Florida Debt Relief Reviews / Case Studies

Miami Florida debt relief consolidation reviewsIn Dec 2011 I lost my job. I had zero debt at the time. I had to use the cards and my saving to stay afloat. I am now looking catch up on the debts on soon as possible. I am making payments but can only afford the minimums. Read Case Study

Location: Miami, Florida

Tampa Florida debt relief consolidation reviewsOver time it has become too difficult to keep up with the payments and my accounts started to fall behind. Read Case Study

Location: Tampa, Florida
Read more Florida debt relief reviews and case studies to see how Pacific Debt helped people eliminate and settle their debt.

Florida

Florida is supposed to have the fountain of youth. Its weather and beaches have made it a popular destination for snowbirds. It ranges from bustling city life to the silence of the Everglades. As a result, Florida is ranked #3 for population and #9 for population density.

As of 2017, over 21 million people called Florida home. Jacksonville is ranked as the 12th largest city in the US.

Income

The median state income is $50,860. As of 2018, the minimum wage is $8.25 per hour. Unfortunately, 21.3% of Floridan children under 18 live in poverty. For residents overall, 14.7% of all people in Florida live under the poverty level.

  • Median state income: $50,860
  • Minimum wage: $8.25/hour
  • Children in poverty: 21.3%
  • People in poverty: 14.7%

Is Florida a Community Property State?

Unfortunately, Florida is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states.  In the state of Florida, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.

There are 10 community property states in which the state sees your assets as community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

Homeowners

More than half (64.1%) for Floridians hold a mortgage. The median home price in Florida topped $200,000 (2018) for the first time. Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 64.1%
  • Median home price: $200,000

Employment

Florida has recovered from the depression and the current unemployment rate is 3.9%. However, the underemployment rate is 10.3%. 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 Florida debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget, and explain your options.

  • Unemployment: 3.9% (2018)
  • Underemployment: 10.3% (2017)

Florida Debt

Floridians carry a lot of debt. The average credit card debt is $6,388 (2018). The average student loan debt is lower than the US average but is $24,461. 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 Floridians to get into debt.

  • Avg credit card debt: $6,388 (2018)
  • Avg mortgage debt: $183,016 (2017)
  • Avg student loan debt: $24,461 (2017) (2016)

Florida Statute of Limitations

Florida’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 Florida, the following are the statutes of limitations for different types of debt.

  • Oral agreements: 4 years
  • Written contracts: 5 years
  • Promissory notes: 5 years
  • Credit cards and other revolving loans: 4 years

Florida 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

Floridians 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 Florida Consumer Collection Practices Act (FCCPA) 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
  • Must sue you in the county where you first incurred the debt

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 Florida.

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.

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.

Florida Debt Relief Reviews

by Marilyn
I was amazed at how easy it was to get…
I was amazed at how easy it was to get the program started. The customer representative was very nice and informative. I was very happy with everything especially knowing I can get my financial problems cleared up in two years.
by Customer
Painless Process
Painless process. Reps are knowledgeable and understanding to your specific needs. Answers every concern without talking your ears off. I really like the fact that they will make every effort to help with your financial concerns.
by Customer
Thank you for being there in this time of need!
Thank you for being there in this time of need. I want to pay my bills but I lost my job and can no longer afford to pay them. Thank you !!!

