Debt Relief Programs in Each State | Pacific Debt Relief (2024)

Reduce Credit Card Debt By Up To Half

Pacific Debt Relief offers the only solution that significantly reduces your debt to less than you currently owe. That means you get debt-free in a fraction of the time it would take with other options. Save thousands by lowering your debt balance and wiping away years of future interest and payments.

Call us today for a FREE consultation!

Debt Relief Success Stories

At Pacific Debt Relief, we take pride in empowering our clients to regain control of their financial lives. Our success stories are a testament to our dedication and expertise in providing effective and compassionate debt relief services. We believe that everyone's debt story is unique, but the common thread is the relief and freedom that comes from successfully managing and eliminating debt.

Real Stories, Real Success

The path to financial freedom is rarely a straight line. It's filled with twists, turns, and sometimes a few setbacks. But with determination and the right guidance, it's possible to navigate this path successfully. Our clients' stories are proof of that.

In this section, you'll find video testimonials from individuals who have worked with us to significantly reduce their debt and ultimately achieve financial freedom. They've experienced firsthand the relief that comes from having a manageable payment plan and seeing their debt decrease month after month.

These are real stories from real people who were once in your shoes, struggling with overwhelming debt and feeling like there was no way out. Their stories are not just about the numbers, but also about the emotional burden lifted and the new opportunities that financial freedom has provided them.

Your Debt Relief Journey Starts Here

We hope these stories inspire you and give you hope that a brighter financial future is possible. Remember, the journey towards debt freedom isn't a sprint—it's a marathon. And like any marathon, it starts with a single step.

Ready to take that first step? Contact us for a free consultation and start your own success story today.

Our Debt Relief Program

Are you overwhelmed by mounting debts and seeking a reliable solution? Look no further! Pacific Debt Relief brings you an unparalleled debt relief program that can help you regain control of your financial future. Our comprehensive debt relief programs are designed to address your unique circ*mstances and pave the way to a debt-free life.

Why Choose Our Debt Relief Program?

1. Experienced Professionals: With years of experience in the industry, our team of seasoned experts possesses the knowledge and skills to negotiate with creditors on your behalf. We strive to reduce your debt burden while safeguarding your financial well-being.
2. Proven Results: Our track record speaks for itself. Countless individuals have benefited from our debt relief program, achieving significant reductions in their outstanding debts and regaining financial stability.
3. Client-First Approach: At Pacific Debt Relief, we prioritize your interests. Our client-first approach means that your financial goals are at the forefront of every decision we make. We work tirelessly to provide you with a hassle-free experience throughout the debt relief process.

Get Started Today

Take the first step towards a debt-free future. Contact us now to schedule a free consultation with one of our debt relief specialists. Our dedicated team will assess your financial situation, explain the available options, and guide you towards the most suitable debt relief program tailored to your needs.

Debt Relief Program Service Areas

The program is offered in multiple states across the U.S, and the website provides information on each state's statute of limitations, protections against creditor harassment, and general debt statistics. As you look through the list of states, we at Pacific Debt Relief have included information about each state’s statutes of limitations, additional protections against harassing creditors, and general statistics that may explain how easy it is to get into debt in your state.

If your state is not listed, Pacific Debt Relief is not able to help you directly. However, if you give us a call, a debt specialist can refer you to one of our trusted debt settlement companies.

Our debt relief program is available in the following states:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming

What outstanding debt can Pacific Debt Relief help with?

Pacific Debt Relief can help with unsecured debt like credit card debt, utility bills, medical debt and other consumer debt.

Debt Relief Programs

If you have spent any time searching for debt settlement companies on the internet you know there are many options. Before you select a debt relief program, do some investigation on not only your options but on how reputable your possible debt relief company is.

