DebtWave Credit Counseling, Inc.

DebtWave Credit Counseling, Inc.

Reviews Summary

Customers overwhelmingly praise DebtWave for effectively reducing credit card debt through lower interest rates and manageable payment plans. Many highlight significant savings, with some cutting repayment time from decades to just a few years. The service is frequently described as professional, transparent, and supportive, with excellent customer service. A few note minor inconsistencies in communication, but most express high satisfaction, calling it a lifesaver and highly recommending it for debt relief.

About This Listing

Tax Preparation
Tax Planning
IRS Representation
Budgeting
Financial Advisory
Small Businesses
Individual Taxpayers
Non-profits

Who Can Work with a CPA?

Individuals seeking tax prep, retirement planning, or financial advice
Small business owners needing bookkeeping, payroll, or tax compliance
Freelancers and contractors with 1099 income or complex returns
Couples planning finances together or managing joint returns
Investors with capital gains or rental property income
Anyone looking for year-round financial guidance and peace of mind

*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*

First-Time Clients

If this is your first time working with a CPA, don’t worry — most professionals offer a free consultation and will walk you through what to expect. You may be asked to complete an intake form, share financial documents, or set clear goals for your session.

What to Know Upfront:

Documentation Bring your most recent tax returns, income details, and any financial concerns
Availability Appointments fill up quickly during tax season — book early if possible

*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*

What to Bring

Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

*Tip: Organize your documents in advance to save time and ensure accuracy.*

Preparing for Your Appointment

Write down any financial goals or questions in advance
Check if your CPA offers virtual sessions or document uploads
Bring a notebook or use a notes app for key takeaways
Know your deadlines for filing, payments, or compliance

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How to Get Started

Use our directory to find highly reviewed CPAs near you. Reach out directly to schedule your consultation.

Other Helpful Info

Many CPAs offer both in-person and remote consultations
Fees may be flat-rate, hourly, or based on service complexity
Some CPAs specialize in industries like healthcare, real estate, or tech
Check for client reviews and credentials (CPA license, EA, etc.)

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Features

Tax Preparation
Tax Planning
IRS Representation
Budgeting
Financial Advisory
Small Businesses
Individual Taxpayers
Non-profits

Contact Information

Address

500 La Terraza Blvd Suite 150

Escondido, California 92025

Hours

Sunday Closed
Monday 6AM-4PM
Tuesday 6AM-4PM
Wednesday 6AM-4PM
Thursday 6AM-4PM
Friday Closed
Saturday Closed

Customer Reviews

Debtwave Credit Counseling is an awesome tool to use if you are in need of reducing your credit and helping you become debt free. They offer a range of service, but the Debt Managment Plan is truly a life saver and has help our family reduce high-interest rate cards to as low as 3%. I was referred to them from a financial advisor and they have been great. Easy to work with and started saving over $1000 per month in the first month. If you're in need this service is amazing, and the people have all been very

These people are truly outstanding. I?ve worked closely with Holly Love-Meyers who has always gone out of her way to listen, understand my situation, and do her best to negotiate on my behalf. These people run a legit operation and deserve praise for what they do. With DebtWave I have managed to wipe out some $1500 of excess interest payments which now go to paying off debt, and my credit score has actually improved by 50 points since starting a DMP with them. The only recommendation I have for improvemen

Debt wave has been an amazing help to me. This is actually the second time I have used them. Communication is spot on, the emails and tools they offer are helpful, and my credit doesn't drop at all, sometimes life gets you by the seat of your pants, they are here to help with great support.

If you're struggling with debt this is the place to go to for help. They did a complete review of my finances and designed a plan for paying off credit cards with sky-high interest rates. I'm saving a huge amount of money with the plan. The people I worked with held my hand through the entire process, clarifying and reassuring me whenever I was overwhelmed. Highly recommend.

For those who might feel hesitant, look no further to consolidate your "overwhelming" debt and have your interest rates significantly lowered with DebtWave. I promise you, you will not be disappointed, so what are you waiting for? Make the call today and get your finances back in order. Fyi, I am very serious... you will be glad you did, just as I am ????

