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Credit Card Debt Consolidation Help  in California
Call Today: (877) 274-1260
If you successfully complete our program, it’s possible that you’ll enjoy these benefits:
Settle your debts for less than you owe
  (read here for full details about how much you can expect to save)
Resolve your unsecured debts in 18 to 60 months
  (read here for full details on how long our program lasts)
No Up Front Fees - Don't Pay Till You See Results!
California  Debt Relief
Debt settlement, also known as debt negotiation and debt reduction, is the process by which we negotiate and settle a debt for a reduced amount on behalf of a client. When successful, it is possible that Franklin Debt Relief can settle their debts for less than what is owed, all with the convenience of one low program payment. The savings from our debt settlement program can potentially be tremendous versus making your minimum payments, and it is in some cases the cheapest and fastest debt relief, debt consolidation or debt help option available to California consumers.

If you're overwhelmed with credit cards, medical bills, balances from a repossession, or accounts in collections, call for a free consultation: (877) 274-1260.
Pertinent California  Debt Relief and Debt Help Laws
(This is intended to be a helpful and informational debt resource for California consumers and does not constitute legal advice. For legal advice about your situation, contact a licensed professional in California.)

Debt Collection California follows the set of federal laws dealing with collection agencies (and law firms that collect debts) that are collectively known as the Fair Debt Collection Practices Act (FDCPA). For more information on the FDCPA follow this link: debt collection.

Original creditor or creditor collecting own debt must comply with all the provisions of the FDCPA, except those provisions dealing with required disclosures. (For example, the original creditor does not have to verify the debt's validity).

Maximum Interest Rate a Collection Agency Can Charge: 10%

California Wage Protection: 75% of wages

Statute of Limitations

A statute of limitations is a law that sets forth the maximum period of time, after certain events, that legal proceedings based on those events may be initiated. For debt, the statutes of limitation apply to the maximum period of time after a consumer has become delinquent on their payments. The key point to remember is that you are considered delinquent not from the date of your last payment, but rather the day after you have gone past due. In other words, if you made your last payment on 3/3/03 and your next payment was due the same day of the next month, the statute of limitations on the debt would not start running until 4/4/04. The statutes of limitations vary from state to state and depend on the type of debt and where the original transaction took place (i.e. if you took the loan out in Texas but live in California, the applicable statutes of limitations would be Texas'.)

Oral Agreements: 2 years
Written Contracts: 4 years
Promissory Notes: 4 years
Open Accounts (credit cards): 4 years

Bankruptcy Courts

U.S. Bankruptcy Court
255 East Temple St.
Edward R. Royal Bldg.
Los Angeles, CA 90012
(213) 894-3118

U.S. Bankruptcy Court
3410 Twelth St.
Riverside, CA 95201

U.S. Bankruptcy Court
411 W. Fourth St.
Santa Ana, CA 92701

Southern District of California
Jacob Weinberger United States Courthouse
325 West F Street
San Diego, CA 92101 - 6998

The Eureka Post Office & Courthouse
Fifth & H Street
Eureka, CA 95501

U.S. Bankruptcy Court
Post Office Box 2070
Oakland, CA 94604-2070

U.S. Bankruptcy Court
1300 Clay Street
Oakland, CA 94612
Serving Alameda and Contra Costa.

United States Bankruptcy Court
1000 South Main, Room 214
Salinas, CA 93901

U.S. Bankruptcy Court
Post Office Box 7341
San Francisco, California94120-7341

U.S. Bankruptcy Court
235 Pine Street, 19th Floor
San Francisco, CA 94104
Serving San Francisco and San Mateo

United States Courthouse, Room 3035
280 South First Street
San Jose, CA 95113-3099
Serving Santa Clara, Santa Cruz, Monterey and San Benito

U.S. Bankruptcy Court
99 South "E" Street
Santa Rosa, CA 95404
Serving Del Norte, Mendocino, Humboldt, Napa, Sonoma, Marin and Lake.

