California Debt Relief Reviews

Debt relief program review avatar maleI work in insurance and my pay fluctuates each month, I’m not on a strict salary so my monthly income varies month to month. As a result it is difficult to manage my situation because I don’t know exactly how much is coming in month to month… Read More

Location: San Diego, California

Los Angeles Debt ReliefI recently went through a divorce, We sold our home and I would like to use the funds to get my debts resolved once and for all. I’m very thankful for the guys over at Pacific Debt. They really do care about your situation! Read More

Location: Los Angeles, California

Read all of our California debt relief reviews to see how Pacific Debt helped people eliminate and settle their debt.

California

California has been a go-to destination for centuries. From beaches to deserts to snow-covered mountains, California has something for everyone. As a result, California is ranked #1 for population and #13 for population density.

As of 2017, over 39 million people called California home. Los Angeles is the second largest city in the US and two other cities (San Diego and San Jose) are in the top ten largest US cities.

Median State Income

The median state income is $67,739. As of 2018, the minimum wage is $11 per hour. That may seem like a lot of money to some people, but in reality, it doesn’t go very far in California. In fact, 18.6% of Californian children under 18 live in poverty. For residents overall, 14.3% of all people in California live under the poverty level.

  • Median state income: $67,739
  • Minimum wage: $11/hour
  • Children in poverty: 18.6%
  • People in poverty: 14.3%

Homeowners

Just over half (54.1%) for Californians hold a mortgage. However, the median home price in California topped $600,000 (2018) for the first time. That means that half of available homes are over $600,000, making a home in California an expensive proposition.

  • Homeowner rate: 54.1%
  • Median home price: $600,000

Mortgage Forgiveness Debt Relief Act 2014
Mortgage Forgiveness Debt Relief Act 2015
Mortgage Forgiveness Debt Relief Act 2016

Employment

California has recovered from the depression and the current unemployment rate is 4.3%. However, the underemployment rate is 11.3%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

If this is you, we can help. Pacific Debt offers debt solutions tailored to your unique situation and budget. Our certified counselors will help you work up a budget, and explain how our California debt relief program works.

  • Unemployment: 4.3% (2018)
  • Underemployment: 11.3% (2017)

California Debt

Californians carry a lot of debt. The average credit card debt is $8,971 (2017). The average medical debt per person is under $4,000. The average student loan debt is lower than the US average but is $28,950. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Californians to get into debt. The Pacific Debt California debt relief program plays an important role in helping people consolidate and settle their debt. Call us today to find out more information about your ca debt consolidation options.

  • Avg California credit card debt: $8,971 (2017)
  • Avg California medical debt per person: >$4,000 (2016)
  • Avg California mortgage debt: $334,925 (2016)
  • Avg California student loan debt: $28,950 (2016)

California Statute of Limitations

California’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.

For the California debt statute of limitations, the following statutes are for different types of debt.

  • Oral agreements: 2 years
  • Written contracts: 4 years
  • Promissory notes: 4 years
  • The statute of limitations on credit card debt in California and other revolving loans is: 4 years

California Debt Relief & Debt Consolidation

If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt with our California debt relief program. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top-ranked debt relief company located in San Diego.

We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our California debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills, and repossessions.

It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help.

Debt Collection Laws

Californians are protected against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices. In addition, the California Fair Debt Collection Practices Act (CFDCPA) add protections against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.

Overall, debt collectors can NOT:

  • Charges more than 10% interest
  • Garnish more than 25% of wages
  • Use/threaten physical force or criminal tactics to harm you, your property, or your reputation
  • Accusing you of committing a crime for not paying the debt
  • Make/threaten to make defamatory statements to someone else
  • Threaten arrest, to seize assets, or garnish wages, unless actually planning to take such action
  • Use obscene or profane language
  • Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
  • Call you repeatedly or let your phone ring repeatedly
  • Call frequently
  • Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
  • Reveal information about debt to anyone except your spouse or your parents if a minor.
  • Publicly publish your name for failing to pay
  • Send a postcard or letter with revealing information on the envelope
  • Claim to be someone other than a debt collector, including a governmental official
  • Use stationary that appears to be from a law firm
  • Charge you collection or attorney’s fees unless legally allowable
  • Threaten to report you to a credit reporting agency if they have no intention of doing so
  • Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is

Debt collectors must:

  • Disclose caller identification
  • May contact your family to locate you
  • Must serve you with notice of a lawsuit if suing you
  • Must sue you in the county where you first incurred the debt

California Bankruptcy Court Information

Bankruptcy is a legal action that can erase most of your debt, and your credit history. It is not an action to take lightly. If you do, you must follow the following steps in California.