I found DebtWave while I was researching ways to manage my debt. For years, I felt like I had been overwhelmed by it and I finally wanted to be rid of it once and for all. I?m so glad I found DebtWave before pulling the trigger on signing up with a debt consolidation company. DebtWave does things differently. They won?t tank your credit score or try to get you out of paying off existing debt. They will work with creditors to lower your interest rates and will even send the payments for you every month. Wi

Crystal at Debtwave is doing amazing job helping us and she continues follow up & contacting us to review our bill statements that we receive each month and she is a bridge between us and creditors! At the end we are very happy with Debtwave team!

I was drowning in high interest credit card debt, student loan, and daily living expenses. Stressed working paycheck to paycheck, until I was referred to this wonderful debt counseling service whom thoroughly assisted in changing my financial life. Now, I am saving I have low APRs and a higher credit score. This has been a magnificent experience. I highly recommend this company to anyone that wants to consolidate their debt and have peace of mind the mental clarity of knowing where your money is going. You

They've been handling my account for about 6 months and they've been great. They explained everything in advance and made sure I understood the whole process. They made sure I had everything set up so that the payments are taken out automatically. I know that I can reach out to them at any time if I have any problems. The staff I spoke with were understanding and knowledgeable as well as friendly. I never felt bad for having debt.

What a wonderful solution to get out of debt without permanently damaging credit. If you're struggling with bills and on the fence about this, just do it! This program STOPS THE BLEED and helps you recover financially! The workers are professional and friendly. They explained everything and helped me pay debt off the smart way. I'd highly recommend DebtWave.

I spent a lot of time looking into different ways to manage my debt and this company by far made the most sense for my situation. It?s affordable, the people really care and want to help. They?ve simplified my debt and made it manageable for me which takes a lot of stress off my shoulders. Thank you to the team over at Debt Wave. I?ve referred some friends to them and will continue to do so.

Overall a pretty solid company once you get in. However, they are not fully accepted by everyone and they do not gather all the proper balances before you giving you a quote. But once you are in, they do cut interest rates and help you pay off faster. I would recommend it to others.

DebtWave has been handling my account for 6 months now and the results have been excellent to date. They have handled everything as promised and on time and it's great to see those CC balances shrinking every month. If you are running behind on CC pmts and those high interest rates are killing you, you should give DebtWave a try and then stop worrying and enjoy life again!

Excellent highly professional company. Preserve much of your credit score by choosing this company to consolidate your debt.

Very helpful! They worked hard to negotiate with lenders to save money in interest and get accounts current

I was drowning in credit card debt, along with every day living expenses, it was just to overwhelming. Debtwave became my road to freedom from debt, and gave me the learning tools to help me stay on that road. Thank You Debtwave.

I am one of those individuals that was not sure about debt consolidation. I was totally new to it and did not really understand how this whole program works. For starters, trusting someone over the phone to work with your creditors on your behalf is something you have to put a lot of trust in. The first two months is a little rocky. After two months all my creditors have approved the lower interest rate and monthly payments that debt wave has requested. Most creditors approve rather quickly where some

DebtWave was so helpful and trustworthy the first time we used their services that we have used them a second time, and have recommended them to other people.

I'm so grateful I found DebtWave. They did a very thorough job of reviewing my finances with me, they were very kind, respectful and helpful. It was a wonderful experience and my overall anxiety about my finances is long gone!!! It's nice dealing with an organization you can trust verse everyone trying to take advantage of you with overpriced consolidation loans or loans with high APRs.

Debtwave has been great! They have been helping me for the past 6 months. Before finding them I was contacted by a different company that would have ruined my credit. Debtwave negotiated with my creditor for a lower rate and was able to reach an agreement with them so that I never had to slow pay the way the other company wanted. Now I'm on a solid track to pay my debt off and when it's done I should have perfect credit! ??

I feel fortunate to have paid-off my debt with the help of DebtWave. I understand we all have different experiences with customer service, but that was my determining factor/reasoning behind 4/5 rating.Customer service was inconsistent both via telephone and email. Great outlet for someone trying to get their credit back on track. I would recommend being on top of it if you decide to use them because they were very inconsistent as previously mentioned.

