Los Banos-Based Debt Services

Answer: Yes. You can do an Associate Debt Settlement in Los Banos California.

An associate debt settlement (or associate debt "relief") is when you have a close friend, relative, or third-party negotiate with your creditors to pay back only a portion of your debt(s).

This is a legal process that has a lot of advantages. By having your Merced County-based third-party (friend, relative, or professional) negotiate with your Los Banos creditors (banks, credit unions, hard money lenders, payday loan companies, title loan companies, etc.) you are removing most of the stress involved with the debt relief process.

Your Los Banos-based creditors are better off with an associate debt settlement as well because your associate is not burdened with the emotional aspects such as guilt and shame that go with overwhelming debt problems.

Answer: Yes. You can get a Tidy Debt Relief in Los Banos California.

A Tidy Debt Relief (or Tidy Debt "Settlement") is when you consolidate all your debt(s) with one Los Banos-based creditor (or one National creditor) and one form of credit. The form of credit can be an unsecured credit (for example of unsecured credit card) or some form of secured credit, such as a home equity line of credit, or a credit line secured with some sort of asset (car, RV, truck, property, etc.).

The way it works is this:

You pay off ALL your Merced County-based creditors (e.g. - utility bills, overdue rent, local telephone company, Los Banos-based department stores, small businesses, pay day loan companies, title loan companies, friends, relatives, used car dealerships, etc.) with the one main secured or unsecured credit form you chose above.

The advantages of your local Tidy Debt Relief process are as follows:

1) Almost ALL of your local Los Banos California-based creditors are paid off in full so you’re hurting the least number of creditors in your local area. The larger national banks such as JPMorgan Chase, Bank of America, Wells Fargo, Citigroup, U.S. Bancorp, Truist Financial, PNC Bank, TD Bank, Capital One are insured for all consumer credit charge-offs.

2) If, after you’ve exhausted all avenues of paying down your main national creditor, and can’t possibly pay them back in full, you can begin a debt relief (or debt settlement) process with them. By only having one creditor to “deal with” (negotiate with) you are dramatically speeding up your debt settlement process, while making sure our local Los Banos creditors are made whole.

3) By paying off (hopefully all) of your local Los Banos creditors with the money from your single creditor you’re stopping almost all of the collection agency phone calls. One creditor to deal with.

When you are at the stage where you’ve paid off all your local Los Banos creditors with the money from your one nationwide creditor we recommend you carry out an Associate Debt Settlement (see the F.A.Q. above).

Answer: No. You can’t go to jail for having unpaid debt in Los Banos California.

Los Banos California-based creditors can’t take your primary residency (if you own a home), your home contents, one vehicle, or any tools you need to earn a living with.

However, depending on your special circumstances, if you don’t pay child support, tax arrears, or court fines, there is a very slight possibility of doing a little jail time in Los Banos or somewhere in California. This is only in rare cases of egregious default.

So stop worrying about that, regardless of what any debt collection company tells you.

Answer: Yes. You can choose to ignore debt collection agencies in Los Banos California but you shouldn’t!

You should never ignore any snail mail, emails, texts, or phone calls from any creditor (National or Los Banos-based) because you DON’T want them to go to court and get a judgement against you. Don’t let it go that far.

If you get notices from any Los Banos California-based collection agency acting on behalf of a national creditor, respond ASAP. Get in front of it and start a negotiation if you can.

We know it’s stressful dealing with creditors so consider getting an associate to deal with your national and/or Los Banos-based creditors. See the What is Associate Debt Settlement and can I get one in Los Banos CA? FAQ above.

Answer: No. Debt collection representatives calling Los Banos California residents on their phones must do so between the hours of 8:00 AM and 9:00 PM. The only exception is if you give them permission to call you any time.

Answer: Debt collection representatives communicating with Los Banos California residents CANNOT:

--- Call you all hours of the day and night (see FAQ above).
--- Threaten you with physical violence.
--- Use foul or abusive language.
--- Lie about how much you owe.
--- Fake being a lawyer.
--- Fake working for the Federal Gov or California State Gov.
--- Claim you'll go to jail (see FAQ above).
--- Say they'll use legal action when they're not.
--- Claim you owe extra fees or interest on the actual arrears.
--- Contact your friends for family unless it's your spouse.
--- Contact you at work if your employer disallows it.

Los Banos CA-based banks, credit unions, community banks, and national bank branches have the strictest rules and regulations governing how they lend money (ANY money – not just for debt consolidation) so they are considered to be perfectly legit.

Los Banos California-based PRIVATE hard money lenders, subprime lenders, and title loan lenders must follow all FTC guidelines regarding lending and all California State usury regulations as well, BUT these hard money lenders tend to be the most susceptible when it comes to cutting corners, skirting the law, or using shady (questionable) tactics. See our California State usury regulations section near the top of this page entitled, “Understanding California Lending Law”.

To be on the safe side, no matter which Los Banos-based lender you apply for a debt consolidation loan with, be sure to read all their contract fine print carefully. If you can’t do that, at least find a Los Banos-based professional financial adviser or local Los Banos-based attorney to check the lender’s contract over.

The best Los Banos CA banks for debt consolidation are the banks that give you the lowest possible interest rate and APR considering your credit history and personal financial situation (income, DTI, etc.).

Your Los Banos-based community banks are generally easier to deal with when compared to any of the National Bank Branches with physical addresses in Los Banos. But keep in mind that your community banks are “FOR-PROFIT” companies, just like the National banks such as JPMorgan Chase, Bank of America, Wells Fargo, Citigroup, U.S. Bank, PNC Bank, TD Bank, or Capital One.

Your best bet when applying for a debt consolidation loan is usually with a NOT-FOR-PROFIT Los Banos California-based Credit Union. Even better…a Los Banos-based Credit Union that you’re already a member of.

Answer: No. There is no Freedom Debt Relief office located in or near Los Banos California that you can visit for walk in service.

Freedom Debt Relief is a national debt relief service. You can use their website to inquire about your debt settlement online, or use their phone number to contact them.

Freedom Debt Relief has two national administration offices. 1) San Mateo CA 2) Tempe AZ

Answer: No. There is no National Debt Relief office located in or near Los Banos California for walk in service.

National Debt Relief is a nationwide debt relief service. You can use their website to inquire about your debt settlement online, or use their phone number to contact them.

National Debt Relief has three administration offices. 1) NYC 2) Henderson NV 3) Culver City CA.