U.S. Bankruptcy Court
501 I Street, Suite 3-200
Sacramento, California 95814
(916) 930-4400

U.S. Bankruptcy Court
1130 12th Street Suite C
Modesto, California 95354
(209) 521-5160

U.S. Bankruptcy Court
2500 Tulare Street, Suite 2501
Fresno, California 93721-1318
(559) 499-5800

U.S. Bankruptcy Court
1300 18th Street, Suite A
Bakersfield, California

U.S. Bankruptcy Court
1415 State Street
Santa Barbara, CA 93101

San Fernando Valley
U.S. Bankruptcy Court
21041 Burbank Blvd.
Woodland Hills, CA 91367

Bankruptcy Exemptions

Bankruptcy exemptions are protected assets that the bankruptcy code mandates that a debtor is entitled to keep in order to adequately get a "fresh start" after filing. Bankruptcy exemptions vary from state to state, and the following list is the property that is protected in the bankruptcy code of California. For more information, follow this link: bankruptcy exemptions.

Also, California is a community property state. Click here to learn about what this means if you have debt that's in only one spouse's name.

California has two bankruptcy exemption options from which consumers can choose.

System 1

Home, Auto, Personal Property

-Real or personal property you occupy including mobile home, boat, stock cooperative, community apartment, planned development, or condo to $50,000 if single; $75,000 for families if no other member has a homestead (if only spouse files and home held as community property, may exempt one-half of amount; if home held as tenants in common, all of amount of home may be exempted)
-If 65 or older: real or personal property you occupy to $150,000
-If physically or mentally disabled: real or personal property you occupy to $150,000
-If single, 55 or older, & earn less than $15,000: real or personal property you occupy to $150,000
-If married, earn less than $20,000, and creditors forcing sale of your home: real or personal property you occupy to $150,000
-motor vehicles to $2300
-Bank deposits from Social Security administration to $2,425 ($3,650 for husband & wife); unlimited protection if Social Security monies make up 100% of the bank deposit; other public benefits to $1,225 ($1825 if married)
-Appliances, clothing, food, and furnishings
-Building materials to repair or improve home to $2,425 (husband & wife may not double)
-Burial funds
-Funds held in escrow
-Health aid
-Jewelry, heirlooms, & art to $6,075 total
-Personal injury & wrongful death recoveries needed for support; if receiving installments, at least 75%


-Disability or health benefits
-Fidelity bonds
-Fraternal benefit society benefits
-Fraternal unemployment benefits
-Homeowners' insurance proceeds for 6 months after received, to homestead exemption amount
-Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
-Matured life insurance benefits needed for support
-Unmatured life insurance policy cash surrender value completely exempt; loan value exempt to $9,700

Public Benefits

-Aid to blind, aged, disabled, public assistance
-Financial aid to students
-Relocation benefits
-Unemployment benefits
-Union benefits due to labor dispute
-Workers' compensation


-County employees
-County firefighters
-County peace officers
-Private retirement benefits, including IRAs & Keoghs
-Public employees
-Public retirement benefits

Tools of Trade

-Tools, implements, materials, instruments, uniforms, books, furnishings, & equipment to $6,075 total ($12,150 total if used by both spouses in the same occupation)
-Commercial vehicle to $4,850 (doubled if used by both spouses)


-Business or professional licenses
-Inmates' trust funds to $1,225

System 2

Home, Auto, Personal Property

-Real or personal property, including co-op, used as residence to $18,675; unused portion homestead may be applied to any property
-Motor vehicle to $2,995
-$1,000 of any personal property
-Animals, crops, appliances, furnishings, household goods, books, musical instruments, & clothing to $475 per item
-Burial plot to $18,765, in lieu of household
-Health aids
-Jewelry to $1,225
-Personal injury recoveries to $18,675 (not to include pain & suffering; pecuniary loss) -Wrongful death recoveries needed for support
-Implements, books, and tools of trade to $1,875

Insurance -Disability benefits
-Life insurance proceeds needed for support of family
-Unmatured life insurance contract accrued avails to $9,975
-Unmatured life insurance policy other than credit

Public Benefits

-Crime victims' compensation
-Public assistance
-Social security
-Unemployment compensation
-Veterans' benefits


-ERISA-qualified benefits needed for support

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