California Debt Help Company Trustpilot Review
California debt relief program aimed to help people reduce their debt substantially.

California Debt Relief Reviews

What Is California Debt Relief?

Pacific Debt, Inc is a leading debt settlement company located in California with an excellent track record and reputation. We negotiate with your creditors to lower the amount you owe. The secret to debt settlement is that you have to stop paying your bills in order to make creditors willing to negotiate. This action can come with late fees and creditor phone calls.

Debt settlement does come with some credit score and credit report damage. Your debt settlement may stay on your credit report for up to seven years. You should consider debt settlement for debts that are very delinquent or already in collections. That way the damage is already done to your credit score. Most people who successfully complete Pacific Debt, Inc’s debt settlement program can see rapid improvements to their credit scores.

California Debt Relief Pros and Cons:

Pros of Debt Relief

  • May be able to pay less than you owe
  • Last resort before bankruptcy

Cons of Debt Relief

  • Must negotiate with each creditor
  • Possible late fees and interest charges
  • Annoying phone calls from creditors
  • Takes 2-4 years to settle and pay off debts
  • Short term negative impact on credit score and credit report for up to 7 years
  • Possible tax consequences

How does California debt relief work?

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 the right fit for you, we move forward with our program and work to save you money from your creditors. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills, and repossessions. If you have been hit with high-interest rates and are having problems paying your creditors. Call one of our certified credit counselors today.

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. Pacific Debt is based out of San Diego, California, and doesn’t only provide San Diego debt relief. Pacific Debt offers debt relief to over 30 states in the form of debt settlement.

For many reasons, California residents carry a lot of debt – it is an expensive place to live. If you have a lot of debt including unsecured debt like credit cards and are looking for debt relief solutions, here are some of your options.

Debt Relief Options and How They Work

  1. Debt Consolidation
    This option rolls all debt into a single, lower interest payment. You may be able to get a lower interest loan to pay off the debt or work with a debt consolidation company.
  2. Credit Counseling
    Credit counseling helps you to manage your money including developing a budget, helping you understand your credit report, and set up a debt management plan.
  3. Bankruptcy
    This is a last resort option – this legal action wipes out most of your debt, severely damages your credit for up to ten years, and is expensive and time-consuming.
  4. Debt Settlement
    In this option, you (or a company) negotiates with creditors to lower the debt amount of unsecured loans, like credit cards and helps you to save money in order to pay off loans.

Contact Pacific Debt today so they can help you with your creditors.

Debt Settlement Company

One of our certified credit counselors can help you understand all your debt relief options and what your best route of action would be. We can also give you a FREE savings estimate to see how much money we can help save you each month. Pacific Debt has one of the best-rated debt settlement programs available for California residents who are eligible for our debt relief program. Debt settlement is a great debt relief option to have when you are facing pressure from bill collectors and creditors. We know what it’s like to have high-interest rates for unsecured loans, medical bills, or student loans.

If you live in the state of California and are looking for your best option for reducing your debt, call us today. Our debt experts will help guide and explain all your options so you understand them well. Out CA debt settlement program can be custom tailored to fit your budget.

Transcript of California Debt Relief Company with A+ BBB Rating Video

Looking for Professional California Debt Relief?
Pacific Debt has helped thousands of people reduce their debt since 2002.
Pacific Debt is Accredited
by the Better Business Bureau with an A+ Rating
US News and World Reports ranked Pacific Debt as one of “The Best Debt Settlement Companies of 2019”
A Top 10 Rated Company by, and
See What Our
Are Saying
Nick was tremendously helpful in explaining every detail. He was able to quickly gain my trust with his expertise. I really appreciate his patience and the time he took to educate me with the process. I feel I’m in good hands.
Glendale, California / Provided by BestCompany
Excellent service. I was taken care of from day one. Jennifer put me at ease and walked me step by step through the process. I look forward to start my process of being debt free
Chula Vista, California / Provided by BestCompany
Ray was patiently on the phone with me for over 2 hours. That is commitment!! He was pleasant and informative…I can see why their ratings are so high.
Carlsbad, California / Provided by BestCompany
Since 2002, we’ve settled over $250 million in debt
for our customers
Contact us to hear all your options
Get Your FREE
Savings Estimate Today!
Click To See Your Savings

California Better Business Bureau

Pacific Debt is an A+ rated Business with the BBB for debt negotiation services to individuals and families struggling with unsecured debt. We have been accredited since 2010 and in business since 2002.

Located in California, we are a debt relief company with our main office in San Diego. However, we operate on a national level providing debt relief to California, as well as throughout the United States. Talk to a debt expert today and find out all your options to get out of debt. Our debt specialists will go over your financial situation closely and help explain everything to you.

Pacific Debt, Inc.
750 B Street Suite 1700
San Diego, CA 92101

Call Us for Immediate Debt Relief Service at 1-800-909-9893

California 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%

California 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 the available homes are over $600,000, making a home in California an expensive proposition.

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

Mortgage Forgiveness Debt Relief Act 2014 – 2016

California Employment at a Glance

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 custom-tailored to your unique financial situation and budget. Our certified debt counselors will help you work up a budget that fits your financial situation, and explain how our California debt relief program works.

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

Debt Statistics in the State of California

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. According to, the average credit card interest rate sits at 17.73% for 2019. 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 CA 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

Credit Counseling

If you have more debt than you can pay off, Pacific Debt can help you reduce your debt in 2-4 years. Since 2002, we’ve settled over $250 million in debt for our clients. We are a nationally top-ranked debt relief company located in San Diego, California.

California Debt Collection Laws

Californians have laws to protect them 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 stationery 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.

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