Persons filing for bankruptcy in California 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 to determine if you are eligible for a Chapter 7 or 13 bankruptcy
  • 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 last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
  • File for bankruptcy
      • Chapter 7 bankruptcy fee is $306
      • Chapter 13 bankruptcy 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.

California 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 BBB.

California Cities Served by Pacific Debt

Acton
Adelanto
Agoura Hills
Alameda
Alamo
Albany
Alhambra
Aliso Viejo
Almanor
Alondra Park
Alpaugh
Alpine
Alpine Village
Altadena
Alta Sierra
Alturas
Alum Rock
Amador City
American Canyon
Amesti
Anaheim
Anderson
Angels City
Angwin
Antioch
Apple Valley
Aptos
Aptos Hills-Larkin Valley
Arbuckle
Arcadia
Arcata
Arden-Arcade
Armona
Arnold
Aromas
Arroyo Grande
Artesia
Arvin
Ashland
Atascadero
Atherton
Atwater
Auberry
Auburn
August
Avalon
Avenal
Avery
Avocado Heights
Azusa
Bakersfield
Baldwin Park
Banning
Barstow
Bay Point
Bayview
Bayview-Montalvin
Baywood-Los Osos
Beale AFB
Bear Valley
Bear Valley Springs
Beaumont
Beckwourth
Belden
Bell
Bellflower
Bell Gardens
Belmont
Belvedere
Benicia
Ben Lomond
Berkeley
Bermuda Dunes
Bertsch-Oceanview
Bethel Island
Beverly Hills
Big Bear City
Big Bear Lake
Big Bend
Biggs
Big Pine
Big River
Biola
Bishop
Blackhawk-Camino Tassajara
Black Point-Green Point
Blairsden
Bloomington
Blue Lake
Bluewater
Blythe
Bodega Bay
Bodfish
Bolinas
Bombay Beach
Bonadelle Ranchos-Madera Ranchos
Bonita
Bonsall
Bootjack
Boron
Boronda
Borrego Springs
Bostonia
Boulder Creek
Bowles
Boyes Hot Springs
Bradbury
Bradley
Brawley
Brea
Brentwood
Bret Harte
Brisbane
Broadmoor
Bucks Lake
Buellton
Buena Park
Buena Vista
Burbank
Burbank
Burlingame
Burney
Buttonwillow
Byron
Bystrom
Cabazon
Calabasas
Calexico
California City
Calimesa
Calipatria
Calistoga
Calwa
Camarillo
Cambria
Cambrian Park
Cameron Park
Campbell
Camp Pendleton North
Camp Pendleton South
Cantua Creek
Canyondam
Canyon Lake
Capitola
Caribou
Carlsbad
Carmel-by-the-Sea
Carmel Valley Village
Carmichael
Carpinteria
Carrick
Carson
Cartago
Caruthers
Casa Conejo
Casa de Oro-Mount Helix
Castro Valley
Castroville
Cathedral City
Cayucos
Ceres
Cerritos
Challenge-Brownsville
Channel Islands Beach
Charter Oak
Cherryland
Cherry Valley
Chester
Chico
Chilcoot-Vinton
China Lake Acres
Chinese Camp
Chino
Chino Hills
Chowchilla
Chualar
Chula Vista
Citrus
Citrus Heights
Claremont
Clayton
Clearlake
Clearlake Oaks
Clio
Cloverdale
Clovis
Clyde
Coachella
Coalinga
Cobb
Colfax
Colma
Colton
Columbia
Colusa
Commerce
Compton
Concord
Concow
Copperopolis
Corcoran
Corning
Corona
Coronado
Corralitos
Corte Madera
Costa Mesa
Cotati
Coto de Caza
Cottonwood
Country Club
Covelo
Covina
Crescent City
Crescent City North
Crescent Mills
Crest
Crestline
C-Road
Crockett
Cromberg
Cudahy
Culver City
Cupertino
Cutler
Cutten
Cypress
Daly City
Dana Point
Danville
Darwin
Davis
Day Valley
Deer Park
Del Aire
Delano
Delhi
Delleker
Del Mar
Del Monte Forest
Del Rey
Del Rey Oaks
Del Rio
Denair
Derby Acres
Desert Hot Springs
Desert Shores
Desert View Highlands
Diablo
