Pacific Debt Learning Center

Welcome to the Pacific Debt education and learning center packed with tools, guides, and other resources that are aimed at helping you learn about credit, debt, taxes, and more!

Resources By Category


What is Bankruptcy
Top 10 Most Common Bankruptcy Questions
California Residents Getting Sued Over Credit Card Collections Bills
Do you get out of all debts if you declare bankruptcy?
How to Deal With Debt Collectors When You Can’t Pay
Should You File Bankruptcy Because You Can’t Pay Your Credit Card Bills?
Bankruptcy vs Debt Settlement

Budgeting Tips

Free Budget Planners
Budgeting Apps
The 50 30 20 Budget Rule?
Managing Debt during the Holiday Season

Credit Score

Renting An Apartment With Bad Credit
Being Denied a Job Because of Bad Credit
How to Raise Your Credit Score Fast
How Long to Keep Your Credit Card Statements
Building Your Credit After Debt Settlement
Why Your Equifax Credit Score Might Be Lower Than TransUnion
Buying a House with Bad Credit
Get out of Debt and Your Credit Score
Checking Your Credit Report Regularly

Credit Cards

Ways to Get Debt Relief from Credit Cards
DIY Guide to Stop Debt
How to Fight Financial Anxiety
Ways to Reduce Credit Card Debt
Credit Card Debt Relief and The Coronavirus Pandemic
What Is a Good APR for a Credit Card
How Long to Keep Credit Card Statements


Is It Better to Pay Off Debt or Save Money?
How to Get Out of Debt
What Does Debt to Income Ratio Mean
Different Types of Debt
What is Debt Settlement
What is Debt Consolidation
What is Credit Counseling
Debt Consolidation vs Debt Settlement
What is a Letter for Debt Settlement Agreement
When Will A Debt Collector Sue?
How to Deal With Debt Collectors When You Can’t Pay
What is a Good Debt to Equity Ratio?
Debt Calculator Toor
Common Myths and Scare Tactics Used By Debt Collectors
What Happens to Credit Card Debt After 7 Years


California’s Minimum Wage Increase Information
1st Stimulus Check Information
2nd Stimulus Check Information


1099 C Cancellation of Debt Common Questions
How Much Money Do You Have to Make to File Taxes
Can You Go to Jail for Not Paying Taxes?

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