Pacific Debt Blog

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. […]

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 […]

pacific debt inc afcc certified

Pacific Debt Inc – American Fair Credit Council member since 2011

Pacific Debt Inc. has been an accredited member of the American Fair Credit Council (AFCC) since 2011. This means we have demonstrated the required business practices and standards required by the AFCC to display the AFCC seal. If you have over $10,000 in unsecured debt and need assistance, call us today toll-free at 1-877-722-3328 for a free no obligation consultation. Pacific Debt is currently providing debt relief coverage in the following states: * Other states can be connected to one of our trusted partners. For more information, contact one of our debt specialists today. The initial consultation is free, and […]

Getting out of debt in 2020

How to Get Out of Debt in 2020

Debt is an on-going problem for almost every American. Adding together credit cards, student loans, personal loans and other types of debt, except mortgages, the average American owes $38,000! The average amount of credit card debt alone is $6,850.  Getting out of debt and saving money is a common New Year’s resolution. If this is one of yours, you need a plan – it won’t happen magically. Let’s take a look at ways to pay down your debt and increase your savings. Speak to a debt expert who can explain all of your options for FREE. Step One: Understand Where […]

What does debt to income ratio mean and what should yours be

What Does Debt to Income Ratio Mean and What Should Yours Be

If you are applying for loans, you may have heard about debt to income ratio. Your loan rates and even the possibility of getting a loan is based, in part, on your debt to income ratio. It is also a way to see if you are financially healthy. The short version is, the lower your debt to income ratio, the better off you are. Speak to our debt experts for free so they can explain your options to you. What is Debt to Income Ratio? The debt to income ratio looks how much you owe versus how much you earn. […]

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"My dealings with the Pacific Debt representatives was a most pleasant experience. I started the program in October of 2012, my goal being to pay off all my credit card debt as quickly as possible."


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"I just wanted to send a quick thank you for all you have done! It wasn't an easy couple of years financially, but I made it through! Thanks to you, Pacific Debt, I can now make a fresh start."

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