Diamond Bar
Diamond Springs
Dillon Beach
Dinuba
Discovery Bay
Dixon
Dixon Lane-Meadow Creek
Dollar Point
Dorrington
Dorris
Dos Palos
Downey
Duarte
Dublin
Ducor
Dunsmuir
Durham
Dustin Acres
Earlimart
East Blythe
East Compton
East Foothills
East Hemet
East La Mirada
East Los Angeles
East Oakdale
Easton
East Orosi
East Palo Alto
East Pasadena
East Porterville
East Quincy
East Richmond Heights
East San Gabriel
East Shore
East Sonora
Edgewood
Edwards AFB
El Cajon
El Centro
El Cerrito
El Cerrito
El Dorado Hills
Eldridge
El Granada
Elk Grove
Elkhorn
Elmira
El Monte
El Paso de Robles (Paso Robles)
El Rio
El Segundo
El Sobrante
El Verano
Emerald Lake Hills
Emeryville
Empire
Encinitas
Escalon
Escondido
Esparto
Etna
Eureka
Exeter
Fairbanks Ranch
Fairfax
Fairfield
Fair Oaks
Fairview
Fallbrook
Fall River Mills
Farmersville
Farmington
Fellows
Felton
Ferndale
Fetters Hot Springs-Agua Caliente
Fillmore
Firebaugh
Florence-Graham
Florin
Folsom
Fontana
Foothill Farms
Foothill Ranch
Ford City
Foresthill
Forest Meadows
Forestville
Fort Bragg
Fort Jones
Fortuna
Foster City
Fountain Valley
Fowler
Frazier Park
Freedom
Fremont
French Camp
French Gulch
Fresno
Friant
Fruitdale
Fullerton
Furnace Creek
Galt
Gardena
Garden Acres
Garden Grove
Gazelle
Georgetown
Gerber-Las Flores
Gilroy
Glen Avon
Glendale
Glendora
Glen Ellen
Golden Hills
Gold River
Goleta
Gonzales
Goshen
Graeagle
Grand Terrace
Granite Bay
Granite Hills
Grass Valley
Graton
Grayson
Greenfield
Greenhorn
Green Valley
Greenview
Greenville
Grenada
Gridley
Groveland-Big Oak Flat
Grover Beach
Guadalupe
Guerneville
Gustine
Hacienda Heights
Half Moon Bay
Hamilton Branch
Hamilton City
Hanford
Harbison Canyon
Hawaiian Gardens
Hawthorne
Hayfork
Hayward
Healdsburg
Heber
Hemet
Hercules
Hermosa Beach
Hesperia
Hickman
Hidden Hills
Hidden Meadows
Hidden Valley Lake
Highgrove
Highland
Highlands-Baywood Park
Hillsborough
Hilmar-Irwin
Hollister
Holtville
Home Garden
Home Gardens
Homeland
Homewood Canyon-Valley Wells
Hornbrook
Hughson
Humboldt Hill
Huntington Beach
Huntington Park
Huron
Hydesville
Idyllwild-Pine Cove
Imperial
Imperial Beach
Independence
Indian Falls
Indian Wells
Indio
Industry
Inglewood
Interlaken
Inverness
Inyokern
Ione
Iron Horse
Irvine
Irwindale
Isla Vista
Isleton
Ivanhoe
Jackson
Jamestown
Jamul
Johannesburg
Johnsville
Joshua Tree
Julian
Keddie
Keeler
Keene
Kelseyville
Kennedy
Kensington
Kentfield
Kerman
Kernville
Kettleman City
Keyes
King City
Kings Beach
Kingsburg
Kirkwood
Klamath
Knightsen
La Canada Flintridge
La Crescenta-Montrose
Ladera Heights
Lafayette
Laguna
Laguna Beach
Laguna Hills
Laguna Niguel
Laguna West-Lakeside
Laguna Woods
Lagunitas-Forest Knolls
La Habra
La Habra Heights
Lake Almanor Country Club
Lake Almanor Peninsula
Lake Almanor West
Lake Arrowhead
Lake Davis
Lake Elsinore
Lake Forest
Lakehead-Lakeshore
Lake Isabella
Lakeland Village
Lake Los Angeles
Lake Nacimiento
Lake of the Pines
Lake of the Woods
Lakeport
Lake San Marcos
Lakeside
Lakeview
Lake Wildwood
Lakewood
La Mesa
La Mirada
Lamont
Lanare
Lancaster
La Palma
La Porte
La Presa
La Puente
La Quinta
La Riviera
Larkfield-Wikiup
Larkspur
Las Flores
Las Lomas
Lathrop
Laton
La Verne
Lawndale