We were nervous to use a debt Counsellor g service, but we are so happy and stress free that we did. Debt wave were friendly, knowledgeable and very helpful. They negotiated our interest rates and we have saved thousands of dollars. We are now debt free and it?s a huge relief. Our credit score wasn?t dinged, in fact it increased . We are very happy customers of debtwave!

DebtWave has been very helpful in helping me pay off my credit card debt. I'm very satisfied with their customer service and how they keep me informed on when and how my credit cards are being payed down . I'm glad I took the plunge and decided its time to get out from under credit card debt and quit paying high interest and not getting anywhere on paying them down.

I am a single mother of two. I was googling trying to find the perfect credit counseling program so that I could better help my family financially and I came across DebtWave. I absolutely love their customer service. I decided to go with a counseling company because I was not disciplined to pay bills in a timely manner. After using them, I have lowered my monthly payment and will be out of debt in the next year, if I continue to make all of my payment. Thanks DebtWave for helping me to pursue my financial g

I have been very pleased with Debt Wave. From the initial inquiry the staff was very helpful and patient. The staff is very knowledgeable and dependable. The customer service has been very responsive to questions or concerns. Have dealt with other debt companies and Debt Wave is so much better.

In a world of uncertainty, Debtwave has helped tremendously. Most reconciliation companies do not pay your creditors off. They make deals with each one for cheaper amounts, which does reflect negatively on your credit, but not DebtWave! Some companies may give cheaper interest rates but your debt gets paid in full. By far, the best decision I've made in the last year! Thanks DebtWave!

DebtWave has been extremely helpful in getting my debt paid off. The staff is extremely helpful and knowledgeable. They made sure I understood everything for every step. They made it possible for me to see that I could get out of debt.

I am so appreciative that DebtWave is helping me get out of debt. I am one of the people that was concerned about allowing a company to help me get out of debt. I AM SO THANKFUL I WENT WITH DEBTWAVE. They have been very kind, understanding, helpful, informative & patient with me. I had alot of debt ?? and needed help. I saw an ad in the mail for DebtWave, prayed about it and called and they have been helping me ever since. I am almost out of debt now (thanks to DebtWave ??) and I couldn't be happier. The

I was more than a little skeptical about using a credit counseling service, but after some research I decided to give DebtWave Credit Counseling a try. Customer service has been excellent, and after 6 months I could not be more pleased. I am anxious to get totally out of debt, and with their help I am succeeding. They keep me posted monthly on my progress, and I love that!!

I had made a lot of strides on my own with my credit card debt, but the interest was just killing me. All my payments were on time and I made enough money to pay all the minimums, so bankruptcy didn't make sense. I tried to request lower interest myself, but none of my cards were interested. I had no idea Debtwave existed until I told a consolidation consultant that I wished I could just close my accounts, lower the interest and pay one monthly payment. I didn't need a settlement offer or consolidation loan

Debt Wave has been so helpful for my and my family reduce our credit card debt. They make it very easy with one monthly payment, and super customer service. This is our second time using them. I would use them again and again. I have even had friends use them to pay off their credit card debt. Wonderful company!

The confusion of paying multiple debts at high interest rates has been resolved using DebtWave. They helped us pull all of our information together and got us lower interest rates with a fixed monthly cost. Thank you DebtWave! They care about helping people, and we've always gotten answers when we needed them. We are very happy with them, and our creditors are still talking with us!

Since I?ve been with DebtWave it?s helped me so much not just reduce my debt also I see an increase on my credit score due to their help customer service is great!!! Every time I made my payments I check if they pay my creditors and they do!!!!! I definitely recommend using DebtWave it?s a great way to consolidate your debt at a much lower interest rate and get out of debt faster! ??

