


Founded in San Diego in 2001, DebtWave quickly built a name for itself within its San Diego community and then branched out nationwide to provide debt management, credit counseling, and financial education to 46 states.
Its prestigious board of directors includes executives from companies such as Wells Fargo, Libre Technologies, Lytx, Go Motion, and Renovate America, alongside DebtWave senior executives. Members of the management team have been with the company since 2002.
DebtWave works with more than 100 community and corporate partners in San Diego and beyond to spread the message of financial literacy and help individuals save money, earn more, and create a stable financial future.
With active social media accounts on Twitter, Facebook, Instagram, Google+, and LinkedIn, as well as channels on YouTube and Vimeo, DebtWave stays in the public eye with compelling and fun content like #TuesdayTrivia questions and a regularly updated blog.

Licensing and Accreditations


DebtWave is ISO certified through BSI Group, an independent organization that ensures businesses adhere to best practices. DebtWave credit counselors are individually certified through the Center for Financial Certification.
The organization has been accredited since 2003 by the Better Business Bureau.

Expert Review


DebtWave has not been around as long as some of the other nonprofit credit counseling agencies. But it has built a solid reputation in the industry thanks to its commitment to community outreach, financial education programs, and dedication to customer service.

Hundreds of positive customer reviews showcase DebtWave’s honesty, transparency, and personalized service. Specializing in credit counseling and debt management programs, DebtWave does not spread itself too thin.
The resources DebtWave offers for financial literacy are second-to-none. The organization has a frequently updated blog, live workshops and local education programs, debt calculators, and a financial education workbook and quiz.
If you are looking for a solution to your growing credit card debt and would also like to learn how to maintain a budget, manage credit, and improve your financial situation for good, considering calling DebtWave.


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