You’ll want to look for in a debt relief program:

• Accreditation with BBB, Consumer Debt Relief Initiative (CDRI), and the International Association of Professional Debt Arbitrators
• Good reviews with independent rating companies like TrustPilot & Google
• No upfront fees
• A dedicated account manager
• Longevity - how long has the company been in business
• Proven track record with common credit agencies
• Licensed in your state
  

Debt Relief Reviews: Pacific Debt Relief

Unlike credit counseling agencies or debt consolidation companies, Pacific Debt's main objective is to reduce your debt and monthly payments with its national debt relief program. Along the way, you'll learn to live debt free without utilizing unsecured loans, personal loans, or credit cards. If you successfully follow the Pacific Debt national debt relief program, you may be out of debt in as little as 2 to 4 years.

Pacific Debt Relief can help with various forms of unsecured debt, including credit card debt, utility bills, medical debt, and other consumer debts​​. The company is accredited by BBB, Consumer Debt Relief Initiative, and the International Association of Professional Debt Arbitrators.

To be eligible for the Pacific Debt Relief program, you must:

• Have more than $10,000 in unsecured debt (credit card debt, payday loans, debt consolidation loans, personal loan debt, medical bills, collections and repossessions, business debts, and some student loans). Unsecured debts are not backed by an asset.
• You are having difficulties making minimum payments on your unsecured debt
• Live in a state where we can do business.
  

What to expect from our Debt Relief Program

• One low monthly debt relief program payment is based on your budget
• May be able to resolve your debt in 2-4 years
• No upfront fees
• Personal attention from your assigned Account Manager and Certified Debt Specialist
• Develop a plan to pay off debt at a lower negotiated rate.
• Rated Best Customer Service & Support

Pacific Debt Relief Testimonials & Accolades

Pacific Debt is proud of our reviews and encourage you to check out what real Pacific Debt clients have to say about our debt relief services. Pacific Debt is also proud to receive top ratings from a number of independent ranking companies.

In addition to our debt relief customer ratings, Pacific Debt Relief is proud to be accredited by

• The International Association of Professional Debt Arbitrators
• The Consumer Debt Relief Initiative
• Better Business Bureau

In addition, the Federal Trade Commission, a government program, oversees debt settlement companies and debt consolidation companies and Pacific Debt Inc is recognized by them. Always check the accreditation of debt settlement companies!

Get Started Today! Best Debt Relief Program Steps

If you are ready to give our debt specialists a call, here is what you can expect to happen. Remember, we are on your side and we are here to help.

• Enroll with Pacific Debt Relief - get a free consultation
• Pick the best debt solution to your financial situation
• Enroll in Pacific Debt’s national debt relief program
• Put money into an FDIC insured Special Purpose account each month - you'll have 24/7 access online
• Your Account Manager will negotiate with your creditors
• Your Account Manager will contact you every few weeks
• Work towards being out of debt in 24 to 48 months!

Pacific Debt Relief is not for you if

• You want ONLY to improve your credit score or credit report
• You ONLY want significantly lower interest rates
• You can make more than minimum payments and have a good credit score
• Can not make a monthly payment into a savings bank account
  

Educational Resources

At Pacific Debt Relief, we believe knowledge is power. That's why we are committed not only to providing effective debt relief solutions, but also to educating our clients about the dynamics of debt and financial management. We want to equip you with the information and tools you need to make informed decisions about your financial future.

Our educational resources are designed to help you understand the intricacies of debt, the different types of debt relief options, and the implications of each option. Whether you're just starting your journey to financial freedom or you're already on your way, these resources can offer valuable insights and guidance.

Learn and Grow

Our Educational Resources section is a treasure trove of information designed to help you better understand and manage your financial situation. Here's a snapshot of what you can find:

1. Detailed articles on how debt settlement works: Get a step-by-step understanding of the debt settlement process, from initial consultation to final payment.
2. Comparisons of Debt Settlement Companies: Make informed decisions by comparing the offerings and performance of different debt settlement companies.
3. Tips and advice on managing debt: Find strategies for overcoming debt, including the do's and don'ts of debt relief.
4. Additional insights on debt relief options: Understand the various debt relief options available to you, and which might be the best fit for your circ*mstances.

Empower Yourself

We believe that education is a vital part of the debt relief process. By understanding your options and the potential outcomes of different decisions, you can take control of your debt and work towards financial freedom with confidence.

Explore our resources, empower yourself with knowledge, and take the next step in your financial journey with Pacific Debt Relief.