Florida Counties Served by Pacific Debt

Alachua
Alford
Altamonte Springs
Altha
Altoona
Alva
Andover
Andrews
Anna Maria
Apalachicola
Apollo Beach
Apopka
Arcadia
Archer
Asbury Lake
Astatula
Astor
Atlantic Beach
Atlantis
Auburndale
Aventura
Avon Park
Azalea Park
Babson Park
Bagdad
Baldwin
Bal Harbour village
Bartow
Bascom
Bay Harbor Islands
Bay Hill
Bay Lake
Bayonet Point
Bay Pines
Bayport
Bayshore Gardens
Beacon Square
Bee Ridge
Bell
Bellair-Meadowbrook Terrace
Belleair
Belleair Beach
Belleair Bluffs
Belleair Shore
Belle Glade
Belle Glade Camp
Belle Isle
Belleview
Bellview
Beverly Beach
Beverly Hills
Big Coppitt Key
Big Pine Key
Biscayne Park village
Bithlo
Black Diamond
Bloomingdale
Blountstown
Boca Del Mar
Boca Pointe
Boca Raton
Bokeelia
Bonifay
Bonita Springs
Bonnie Lock-Woodsetter North
Boulevard Gardens
Bowling Green
Boyette
Boynton Beach
Bradenton
Bradenton Beach
Brandon
Branford
Brent
Briny Breezes
Bristol
Broadview Park
Broadview-Pompano Park
Bronson
Brooker
Brookridge
Brooksville
Broward Estates
Brownsville
Buckhead Ridge
Buckingham
Bunche Park
Bunnell
Burnt Store Marina
Bushnell
Butler Beach
Callahan
Callaway
Campbell
Campbellton
Canal Point
Cape Canaveral
Cape Coral
Captiva
Carol City
Carrabelle
Carver Ranches
Caryville
Casselberry
Cedar Grove
Cedar Key
Celebration
Center Hill
Century
Century Village
Chambers Estates
Charleston Park
Charlotte Harbor
Charlotte Park
Chattahoochee
Cheval
Chiefland
Chipley
Chokoloskee
Christmas
Chula Vista
Chuluota
Cinco Bayou
Citrus Hills
Citrus Park
Citrus Ridge
Citrus Springs
Clearwater
Clermont
Cleveland
Clewiston
Cloud Lake
Cocoa
Cocoa Beach
Cocoa West
Coconut Creek
Coleman
Collier Manor-Cresthaven
Combee Settlement
Conway
Cooper City
Coral Gables
Coral Springs
Coral Terrace
Cortez
Cottondale
Country Club
Country Estates
Country Walk
Crescent Beach
Crescent City
Crestview
Crooked Lake Park
Cross City
Crystal Lake CDP (Broward County)
Crystal Lake CDP (Polk County)
Crystal River
Crystal Springs
Cudjoe Key
Cutler
Cutler Ridge
Cypress Gardens
Cypress Lake
Cypress Lakes
Cypress Quarters
Dade City
Dade City North
Dania Beach
Davenport
Davie
Daytona Beach
Daytona Beach Shores
De Bary
Deerfield Beach
De Funiak Springs
De Land
De Land Southwest
De Leon Springs
Delray Beach
Deltona
Desoto Lakes
Destin
Doctor Phillips
Doral
Dover
Duck Key
Dundee
Dunedin
Dunes Road
Dunnellon
Eagle Lake
East Bronson
East Dunbar
East Lake
East Lake-Orient Park
East Palatka
East Perrine
Eastpoint
East Williston
Eatonville
Ebro
Edgewater
Edgewater
Edgewood
Eglin AFB
Egypt Lake-Leto
Elfers
Ellenton
El Portal village
Englewood
Ensley
Estates of Fort Lauderdale
Estero
Esto
Eustis
Everglades
Fairview Shores
Fanning Springs
Feather Sound
Fellsmere
Fernandina Beach
Ferndale
Fern Park
Ferry Pass
Fisher Island
Fish Hawk
Five Points
Flagler Beach
Floral City
Florida City
Florida Ridge
Forest City
Fort Lauderdale
Fort Meade
Fort Myers
Fort Myers Beach
Fort Myers Shores
Fort Pierce
Fort Pierce North
Fort Pierce South
Fort Walton Beach
Fort White
Fountainbleau
Franklin Park
Freeport
Fremd Village-Padgett Island
Frostproof
Fruit Cove
Fruitland Park
Fruitville
Fussels Corner
Gainesville
Gandy
Gateway
Geneva
