District of Columbia

District of Columbia is the home of America’s government. It is not a state buts hold a unique position. District of Columbia has an economy based on federal government, professional and business service jobs. District of Columbia is ranked #50 for population and #1 for population density.

As of 2018, over 700,000 people called District of Columbia home.

Income

The median state income is $75,506. As of 2018, the minimum wage is $13.25 per hour. Unfortunately, 25.5% of District of Columbian children under 18 live in poverty. For residents overall, 18.6% of all people in District of Columbia live under the poverty level.

  • Median state income: $75,506
  • Minimum wage: $13.25/hour
  • Children in poverty: 25.5%
  • People in poverty: 18.6%

Homeowners


Less than half (40.3%) of District of Columbians hold a mortgage. The median home price in District of Columbia is $568,600 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 40.3%
  • Median home price: $568,600

Employment

District of Columbia has a current unemployment rate of 5.5%. However, the underemployment rate is 9.5%. 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 District of Columbia debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget, and explain your options.

  • Unemployment: 5.5% (2018)
  • Underemployment: 9.5% (2017)

District of Columbia Debt

District of Columbians carry a lot of debt. The average credit card debt is $8,291 (2018). The average student loan debt is $30,309. In addition, District of Columbia has the highest average mortgage debt. 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 District of Columbians to get into debt.

  • Avg credit card debt: $8,291 (2018)
  • Avg mortgage debt: $406,035 (2017)
  • Avg student loan debt: $30,309 (2017)

District of Columbia Statute of Limitations

District of Columbia’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 debts taken out in District of Columbia, the following are the statutes of limitations for different types of debt.

  • Oral agreements: 3 years
  • Written contracts: 3 years
  • Promissory notes: 3 years
  • Credit cards and other revolving loans: 3 years

District of Columbia Debt Relief & Debt Consolidation

If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. 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 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

District of Columbians 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 District of Columbia Fair Debt Collection Practices Act (DCFDCPA) adds 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

Bankruptcy Court Information

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

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 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.

District of Columbia 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.

District of Columbia Debt Relief Reviews

by Dee S.
I am currently in the first stage of…
I am currently in the first stage of the program and so far it has been a great experience. Everyone I have talked to has been very professional and empathetic to our situation. I can only hope that the rest of this process goes as well and I can be free of debt with no regrets.
by Customer
I have had a great experience so far
I have had a great experience so far. I would recommend this company to help take control of your finances.
by Rich H
New Begining
If you are thinking there is no end insight and seeing half of your monthly payments going in their bank while the only means for daily needs is another swipe digging the hole deeper. Do yourself a favor do your homework than call Pacific Debt. and listen to your wayout. They work with you so you can see an end and in good time so you realize the sooner you start you can count down to the new begining.