Pacific Debt has helped thousands of people reduce their debt. Since 2002, we've settled over $500 million in debt for our clients. Contact us today to see how we can help.

I work in insurance and my pay fluctuates each month, I’m not on a strict salary so my monthly income varies month to month. As a result it is difficult to manage my situation because I don’t know exactly how much is coming in …

Read Case Study

Location: San Diego, California

I am having a very difficult time paying the debt down while dealing with high interest rates and the balances.

Read Case Study

Location: Houston, Texas

In Dec 2011 I lost my job. I had zero debt at the time. I had to use the cards and my saving to stay afloat. I am now looking catch up on the debts on soon as possible. I am making payments but can only afford the minimums.

Read Case Study

Location: Miami, Florida

I’m going through a divorce and I have fallen behind on payments. I have reached out for assistance through debt settlement to pay off my accounts listed and avoid bankruptcy.

Read Case Study

Location: Norfolk, Virginia

Now with changes in our income and having a lot of things change in our household we want to get out of debt a soon a possible with a payment that will be more affordable.

Read Case Study

Location: Pittsburgh, Pennsylvania

I was in over my head with monthly payments on my credit cards and I began to fall behind. I reached out for assistance with my debt to pay off my credit cards and avoid bankruptcy.

Read Case Study

Location: Rochester, New York

I fell behind on my debts when I had to evict my tenants out of my rental property. I had to use the credit to keep up with the overhead. I am now looking to set a plan in place to resolve them as soon as possible.

Read Case Study

Location: Raleigh, North Carolina

Pacific Debt Relief is a national debt settlement company located in the United States and is a leader in the debt settlement industry. Located in San Diego, California, Pacific Debt Relief operates in roughly 49 states and Washington D.C.

Pacific Debt Relief offers certified debt specialists who specialize in the debt settlement process. We may be able to help you get out of debt in two to four years, depending on your financial situation. Pacific Debt focuses on settling unsecured debt like most consumer debt. That means you do not have to take out personal loans.

As long as you have more than $10,000 in enrolled debt, we can help you to eliminate debt. If you have secured debt or certain student loans, we can help you find a debt relief company who can help. Pacific Debt offers a free consultation to help you understand your debt relief options.

Pacific Debt is proud of our customer testimonials. As you read through them you'll see that practically all of them recommend Pacific Debt for both our debt settlement services and our award winning debt specialists that are here ready to help you.

While you search for the best debt settlement company, always look for accreditation with the International Association of Professional Debt Arbitrators and other accreditation agencies.

• Is Pacific Debt Relief legit?

  Pacific Debt Relief is an accredited debt settlement company recognized by such authorities as the Consumer Debt Relief Initiative.

  Located in San Diego, California, with a national debt relief program that is accessible to many people throughout the United States who are struggling with debt.

  Get a FREE consultation with no obligation.

• Does Pacific Debt Relief work?

  We've settled over $500 million in debt! Just read our customer reviews. Our debt negotiation services are top-rated! Call us for a free consultation.

• What is unsecured debt?

  Examples of unsecured debts include credit card debts, personal loans, and medical bills. Contrast this with secured debts, which are loans that are backed by some physical asset such as a home or a car.

  Click here to learn more about the difference between secured and unsecured Debt.

• How do you qualify for debt relief?

  To qualify for Pacific Debt Relief, you must have an enrolled debt of at least $10,000 in unsecured debt and live in one of the states that Pacific Debt services. Debt settlement is not for everyone.

  We offer a FREE consultation for immediate help!

• Are Pacific Debt Relief services worth it?

  If you do not like being stuck in debt, and you want to live debt-free, Pacific Debt Relief is worth checking out!

  If you are on the fence about working with Pacific Debt, read our Pacific Debt reviews page to see what our customers are saying about our debt settlement program.

• Are other debt relief companies legit?

  Many of them are but always check their accreditation and testimonials. Pacific Debt will refer you to other debt relief companies that we trust should our debt relief services not work for you.

• Can Pacific Debt help with student loans?

  Some student loans may be put through debt settlement. We will refer you to a debt relief company that can help with student debt.