Laytonville
Lebec
Le Grand
Lemon Cove
Lemon Grove
Lemoore
Lemoore Station
Lennox
Lenwood
Lewiston
Lexington Hills
Lincoln
Lincoln Village
Linda
Linden
Lindsay
Little Grass Valley
Littlerock
Live Oak
Live Oak
Livermore
Livingston
Lockeford
Lodi
Loma Linda
Loma Rica
Lomita
Lompoc
London
Lone Pine
Long Beach
Loomis
Los Alamitos
Los Alamos
Los Altos
Los Altos Hills
Los Angeles
Los Banos
Los Gatos
Los Molinos
Lost Hills
Lower Lake
Loyalton
Loyola
Lucas Valley-Marinwood
Lucerne
Lynwood
McArthur
McCloud
Macdoel
McFarland
McKinleyville
McKittrick
Madera
Madera Acres
Magalia
Malibu
Mammoth Lakes
Manhattan Beach
Manteca
Manton
March AFB
Maricopa
Marina
Marina del Rey
Mariposa
Markleeville
Martinez
Marysville
Mayflower Village
Maywood
Meadow Valley
Meadow Vista
Mecca
Meiners Oaks
Mendocino
Mendota
Menlo Park
Mentone
Merced
Mesa
Mesa Vista
Mettler
Middletown
Millbrae
Mill Valley
Millville
Milpitas
Mineral
Mira Loma
Mira Monte
Mission Canyon
Mission Hills
Mission Viejo
Mi-Wuk Village
Modesto
Mohawk Vista
Mojave
Mokelumne Hill
Mono Vista
Monrovia
Montague
Montara
Montclair
Montebello
Montecito
Monterey
Monterey Park
Monte Rio
Monte Sereno
Montgomery Creek
Moorpark
Morada
Moraga
Moreno Valley
Morgan Hill
Morongo Valley
Morro Bay
Moss Beach
Moss Landing
Mountain Mesa
Mountain Ranch
Mountain View
Mountain View
Mountain View Acres
Mount Hebron
Mount Shasta
Muir Beach
Murphys
Murrieta
Murrieta Hot Springs
Muscoy
Myrtletown
Napa
National City
Nebo Center
Needles
Nevada City
Newark
Newman
Newport Beach
Newport Coast
Nice
Niland
Nipomo
Norco
North Auburn
North Edwards
North El Monte
North Fair Oaks
North Highlands
North Lakeport
North Woodbridge
Norwalk
Novato
Nuevo
Oakdale
Oakhurst
Oakland
Oakley
Oak Park
Oak View
Occidental
Oceano
Oceanside
Ocotillo
Oildale
Ojai
Olancha
Olivehurst
Ontario
Onyx
Opal Cliffs
Orange
Orange Cove
Orangevale
Orcutt
Orinda
Orland
Orosi
Oroville
Oroville East
Oxnard
Pacheco
Pacifica
Pacific Grove
Pajaro
Palermo
Palmdale
Palm Desert
Palm Springs
Palo Alto
Palo Cedro
Palos Verdes Estates
Palo Verde
Paradise
Paramount
Parksdale
Parkway-South Sacramento
Parkwood
Parlier
Pasadena
Patterson
Paxton
Pearsonville
Pedley
Penn Valley
Perris
Petaluma
Phoenix Lake-Cedar Ridge
Pico Rivera
Piedmont
Pine Hills
Pine Mountain Club
Pine Valley
Pinole
Piru
Pismo Beach
Pittsburg
Pixley
Placentia
Placerville
Planada
Pleasant Hill
Pleasanton
Plumas Eureka
Plymouth
Point Arena
Point Reyes Station
Pollock Pines
Pomona
Poplar-Cotton Center
Port Costa
Porterville
Port Hueneme
Portola
Portola Hills
Portola Valley
Poway
Prattville
Prunedale
Quail Valley
Quartz Hill
Quincy
Rail Road Flat
Rainbow
Raisin City
Ramona
Rancho Calaveras
Rancho Cordova
Rancho Cucamonga
Rancho Mirage
Rancho Murieta
Rancho Palos Verdes
Rancho San Diego
Rancho Santa Fe
Rancho Santa Margarita
Rancho Tehama Reserve
Randsburg
Red Bluff
Redding
Redlands
Redondo Beach
Redway
Redwood City
Reedley
Rialto
Richgrove
Richmond
Ridgecrest
Ridgemark
Rio Dell
Rio del Mar
Rio Linda
Rio Vista
Ripon
Riverbank
Riverdale
Riverdale Park
Riverside
Rocklin
Rodeo
Rohnert Park
Rolling Hills
Rolling Hills Estates
Rollingwood
Romoland
Rosamond
Rosedale
Roseland
Rosemead
