How To Get Debt Consolidation Loans For Bad Credit Scores

How To Get Debt Consolidation Loans For Bad Credit Scores

You have debts and want to roll all those debts into one payment. This is known as debt consolidation. Debt consolidation can be a great option to getting debt free. The problem is that debt consolidation can make your situation worse. If you have a great credit score, debt consolidation loans are readily available. If you have bad credit, debt consolidation loans can be expensive and difficult to get. Lenders usually charge unreal interest rates and fees. What Credit Score Do I Need? In order to get the best interest rates, you need a credit score of 700 or above. […]

Debt Consolidation vs Debt Settlement

Debt Consolidation vs Debt Settlement

The average American carries around a balance of $6,375 in credit card debt alone. That is an increase of 3% from last year.  In 2017, total credit card debt held by Americans reached $1 trillion. If you have a lot of credit card debt and are looking for a quick way out, you are not alone. You’ve probably seen several terms – debt consolidation, debt settlement, and bankruptcy. These can sound similar, and each one has its unique pros and cons. We’ll look at the first two in more depth and then compare the pros and cons to bankruptcy. What […]

Financial Anxiety

Financial Anxiety and How to Battle It

Financial Anxiety Current internet articles, posts, and headlines are filled with descriptions of the financial issues troubling many Americans. Layoffs, tax debt, and bankruptcies can add to the financial stress, and according to the American Psychological Association (APA), it’s taking a huge toll on our health. While the country continues to recover from the recession, many of us still feel the weight of crushing debt. Unfortunately, prolonged financial stress can negatively affect our physical, mental, and emotional health. The good news is that help is available. Options like relief from tax burdens, debt management programs, and budgeting strategies can provide […]

Debt Settlement – 3 Marketing Tricks to Avoid

Debt settlement can be a stressful process, even before you enroll. Doing the research can add to your anxiety as you visit different sites, read reviews and try and determine who is the best debt settlement company for your needs. If you haven’t done so already, I suggest reading “5 Important Questions to ask Before You Sign Up.”  As you do your research, it’s important to know that many debt settlement companies use misleading marketing tactics. To help you spot these deceptive tactics, we’ve put together a list of three common marketing tricks used by debt settlement companies. Trick 1: […]

Get Budget Help With Budget Apps

What Are The Best Budgeting Apps of 2018?

The Best Budgeting Apps of 2018 Most people believe in the power of budgeting; some people think it’s just an excuse to avoid the real solution. Richard Quinn, a retired VP of Compensation and Benefits with over 50 years of experience in managing pension and 401k plans for a fortune 200 company, offers some profound advice about budgeting. One particular thing he mentioned about budgeting apps will strike a chord with most budgeting experts. According to Quinn, “Nobody needs an app. They don’t even need a budget. They need to do a few simple things: Take their net pay and […]

Meet Christopher – Now Debt Free Thanks to Pacific Debt

Name: Christopher Age: 35 Location: California When did you enroll in our debt settlement program and how much debt were you facing? How did carrying all of that debt make you feel? We enrolled March 2016 in Pacific Debt’s program, with $23,176 in debt. Carrying that much debt made it almost impossible to make ends meet. We could make only minimum payments, and would immediately be checking balances and available credit to see which card we could use next. Purchases were for necessities, not fun or frivolous items. We lived credit card limit to credit card limit. Tell us about […]

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 […]

Debt Consolidation Loans with Bad Credit

For anyone with bad credit, nothing is more frustrating than trying to find a loan. What is even worse, is trying to find one with a decent interest rate. Debt consolidation loans With bad credit with low-interest rates are almost impossible to get these days. Not only do you have to overcome the fact that you have bad credit, but you also have an issue of being strapped by so much debt, you are already struggling to make payments on the loans you have. Do Debt Consolidation Loans With Bad Credit Exist? For all practical purposes, the answer is no. Consumers […]

Best Debt Consolidation Loans

If there was ever a great economic climate to get the best debt consolidation loans, this is definitely it. Well, sort of… Currently, we are enjoying some of the lowest interest rates of all time, which is certainly important when looking to consolidate credit card debt at a lower interest rate. However, if you are currently shopping around for the best debt consolidation loans, you have no doubt discovered a major problem. The banks aren’t lending money for risky unsecured loans to consumers who have high debt and are struggling with their monthly payments. Sure, if you have great credit, […]

Credit Card Debt Consolidation Loans

Credit Card Debt Consolidation Loans? Most of us are old enough to remember when it was possible to contact a credit card company, explain you just received a balance transfer offer with a low rate from another company, and they would trip over themselves to match it and keep your business. Those were certainly the good old days when great offers for credit card debt consolidation loans came in the mail almost every week. It was almost to easy to jump from one promotional rate to the next for years on end. These days, if you try that trick with […]

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