I work during normal business hours and they work with me. We promptly communicate back and forward via email which works out very well for me. Chris has communicated and worked with all of the accounts and it as worked out pretty well. They are very flexible and understanding. I have had them work with me for six months and have seen a lot of success. They are very transparent every step of the way and have a very user friendly portal to track the progress of everything. They get an A+ in my books. I'm v

Wonderful company with very helpful employees. Whenever I had questions, they responded promptly. I don't think I could've paid down my credit card debt and raise my credit score as quickly as I did without their help. I recommend them to anyone needing help getting out of debt.

Love working with DebtWave Credit Counseling! I didn't know where to turn to get control of my debt and I am so glad I found this company! Super easy to get started and they are helping me pay off me debt using their simple process!

I am so very thankful for the service and benefit that I have received from DebtWave in my efforts to eliminate my credit card debt... I could never have achieved such a level of success in such a short amount of time on my on accord... and their customer service is excellent too! I would recommend DebtWave to anyone who is serious about becoming financially solvent.

My experience with the team of highly trained employees at Debtwave Credit Counseling has been exemplary! From the very start I was impressed with how detailed and attentive and sincere everyone was. I have to say from the initial interview to actually setting up my Debt Management plan I have felt that I made an excellent decision to enroll into their "Debt Management Plan"! Now that 6 months have passed I know even more that I made a sound and positive decision to get my "Personal" debt in check and ultim

Having one payment for all of my unsecured debt and loan payments has really helped my family. DebtWave was able to renegotiate rates with companies such as Discover card that had jacked my rates up to as high as 24.99% even though I had 1) never missed a payment and 2) had over a 700 credit score. My rate with Discover is now 6.99% and they had similar negotiations with other creditors. Thanks to DebtWave, I will have all of our debt paid off in a little over 3 years as opposed to 37. What a relief!

DebtWave has been a life saver. They helped me take my life back and gave me peace of mind, something that is completely priceless. Every representative is very kind and understanding. When I made the choice to start paying off my debt, I was so overwhelmed and someone suggested a debt management company. I did research and looked them up through the BBB and liked what I saw so I called them. One phone call later, I felt like the weight of the world was off my shoulders. I still had to work at it, but

I have been with DebtWave six months and it's has been great. I see the progress of my accounts being reduced and that is awesome. My rep keeps me informed on what is going on. Working with this company has been ideal.

Debt Wave has been a lifesaver. Life is much easier now and the pressure is gone. They are very nice people, and the program really works.

The staff is unbelievably helpful and takes the time to explain all the steps. Before using DebtWave I felt like I was paying my credit cards, but the balance never went down. Now with DebtWave, I actually see my balances going down on my cards. Thank you!

Joining Debtwave Credit Counseling Inc was one of the best decisions we have ever made. We are actually going to be out of debt very soon and are very excited! Excellent customer service, and almost 2 years completed and no problems at all. I would highly recommend Debtwave to anyone! Thank you!

DebtWave Credit Counseling helped me figure my way out of debt. They called the credit card companies and negotiated better interest rates, locked in a monthly payment. I kept up and am nearly debt free. I am very thankful for their help. They are efficient and friendly.

DebtWave literally saved my life. I am 73 and I was (am) thousands of dollars in credit card debt. I closed out nine credit cards and kept three. They take a set amount out of my checking account each month to pay the nine cards and they were able to get the monthly interest rate lowered by an incredible amount. It would have taken me 34 years to pay off the amount of debt I had with these cards and the interest buildup I had on the cards, but with DebtWave it will take three years. I highly recommend

Debtwave was recommended to me by a friend, and at first I was skeptical. I didn't expect to have such a big balance on my credit card, but had some necessary medical expenses. I thought I could pay most of it off by the end of the promo no interest period. The pandemic hit, my hours at that job were reduced, and no matter how much extra I paid, it didn't seem to put a dent in the interest. I was getting nowhere fast. After some research, I did call Debtwave. About six months later, I see my balance continu

Debtwave has been a great program for me and my wife, just what we needed. We got in over our heads in debt and when we found out about Debtwave we were very excited to get a second chance to get our debt paid off. We have been on the program for several months now and have made a significant dent in our debt, not only that but they made our minimum payments and interest more affordable for us while still paying the full debt off, so we don't have to worry about lawsuits or creditors calling us. They make a

I couldn't be happier with the experience and service I have had and received from DebtWave CC. The advisors took a great deal of time explaining and walking me through the process and the fee they charge is nominal. They lowered the interest rate on the CC's I signed up with them and they make one payment ea month. It is terrific and I highly recommend them!