Gibsonia
Gibsonton
Gifford
Gladeview
Glencoe
Glen Ridge
Glen St. Mary
Glenvar Heights
Godfrey Road
Golden Beach
Golden Gate
Golden Glades
Golden Heights
Golden Lakes
Goldenrod
Golf village
Gonzalez
Goodland
Gotha
Goulding
Goulds
Graceville
Grand Ridge
Greater Carrollwood
Greater Northdale
Greater Sun Center
Greenacres
Green Cove Springs
Green Meadow
Greensboro
Greenville
Greenwood
Gretna
Grove City
Groveland
Gulf Breeze
Gulf Gate Estates
Gulfport
Gulf Stream
Gun Club Estates
Haines City
Hallandale
Hampton
Hamptons at Boca Raton
Harbor Bluffs
Harbour Heights
Harlem
Harlem Heights
Hastings
Havana
Haverhill
Hawthorne
Heathrow
Hernando
Hernando Beach
Hialeah
Hialeah Gardens
Highland Beach
Highland City
Highland Park village
High Point CDP (Hernando County)
High Point CDP (Palm Beach County)
High Springs
Hiland Park
Hillcrest Heights
Hilliard
Hill ‘n Dale
Hillsboro Beach
Hillsboro Pines
Hillsboro Ranches
Hobe Sound
Holden Heights
Holiday
Holly Hill
Hollywood
Holmes Beach
Homestead
Homestead Base
Homosassa
Homosassa Springs
Horseshoe Beach
Howey-in-the-Hills
Hudson
Hunters Creek
Hutchinson Island South
Hypoluxo
Immokalee
Indialantic
Indian Creek village
Indian Harbour Beach
Indian River Estates
Indian River Shores
Indian Rocks Beach
Indian Shores
Indiantown
Inglis
Interlachen
Inverness
Inverness Highlands North
Inverness Highlands South
Inwood
Iona
Islamorada
Islandia
Istachatta
Ivanhoe Estates
Ives Estates
Jacksonville
Jacksonville Beach
Jacob City
Jan Phyl Village
Jasmine Estates
Jasper
Jay
Jennings
Jensen Beach
June Park
Juno Beach
Juno Ridge
Jupiter
Jupiter Inlet Colony
Jupiter Island
Kathleen
Kendale Lakes
Kendall
Kendall Green
Kendall West
Kenneth City
Kensington Park
Key Biscayne village
Key Colony Beach
Key Largo
Keystone
Keystone Heights
Key West
Kings Point
Kissimmee
Labelle
Lacoochee
La Crosse
Lady Lake
Laguna Beach
Lake Alfred
Lake Belvedere Estates
Lake Buena Vista
Lake Butler
Lake Butter
Lake City
Lake Clarke Shores
Lake Forest
Lake Hamilton
Lake Harbor
Lake Hart
Lake Helen
Lake Kathryn
Lakeland
Lakeland Highlands
Lake Lindsey
Lake Lorraine
Lake Lucerne
Lake Mack-Forest Hills
Lake Magdalene
Lake Mary
Lake Panasoffkee
Lake Park
Lake Placid
Lake Sarasota
Lakes by the Bay
Lakeside
Lakeside Green
Lake Wales
Lakewood Park
Lake Worth
Lake Worth Corridor
Land O’ Lakes
Lantana
Largo
Lauderdale-by-the-Sea
Lauderdale Lakes
Lauderhill
Laurel
Laurel Hill
Lawtey
Layton
Lazy Lake village
Lecanto
Lee
Leesburg
Lehigh Acres
Leisure City
Leisureville
Lely
Lely Resort
Lighthouse Point
Limestone Creek
Lisbon
Live Oak
Loch Lomond
Lochmoor Waterway Estates
Lockhart
Longboat Key
Longwood
Loughman
Lower Grand Lagoon
Lutz
Lynn Haven
Macclenny
McGregor
McIntosh
Madeira Beach
Madison
Maitland
Malabar
Malone
Manalapan
Manasota Key
Manattee Road
Mango
Mangonia Park
Marathon
Marco Island
Margate
Marianna
Marineland
Mary Esther
Masaryktown
Mascotte
Matlacha
Matlacha Isles-Matlacha Shores
Mayo
Meadow Woods
Medley
Medulla
Melbourne
Melbourne Beach
Melbourne Village
Melrose Park
Memphis
Merritt Island
Mexico Beach
Miami
Miami Beach
Miami Gardens
Miami Lakes
Miami Shores village
Miami Springs
Micanopy
Micco
Middleburg
Midway
Midway