District of Columbia Cities Served by Pacific Debt

Aberdeen
Aberdeen Proving Ground
Accident
Accokeek
Adelphi
Algonquin
Andrews AFB
Annapolis
Arbutus
Arden-on-the-Severn
Arnold
Ashton-Sandy Spring
Aspen Hill
Ballenger Creek
Baltimore
Barclay
Barnesville
Barton
Bel Air
Bel Air North
Bel Air South
Beltsville
Bennsville
Berlin
Berwyn Heights
Bethesda
Betterton
Bladensburg
Boonsboro
Bowie
Bowleys Quarters
Braddock Heights
Brandywine
Brentwood
Brookeville
Brooklyn Park
Brookmont
Brookview
Brunswick
Bryans Road
Burkittsville
Burtonsville
Cabin John
California
Calvert Beach-Long Beach
Calverton
Cambridge
Camp Springs
Cape St. Claire
Capitol Heights
Carmody Hills-Pepper Mill Village
Carney
Catonsville
Cavetown
Cecilton
Centreville
Chance
Charlestown
Charlotte Hall
Chesapeake Beach
Chesapeake City
Chesapeake Ranch Estates-Drum Point
Chester
Chestertown
Cheverly
Chevy Chase
Chevy Chase
Chevy Chase Section Five village
Chevy Chase Section Three village
Chevy Chase View
Chevy Chase Village
Chewsville
Chillum
Church Creek
Church Hill
Clarksburg
Clear Spring
Clinton
Clover Hill
Cloverly
Cockeysville
Colesville
College Park
Colmar Manor
Columbia
Coral Hills
Cordova
Cottage City
Cresaptown-Bel Air
Crisfield
Crofton
Crownsville
Cumberland
Damascus
Dames Quarter
Darnestown
Deale
Deal Island
Deer Park
Delmar
Denton
Discovery-Spring Garden
District Heights
Dundalk
Dunkirk
Eagle Harbor
East New Market
Easton
East Riverdale
Eden
Edgemere
Edgewood
Edmonston
Eldersburg
Eldorado
Elkridge
Elkton
Ellicott City
Emmitsburg
Essex
Fairland
Fairmount
Fairmount Heights
Fallston
Federalsburg
Ferndale
Forest Glen
Forest Heights
Forestville
Fort Meade
Fort Ritchie
Fort Washington
Fountainhead-Orchard Hills
Frederick
Frenchtown-Rumbly
Friendly
Friendship Village
Friendsville
Frostburg
Fruitland
Funkstown
Gaithersburg
Galena
Galestown
Garrett Park
Garrison
Germantown
Girdletree
Glenarden
Glen Burnie
Glen Echo
Glenn Dale
Goddard
Golden Beach
Goldsboro
Grantsville
Grasonville
Greater Landover
Greater Upper Marlboro
Greenbelt
Green Haven
Greensboro
Green Valley
Hagerstown
Halfway
Hampstead
Hampton
Hancock
Havre de Grace
Hebron
Henderson
Herald Harbor
Highfield-Cascade
Highland Beach
Hillandale
Hillcrest Heights
Hillsboro
Hillsmere Shores
Hughesville
Huntingtown
Hurlock
Hyattsville
Indian Head
Jarrettsville
Jessup
Joppatowne
Keedysville
Kemp Mill
Kensington
Kent Narrows
Kettering
Kingstown
Kingsville
Kitzmiller
Lake Arbor
Lake Shore
Landover Hills
Langley Park
Lanham-Seabrook
Lansdowne-Baltimore Highlands
La Plata
Largo
Laurel
La Vale
Laytonsville
Leitersburg
Leonardtown
Lexington Park
Linganore-Bartonsville
Linthicum
Lochearn
Loch Lynn Heights
Lonaconing
Londontowne
Luke
Lusby
Lutherville-Timonium
Manchester
Mardela Springs
Marlow Heights
Marlton
Martin’s Additions village
Marydel
Maryland City
Maugansville
Mayo
Mays Chapel
Middle River
Middletown
Midland
Milford Mill
Millington
Mitchellville
Montgomery Village
Morningside
Mount Aetna
Mountain Lake Park
Mount Airy
Mount Lena
Mount Rainier
Mount Vernon
Myersville
Naval Academy
Newark
New Carrollton
New Market
New Windsor
North Beach
North Bethesda
North Brentwood
North Chevy Chase village
North East
North Kensington
North Laurel
North Potomac
Oakland
Ocean City
Ocean Pines
Odenton
Olney
Overlea
Owings
Owings Mills
Oxford
Oxon Hill-Glassmanor
Paramount-Long Meadow
Parkville
Parole
Pasadena
Perry Hall
Perryman
Perryville
Pikesville
Pittsville
Pleasant Hills
Pocomoke City
Poolesville
Port Deposit
Port Tobacco Village
Potomac
Potomac Heights
Preston
Prince Frederick
Princess Anne
Pumphrey
Queen Anne
Queenstown
Randallstown
Redland
Reisterstown
Ridgely
Rising Sun
Riva
Riverdale Park
Riverside
Riviera Beach
Robinwood
Rock Hall
Rockville
Rohrersville
Rosaryville
Rosedale
Rosemont village
Rossmoor
Rossville
St. Charles
St. James
St. Leonard
St. Michaels
Salisbury
San Mar
Savage-Guilford
Seat Pleasant
Secretary
Selby-on-the-Bay
Severn
Severna Park
Shady Side
Sharpsburg
Sharptown
Silver Spring
Smith Island
Smithsburg
Snow Hill
Solomons
Somerset
South Gate
South Kensington
South Laurel
Springdale
Stevensville
Stockton
Sudlersville
Suitland-Silver Hill
Sykesville
Takoma Park
Taneytown
Temple Hills
Templeville
Thurmont
Tilghman Island
Towson
Trappe
Travilah
Union Bridge
University Park
Upper Marlboro
Vienna
Waldorf
Walker Mill
Walkersville
Washington Grove
Westernport
West Laurel
Westminster
West Ocean City
West Pocomoke
Whaleyville
Wheaton-Glenmont
White Marsh
White Oak
Willards
Williamsport
Wilson-Conococheague
Woodlawn CDP (Baltimore County)
Woodlawn CDP (Prince George’s County)
Woodmore
Woodsboro

Are you ready for debt relief help now?

BBB accredited business
BACK
Free Consultation
close slider