This review is late in coming. I do apologize. But I haven't met a group as professional like the guys at Debtwave. It's almost unbelievable that they do exist. They eased my personal debt burden. Call them! Don't hesitate. You won't regret it! Call now.

This is a first class operation. They are efficient and very customer focused. They have a great dashboard and always do exactly what they say they will do. They feel like a much bigger organization. And they really helped me!

Very easy to work with. They were able to re-negotiate my interest rates on my cards. All but one credit card company would work with them. Their website is easy to navigate. I should have my debt completely paid off in 3 years.

Super helpful from the beginning. Great customer service. I love how personalized they got with me. Always checking in via email or phone call, well mot always but more like twice a month. Easily accessable when needed to contact them.

I made the right decision in signing up with DebtWave. The lower interest rates to pay off my credit card debt make a big difference to me. I did not know to expect that some credit scorers now see me as using 200% and more of my available credit, as the balances are still reported but the credit accounts are closed. That doesn't matter to me, though.

Utilizing DebtWave's services was the best decision I could have made to get my finances/debt in order. I now see a light at the end of the tunnel. My suggestions to those who use this service are make sure you send them in an email your complete list of credit card names and account numbers along with the name as it appears on the card. I know it sounds obvious, but if you have a number of credit cards, often your name appears differently on some of them. It was tough in the beginning to not have credit ca

Great experience with DebtWave Credit Counseling so far. They have provided me with great courteous customer service. I am sleeping much better knowing that I am more than half ways in paying off my debt.

They have helped us in 2 different debt consolidation instances in the last 9 years. I feel the customer service was much better the 1st time around (2007), especially with their effort of trying to get us the best rates & lowest payments possible. This time around (2015) I felt the rep was more judgmental and less helpful.

Detbwave has allowed me to get back on my feet with my credit cards. i love the automatic payments and the email reminders about the upcoming payment. I feel like i can call or email at any time and reach someone and be assisted & that is comforting when it comes to finances.

I am working with Debtwave and am very satisfied to the simplicity of the program. The documentation process was easy and I'm grateful to this organization in getting me back on track with my financial health.

I was only able to pay the minimum monthly payments on my credit cards and always felt like I was sinking in debt. Then I called Debtwave which was recommended by my friend, who had just recently successfully completed her own program with them. She was out of debt and burden free. I wanted to get there too. Debtwave made everything so easy. They supported me through all the steps to setting up my own personal, managable program. Now I'm watching my debt go away and feeling my own stress being lifted. I wis

Debtwave is legit. I?ve been on the program for six months and Im finally paying down my debt with their help. They negotiated hella low interest rates on my credit cards (from 24% APR average down to 9% APR average) And now my monthly payment is only $350 for all my 6 credit cards (including Debtwave?s cut) that have over $12,000 in debt. And I?ll be debt free in only 3 years with only the minimum payment on my cards. Debtwave is hella legit. There?s seriously no pressure It?s seriously almost too good to

I was hesitant to apply but am so glad I did ! I consolidated all my debt and make one payment a month. Christoper Munoz was very professional and really easy to work with. I am a happy and my anxiety has gone down. If you are considering... do it !

A year ago I had no idea how I was going to get out of debt. Luckily I did my research and found DebtWave Credit Counseling. I have been working with them for about a year and I am beginning to see a light at the end of the tunnel. I am so looking forward to being debt free again thanks to them. I have recommended them to others and I will continue to do so in the future.

I have been with Debtwave for 6 months. I couldn?t be happier. I am knocking off credit card debt like crazy. The people I work with are really nice and would recommend this service to anyone.

DebtWave has been a great company to work with. They explained the process which really helped to ease my worries. Very efficient customer service and available to answer all my questions.

