Arizona Debt Relief

Arizona Debt Relief Reviews

Arizona Better Business Bureau

Pacific Debt is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

Pacific Debt settlement

Pacific Debt is a debt relief agency that has helped Arizona residents reduce debt significantly through debt settlement . Since 2002, we've settled over $200 million in debt for our customers. If you are an Arizona resident and struggling with credit card balances, medical debt, or any other unsecured debt.

Contact us today for your FREE consultation with no obligation.

Our debt settlement program could save you from an Arizona bankruptcy. Our debt relief agency is your best alternative to debt consolidation or bankruptcy with a law firm.

Debt Relief Testimonials

AZ Debt Relief Reviews

Common Questions for Debt Solutions

Reasons to Get Debt Relief in Arizona

There are many reasons why you want relief from debt in Arizona. Perhaps you lost your job or were hit by the recent recession. Maybe you have medical bills or are struggling to keep up with credit card company payments.

If you are looking for Arizona debt settlement companies, you could benefit our free consultation. Our experts explain the available Arizona relief programs. We'll go over your debts and look at the current interest rate of any unsecured loan.

Relief isn't easy, but it's not impossible! Our staff is standing by with a free consultation and no upfront fees.

Common Types of Debt Relief Options

Each debt solution has pros and cons. Everyone's financial situation is unique so speak to a specialist who can help you understand your options .

1. Debt Consolidation Loan
2. Debt Settlement
3. Credit Counseling
4. Debt Management Program
5. Bankruptcy

Debt Consolidation Loans

Debt consolidation loans roll debt into one loan. This low interest loan is used to consolidate debt and then pay the total. The loan is paid with a consolidated monthly payment. This one monthly payment can make debt repayment manageable.

Debt consolidation depends on your total debt and finding someone to lend money to you.

Debt Settlement Services

Debt settlement can be helpful in resolving unsecured debt. An Arizona debt settlement company negotiates a lower amount. While negotiations are underway, you save sufficient funds to pay the negotiated debt. The company may get creditors to forgive some debt.

You make a monthly payment into an insured savings account. The payments are used to pay down debt according to your payment plan.

Do research before choosing a debt settlement company.

Pacific Debt is one of the best debt settlement companies because of our exceptional customer service. We have relationships with most credit card companies and lenders throughout the United States.

If you have debt, our debt settlement programs can help.

If you live in Arizona and want out of debt, then a debt settlement company could be your best solution.

Credit Counseling

Credit counseling involves working closely with a credit counselor at a credit counseling agency to develop a debt repayment plan. A credit counseling agency can help you negotiate with creditors and develop a budget to pay off debts.

Credit counseling may help lower interest rates or waive certain fees. through a full balance debt resolution program. Look for an accredited, not-for-profit debt counseling agency and a professional credit counselor.

Debt Management Program

Debt Management Programs are formal agreements between debtors and creditors to repay a monitary percentage over a fixed period of time. A debt management plan can help consumers struggling to make minimum payments on credit cards or other debts.

Under a DMP, the collection agency stops all collection activity against the debtor. The creditor may reduce or eliminate interest charges and late fees. The DMP goal is to help the debtor get back on track financially so they can pay off their entire debt balance.

Bankruptcy

Bankruptcy is a legal action by a person who cannot repay debts owed to creditors.

When a person declares bankruptcy, they declare they are unable to pay back debts. This can be due to financial difficulties, such as high levels of debt or unemployment. Often, bankruptcy results in liquidation, meaning all assets are sold off to repay their debts.

Bankruptcy is the most damaging to your credit score. Bankruptcy is very expensive.

More about Bankruptcy.

Bankruptcy Court Information

Bankruptcy erases most debt as well as your credit history. It is not an action to take lightly. Arizona residents must follow the following Arizona Bankruptcy law.

Persons filing for bankruptcy must:

• Complete credit counseling within six months before filing for bankruptcy.
• Complete a financial management instructional course after filing bankruptcy.
• Complete a Bankruptcy Act Means Test
• Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
• Collect the last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
• File for bankruptcy
• Chapter 7 fee is $306
• Chapter 13 fee is $281
• Meet with court assigned bankruptcy trustee
• Attend a Meeting of Creditors
• Confirm plan if filing for Chapter 13 bankruptcy

DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.

The information included on this site is for educational purposes only. Your state may not qualify for the Pacific Debt, Inc debt relief . If it does not qualify, we can refer you to a Trusted Partner or assist in connecting you with a provider who offers services in your state of residence.

The Pros of Our Debt Relief Program

We have no upfront fees and provide a free debt analysis consultation to see how we can help. If you want a reputable company to help you reduce debt, we are your company.

We may help you settle your debt for less than what you owe with the possibility of becoming debt-free in 24-48 months.

There are other Arizona debt reduction programs and debt solutions but we are leaders in the debt industry and have a successful track record with Arizona debt negotiation

View our customer reviews

Debt Relief For the Following Arizona Cities: