Couple struggling with bills

Not All Debt Consolidation Companies are Equal – 5 Important Question

Whether you are looking for help with debt consolidation, credit counseling or debt settlement, it is important to know that not all debt consolidation companies are created equal. What separates one company from another? Here are 5 important questions to ask when evaluating a debt consolidation company: How long have you been in business? Let’s face it, you don’t want to trust your money to an overnight start up and be some company’s Guinea pig.  At Pacific Debt, we have been helping consumers since 2002 and have settled thousands of debts representing hundreds of millions of dollars. Is the company […]

Your Guide to Debt Consolidation Loans

Many prospective customers call Pacific Debt in hopes of obtaining a debt consolidation loan to pay off their existing credit lines. During our initial consultation with clients, we review the fact that Pacific Debt is not a lender and therefore does not offer consolidation loans. Instead, we offer a program called debt settlement, which is a form of debt relief that does not require taking out a new loan. For more information, feel free to read and learn more about our debt settlement program. Criteria For Obtaining a Personal Loan For those of you who are looking for a loan, there […]

How to get out of your debt quickly

How do I get out of debt quickly without hurting my credit?

Each day our enrollment counselors at Pacific Debt are posed with this question: “How do I get out of debt quickly without hurting my credit?” The answer, unfortunately for most, is that there is no easy way out, and depending on the option you select, as well as your prior payment history, your credit may be impacted. The reality is that it took a long time to accumulate the debt in most cases, and it generally takes even longer to dig yourself out, due to the interest and fees charged by credit issuers. One of the fastest ways to get […]

Get Budget Help With Budget Apps

Debt Crisis Relief:  Changing Bad Spending Habits

Getting into debt is one of the easiest downward spirals any person can get caught up in. Everything in the western world is geared toward getting people to spend money and promotes consumerism. Furthermore, the ease of acquiring credit cards steers individuals toward spending money they do not have. The deck is stacked against consumers who cannot withstand the onslaught of credit cards, financing offers, and sales on expensive merchandise. Simply put, it is amazingly easy to get into an enormous amount of debt. On another token, one of the hardest things to do in today’s world is to get out of debt. […]

Get out of your debt by saving money every month

5 Ways to Save Money Every Month

Most people spend far more than they need to on things that don’t actually make any noticeable difference to their quality of life. Of course, there are obvious ways to start saving, such as eating out less, spending less on your hobbies and going on fewer vacations, but not everyone wants to sacrifice the things that they love most in order to start saving a bit of money for the future. Provided that you are not in a desperate state of debt already, now is a great time to start putting some money aside by cutting your monthly outgoings without […]

Erase credit card debt forever

“Erasing” Credit Card Debt

Since the great recession of 2008 many of us have had to rely on credit cards and other forms of unsecured debt just to get by. The heavy burden of too much debt can be overwhelming. Although it may seem that debt is a mountain too high to scale, it can be overcome. By following a few simple rules anyone can “erase” credit card debt forever. The first step on the road to debt freedom is to reduce one’s consumption by evaluating and changing your spending habits. It is a concept that is almost too obvious. Many people get into […]

Check your credit card report regularly

Why you need to check your credit report regularly

If you are in the market for a new home or a car loan, chances are you have already checked your credit report and credit score. You know how important good credit is to getting the lowest rate on those loans, but do you realize how important a good credit score is to other aspects of your life? The truth is it is important to keep regular tabs on your credit history and credit score, even if you are not in the market for a new home or car. There are a number of reasons why checking your credit report […]

Options for debt in a marriage

Debt in a Marriage: What Are My Options?

Marriage is supposed to be a beautiful thing, but sadly, so many newlyweds don’t know each other’s finances before tying the knot. If one spouse is entering the new courtship with a newfound debt from their partner, there are probably a lot of questions that need to be answered. To help you understand debt that comes from a partner after marriage, here’s what you need to know: Is it Mine, Yours or Ours? Every state has their rules when it comes to who owns what debt. One of the first questions that newlyweds have when it comes to debt is: […]

Three Things You Absolutely MUST Know About Credit Card Debt

Legislation has tightened the rules that creditors have to play by in recent years. However, even with these new laws on the books, debt collectors still regularly exploit consumers who don’t know their rights. If you’re carrying credit card debt, it’s important to know what the rules are regarding credit bureau reporting, interest and collections practices. 1) Debts Older Than Seven And A Half Years Should Not Be On Your Credit Report Under the Fair Credit Reporting Act, an account that has been charged off can only appear on a consumer’s credit report for seven years and 180 days from […]

The Dollars and Cents of Bad Habits

You know all of the compelling health reasons to quit smoking, drinking, or overeating, but somehow always manage to put it off “until next month” or “after the holidays.” In fact, if you’re like most people, you always have a reason to postpone taking a positive step toward improving your health. Instead of procrastinating, why not take a dollars and cents approach to cutting back? You’ll see immediate financial rewards which can be more motivating than you may think. By looking at your bad habits from a financial viewpoint, you’ll soon have more money in the bank – and improved […]

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