Rosemont
Roseville
Ross
Rossmoor
Round Mountain
Round Valley
Rowland Heights
Rubidoux
Running Springs
Sacramento
St. Helena
Salida
Salinas
Salton City
Salton Sea Beach
San Andreas
San Anselmo
San Antonio Heights
San Ardo
San Bernardino
San Bruno
San Buenaventura (Ventura)
San Carlos
San Clemente
Sand City
San Diego
San Diego Country Estates
San Dimas
San Fernando
San Francisco
San Gabriel
Sanger
San Geronimo
San Jacinto
San Joaquin
San Joaquin Hills
San Jose
San Juan Bautista
San Juan Capistrano
San Leandro
San Lorenzo
San Lucas
San Luis Obispo
San Marcos
San Marino
San Martin
San Mateo
San Miguel
San Pablo
San Rafael
San Ramon
Santa Ana
Santa Barbara
Santa Clara
Santa Clarita
Santa Cruz
Santa Fe Springs
Santa Maria
Santa Monica
Santa Paula
Santa Rosa
Santa Venetia
Santa Ynez
Santee
Saratoga
Sausalito
Scotts Valley
Seal Beach
Searles Valley
Seaside
Sebastopol
Sedco Hills
Seeley
Selma
Seven Trees
Shackelford
Shafter
Shandon
Shasta Lake
Shaver Lake
Shingle Springs
Shingletown
Shoshone
Sierra Madre
Signal Hill
Simi Valley
Solana Beach
Soledad
Solvang
Sonoma
Sonora
Soquel
Soulsbyville
South Dos Palos
South El Monte
South Gate
South Lake Tahoe
South Oroville
South Pasadena
South San Francisco
South San Gabriel
South San Jose Hills
South Taft
South Whittier
South Woodbridge
South Yuba City
Spreckels
Spring Garden
Spring Valley
Springville
Squaw Valley
Squirrel Mountain Valley
Stallion Springs
Stanford
Stanton
Stinson Beach
Stockton
Storrie
Stratford
Strathmore
Strawberry
Suisun City
Summerland
Sun City
Sunnyside-Tahoe City
Sunnyslope
Sunnyvale
Sunol
Sunol-Midtown
Susanville
Sutter
Sutter Creek
Taft
Taft Heights
Taft Mosswood
Tahoe Vista
Talmage
Tamalpais-Homestead Valley
Tara Hills
Taylorsville
Tecopa
Tehachapi
Tehama
Temecula
Temelec
Temple City
Templeton
Tennant
Terra Bella
Thermalito
Thousand Oaks
Thousand Palms
Three Rivers
Tiburon
Tierra Buena
Tipton
Tobin
Tomales
Toro Canyon
Torrance
Tracy
Tranquillity
Traver
Trinidad
Truckee
Tulare
Tulelake
Tuolumne City
Tupman
Turlock
Tustin
Tustin Foothills
Twain
Twain Harte
Twentynine Palms
Twentynine Palms Base
Twin Lakes
Ukiah
Union City
Upland
Upper Lake
Vacaville
Valinda
Vallecito
Vallejo
Valle Vista
Valley Acres
Valley Center
Valley Ranch
Valley Springs
Val Verde
Vandenberg AFB
Vandenberg Village
Vernon
Victorville
View Park-Windsor Hills
Villa Park
Vincent
Vine Hill
Vineyard
Visalia
Vista
Waldon
Wallace
Walnut
Walnut Creek
Walnut Grove
Walnut Park
Wasco
Waterford
Watsonville
Weaverville
Weed
Weedpatch
Weldon
West Athens
West Bishop
West Carson
West Compton
West Covina
Westhaven-Moonstone
West Hollywood
Westlake Village
Westley
West Menlo Park
Westminster
West Modesto
Westmont
Westmorland
West Point
West Puente Valley
West Sacramento
West Whittier-Los Nietos
Westwood
Wheatland
Whitehawk
Whittier
Wildomar
Wilkerson
Williams
Willits
Willowbrook
Willow Creek
Willows
Wilton
Winchester
Windsor
Winter Gardens
Winterhaven
Winters
Winton
Wofford Heights
Woodacre
Woodcrest
Woodlake
Woodland
Woodside
Woodville
Wrightwood
Yorba Linda
Yosemite Lakes
Yosemite Valley
Yountville
Yreka
Yuba City
Yucaipa
Yucca Valley

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