Settle Your Debtfor Less Than You Owe
If you are drowning in payments, there is a way through that is not bankruptcy.
One affordable monthly payment, and a real Bakersfield team negotiating for you.
Debt settlement is not right for everyone. It may affect your credit, involve continued collection activity, and forgiven debt can be taxable. Results vary and are not guaranteed. Mesa Group Consulting is not a government program, and this is not legal or tax advice.
Is Debt Relief the Right Move,or Is It a Loan You Need?
These are different tools for different situations. We would rather point you to the right one than sign you up for the wrong one.
Debt relief may fit
For people who genuinely cannot keep up. We negotiate to reduce what you owe, so you pay back less than the full balance over time.
- You are truly struggling to make the payments
- At least $10,000 in unsecured debt
- Cards, medical bills, and personal loans
- You want to avoid bankruptcy
A consolidation loan may fit
For people who can afford their debt and just want it simpler. One new loan pays off the rest, so you make a single payment, ideally at a lower rate. It protects your credit.
- You can keep up, it is just messy
- You want one lower monthly payment
- You would rather protect your credit
- Decent to fair credit and steady income
Not sure which is you? Call us at (661) 310-3040 and we will help you decide honestly.
A Clear Path, One Payment at a Time
You pay nothing until a debt is actually settled.
Free consultation
We look at your full picture together and tell you honestly whether debt relief is the right path. No pressure, no obligation.
One monthly deposit
Instead of many payments, you set aside one affordable amount into a dedicated account that stays in your control.
We negotiate settlements
Our team works with your creditors to settle for less. Settlements are paid from your account as they are reached.
You move forward
As debts resolve, the weight lifts. When you finish, our credit team can help you rebuild.
See How the Program Could Help
Move the slider to your total unsecured debt for an illustrative picture. Your real number comes from the free consultation.
Roughly this much less than the full balance, before fees
$12,900
Illustrative only, based on a sample settlement of about 43 percent off before fees. Actual settlements vary by creditor and are not guaranteed. Program fees apply and are charged only as debts are settled. Debt settlement may affect your credit, and forgiven debt can be taxable.
Pay Back Less, With Your Eyes Open
On average, clients settle enrolled debts for 30 to 50 percent less than they owe, around 43 percent before fees. On $30,000 of debt, that can mean settling for $15,000 to $21,000 including fees. Your results depend on your creditors and your debts, so we give you a personalized estimate before you decide anything.
What we tell you upfront
Debt relief is powerful, and it is not free of tradeoffs. We would rather you hear this from us than find out later.
- Your credit usually dips during the program, because you pause payments to creditors while we negotiate.
- Creditors can keep contacting you, and in some cases pursue collection, until a debt is settled.
- Forgiven debt can be treated as taxable income, so plan for it and check with a tax professional.
- It takes time, typically 20 to 48 months, and results are not guaranteed.
A Real Team on Your Side,Not a Call Center.
We are a local credit consulting firm, which means our job does not end when your debts settle. We help you get through the program, and then help you rebuild what it cost you.
No upfront fees, ever
You pay only as debts are settled. We explain every fee before you enroll.
Honest guidance first
If a loan is the better tool, we will say so. See Debt Consolidation. Prefer to DIY? Start with our free debt validation letter.
A local team you can visit
A real Bakersfield office, in English, Spanish, and Punjabi.
Honesty You Can Check.People You Can Visit.
We tell you the hard parts before you sign anything, because the trust is the whole point.
Serving Bakersfield and Kern County since 2023, in English, Spanish, and Punjabi, from a real office you can visit.
Leave us a Google review"I was buried and felt like there was no way out. They laid out a real plan, and for the first time in years I could breathe. The weight is finally lifting."
Julian M.
A clear plan after feeling stuck
Bakersfield, CA
"I tried to handle it on my own for two years and got nowhere. With Mesa, things actually started moving in just a few months."
Alex M.
Progress in months, not years
Bakersfield, CA
"They were honest with me from day one, even about the hard parts. That is why I trusted them, and I am so grateful I did."
Loveleen S.
Honest guidance she could trust
Bakersfield, CA
Results vary and are not guaranteed; savings and timelines depend on your creditors, debts, and completion of the program. Debt settlement may affect your credit and forgiven debt can be taxable.
Debt settlement is not right for everyone. It may affect your credit, involve continued collection activity, and forgiven debt can be taxable. Results vary and are not guaranteed. Mesa Group Consulting is not a government program, and this is not legal or tax advice.
Common Questions.Honest Answers.
Everything you need to know before you decide.
You Do Not Have toFigure This Out Alone.
The consultation is free, confidential, and there is no obligation.
We will tell you honestly whether debt relief is right for you.
Or call us: (661) 310-3040
🇪🇸 Hablamos Español · 🇮🇳 Assi Punjabi Bolde Haan
Debt settlement is not right for everyone. It may affect your credit, involve continued collection activity, and forgiven debt can be taxable. Results vary and are not guaranteed. Mesa Group Consulting is not a government program, and this is not legal or tax advice.