I had so much debt from college and living expenses that I was overwhelmed and sometimes left with only $5 in my account, the services that debtwave give are amazing. They go through all your expenses see where money can be used more antiquate, and goals to set on expenses towards living. They then go through time frame you are looking at, and the process of them contacting credit companies. They have helped me budget and be able to pay my debt off and live.

I am a single mom, about a year ago I research debt consolidation and found Debtwave. I am so glad I need it is nice to be able to make one payment a month which goes toward all my debt. And its even better when you see you debt going down because they were able to lower your interest rates. Once you get yourself in debt it is hard to dig yourself out and Debtwave helps you do that.

I really love this program. Covid put a strain on all my accounts, and DebtWave has enabled me to see daylight. What I likenost is the date certain for being paid in full.

Lifesavers! I began using them after my family member successfully completed their program. Each person I spoke with was very polite, professional, and knowledgeable. The entire enrollment process was very easy and fairly quick. Everything was explained in detail and all of my questions were answered to my complete satisfaction.

Debt Wave is very professional in helping you negotiate with the creditors. Debt Wave was successful in meeting a desirable monthly payment for my debts. They do what they say they can do.

I am very happy with DebtWave. I have had no problems when contacting them. Anyone wanting to get out of debt, I would definitely refer them as an option.

They are very helpful and very nice. Customer Service Reps Rock. They have helped cut my credit card payments by 5 years. I don't think I cld make all the payments without their help. Thank you for your help DebtWave.

My experience with Debtwave has been nothing but positive. Their were some medical bills that they were unable to help me with but they were very persistant in an effort to get them to cooperate. I am very thankful for their services.

They are great, they have been very attentive with all of my needs. They also have been in constant contact with me by my preferred method of communication(email), and my debt has lowered substantially, thank you debt wave

So far I have no problems with my debt wave program and my representative is very communicated with me through via email which is better for me. I will give another review when my program is complete.

Referred by outstanding agency. Very thorough in explaining and understanding your needs and concern. Very Outstanding Agency

Customer service is wonderful and they do respond quite well. They were great to interreact with (I can get pretty stressed). No run around.

The staff Debtwave has been working tirelessly to help me get my credit accounts together helping me get a better interest rate to pay them off in one lump sum monthly payment. Thanks Debtwave!

Debtwave cut my interest rates in half and I will be able to pay my law school credit card debt with a low monthly payment, in half the time and while accumulating a significantly less amound of interest. Very happy with the program so far!

I am 4 months into my counseling and I couldn't be happier. The people Ive worked with in this company have been so helpful and friendly they are literally taking what would have taken 15 yrs to pay off and making it into 3 and a half yrs. I am very satisfied. Thank you.

Awesome service always someone there happy and helpful when you call on the phone. They do an excellent job I'm almost done with all my credit card bills. I would highly recommend them to anyone!

I am so pleased with my experience with Debt wave. My worries are gone on how I was going to pay off my debt. A big burden has been lifted.

DebtWave has been a wonderful resource for me and was able to literally save me THOUSANDS of dollars through consolidating my credit cards and almost completely eliminating my APR. Thank you DebtWave!

These folks really do go the extra mile to help. I really do appreciate the friendly people there. when I was against a wall, they gave me a way to deal with my situation that was win, win, and win. For me, them, and my creditors. Thank you for being legitimate and going above.

I have a great experience with debtwave counseling. Saving me a lot and putting cash back into my pocket. I am glad i made this smart decision and choose debtwave credit. Thank you

I love everything about them, they have helped me so much. I was very skeptical at first even thought a friend had used them. But i have only 2 years to pay everything off and i couldn't be happier!

Thank you very much! Debt Wave has been so helpful and have helped me reduce my credit card debt by reducing the interest rate on the credit cards and helped me save years of payments.

They have been great for me. All of my credit card creditors accepted the proposal of lowering the interest rates. I am going to try my students loans

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Look for a Certified Public Accountant (CPA) license, which ensures they’ve passed rigorous exams and meet state requirements. Check for relevant experience in your industry, additional certifications like CFA or CMA, and membership in professional organizations like the AICPA. Verify their credentials through state licensing boards.

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