How Much Should You Have in Savings Article Image

How Much Should You Have in Savings

Americans are generally great at spending money and really terrible about setting money aside for emergencies or retirement. Unfortunately, about 40% of Americans are one paycheck away from disaster. That means that a simple job loss, injury, or even car breakdown will leave a lot of Americans hurting and facing bankruptcy. Most Americans can’t pay off an unexpected bill of more than $1,000. And 36% of Americans have faced an unexpected bill of $5,000 or more in the last year.  Only 16% of Americans have saved more than $200,000 toward retirement while 22% have less than $5,000 put towards retirement. […]

Amazing Program – Excited About Being 100% Debt Free

Amazing program! I became a client last Sept 2019 and was extremely anxious about the process and what to expect. Julia was my client manager and has been very helpful. She is experienced, understanding, friendly and professional, always available. Since the beginning of my participation and enrollment I’ve felt supported by Julia. I can not thank her enough for getting me this far. I am excited and looking forward to being 100% debt free. Get Your Free Savings Estimate from Pacific Debt Today! Tamara February 14, 2020 Provided by Trustpilot Pacific Debt has helped thousands of people reduce their debt. […]

Pacific Debt Rated Best Debt Settlement Company of 2020

Pacific Debt Inc Rated One of the Best Debt Settlement Companies of 2020

Being named as One of the Best Debt Settlement Companies of 2020 is a huge honor and we at Pacific Debt, Inc. are proud to have earned that title from two different news rating agencies, Bankrate and US News and World Report.  Best Consumer-Friendly Experience Bankrate named Pacific Debt, Inc as the Best Debt Settlement Program for a Consumer-Friendly Experience. Bankrate based this rating on the fact that we at Pacific Debt, Inc provide an outstanding level of personalized service to our customers and we maintain an A+ rating from the BBB.  Our services start with a free consultation with […]

What's the fastest way to save money

What’s the fastest way to save money?

The fastest way to save money is to stop spending it. That is a lot easier said than done. But it’s not impossible. Let’s look at some ideas below to save money and squirrel it away for a greater need. Using some of these tips below can help you save money faster. Start Using a Budget One of the best ways to save money is from a budget. Track your expenses and create a budget for yourself. You need to know where your money is going and where you can stop or decrease spending it. You’ll find more details on […]

How To Rent An Apartment With Bad Credit

How To Rent An Apartment With Bad Credit

Most property managers or landlords require a security deposit, first and last month’s rent, a rental application, a credit check, and references. Before you start searching for an apartment to rent, take a look at your credit report. If your score is less than 620, you may have trouble renting a place. If you have a bad credit score or you don’t know your credit score, what can you do? Get Your Free Credit Reports You are entitled to one free copy of your credit report every year. You can request one from each of the big three credit reporting […]

Is it better to pay off debt or save money

Is It Better to Pay Off Debt or Save Money?

Maybe you just ran into a bit of money and you are wondering what to do with it. Should you pay off an existing debt at 25% interest? Should you put it in a savings account for 1% interest? Should you buy something you want? It can be a real tough decision. Let’s look at these options in more detail below so we can figure out the best place to put that money. Pay Off Debt If you focus on paying down your debt first, you are decreasing how much you pay in interest and potential penalties like late fees. […]

Can You Be Denied a Job Because of Bad Credit Article Image

Can You Be Denied a Job Because of Bad Credit?

Can You Be Denied a Job Because of Bad Credit?Credit scores can affect your ability to get a loan, rent or buy a house or car, or getting approved for credit cards. Did you know that having a poor credit score can affect your chances of getting a job? Almost every state allows employers to deny you a job because of bad credit. Some experts have found that there is a 1:7 chance of being denied employment because of a poor credit report.  What is a Credit Score? Your credit score looks at your debt, amount of debt, history of […]

Thankful to Pacific Debt for doing such a phenomenal job

My experience working with Pacific Debt over the past three years has been nothing short of easy and great! The Department Manager assigned to my case, Josh, was always there to quickly answer any questions I had, and made the process very streamlined and easy to understand. And what is even better, is that they were able to settle my debt within the time frame they originally projected years ago. I am so thankful to Pacific Debt for doing such a phenomenal job and helping me reach a better financial future, debt-free. Get Your Free Savings Estimate from Pacific Debt […]

Carol Recommends Pacific Debt – Such a Relief

The gratitude I feel for Pacific Debt, and for the service people who take the time to be sure you feel completely taken care of, has been such a relief for me. I would recommend Pacific Debt because of the service and their customer service to anyone. Get Your Free Savings Estimate from Pacific Debt Today! Carol C. January 23, 2020 Provided by Trust Pilot Pacific Debt has helped thousands of people reduce their debt. Since 2002, we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

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