Milton
Mims
Minneola
Miramar
Miramar Beach
Mission Bay
Molino
Monticello
Montverde
Moore Haven
Mount Dora
Mount Plymouth
Mulberry
Myrtle Grove
Naples
Naples Manor
Naples Park
Naranja
Nassau Village-Ratliff
Neptune Beach
Newberry
New Port Richey
New Port Richey East
New Smyrna Beach
Niceville
Nobleton
Nokomis
Noma
Norland
North Andrews Gardens
North Bay Village
North Beach
North Brooksville
North De Land
North Fort Myers
North Key Largo
North Lauderdale
North Miami
North Miami Beach
North Palm Beach village
North Port
North Redington Beach
North River Shores
North Sarasota
North Weeki Wachee
Oak Hill
Oakland
Oakland Park
Oak Point
Oak Ridge
Ocala
Ocean Breeze Park
Ocean City
Ocean Ridge
Ocoee
Odessa
Ojus
Okahumpka
Okeechobee
Oldsmar
Olga
Olympia Heights
Opa-locka
Opa-locka North
Orange City
Orange Park
Orangetree
Orchid
Orlando
Orlovista
Ormond Beach
Ormond-By-The-Sea
Osprey
Otter Creek
Oviedo
Pace
Page Park
Pahokee
Paisley
Palatka
Palm Aire
Palm Bay
Palm Beach
Palm Beach Gardens
Palm Beach Shores
Palm City
Palm Coast
Palmetto
Palmetto Estates
Palm Harbor
Palmona Park
Palm River-Clair Mel
Palm Shores
Palm Springs village
Palm Springs North
Palm Valley
Panama City
Panama City Beach
Paradise Heights
Parker
Parkland
Paxton
Pebble Creek
Pelican Bay
Pembroke Park
Pembroke Pines
Penney Farms
Pensacola
Perry
Pierson
Pine Castle
Pinecrest village
Pine Hills
Pine Island
Pine Island Center
Pine Island Ridge
Pine Lakes
Pineland
Pinellas Park
Pine Manor
Pine Ridge CDP (Citrus County)
Pine Ridge CDP (Collier County)
Pinewood
Pittman
Placid Lakes
Plantation
Plantation
Plantation Island
Plantation Mobile Home Park
Plant City
Poinciana
Polk City
Pomona Park
Pompano Beach
Pompano Beach Highlands
Pompano Estates
Ponce de Leon
Ponce Inlet
Port Charlotte
Port La Belle
Port Orange
Port Richey
Port St. Joe
Port St. John
Port St. Lucie
Port St. Lucie-River Park
Port Salerno
Pretty Bayou
Princeton
Progress Village
Punta Gorda
Punta Rassa
Quincy
Raiford
Ramblewood East
Ravenswood Estates
Reddick
Redington Beach
Redington Shores
Richmond Heights
Richmond West
Ridgecrest
Ridge Manor
Ridge Wood Heights
Rio
Riverland Village
Riverview
Riviera Beach
Rock Island
Rockledge
Rolling Oaks
Roosevelt Gardens
Roseland
Rotonda
Royal Palm Beach village
Royal Palm Estates
Royal Palm Ranches
Ruskin
Safety Harbor
St. Augustine
St. Augustine Beach
St. Augustine Shores
St. Augustine South
St. Cloud
St. George
St. James City
St. Leo
St. Lucie village
St. Marks
St. Pete Beach
St. Petersburg
Samoset
Samsula-Spruce Creek
San Antonio
San Carlos Park
Sandalfoot Cove
Sanford
Sanibel
Sarasota
Sarasota Springs
Satellite Beach
Sawgrass
Schall Circle
Scott Lake
Sea Ranch Lakes village
Sebastian
Sebring
Seffner
Seminole
Seminole Manor
Sewall’s Point
Shady Hills
Shalimar
Sharpes
Siesta Key
Silver Lake
Silver Springs Shores
Sky Lake
Sneads
Solana
Sopchoppy
Sorrento
South Apopka
South Bay
South Beach
South Bradenton
South Brooksville
Southchase
South Daytona
Southeast Arcadia
Southgate
South Gate Ridge
South Highpoint
South Miami
South Miami Heights
South Palm Beach
South Pasadena
South Patrick Shores
South Sarasota
South Venice
Springfield
Spring Hill
Spring Lake
Stacey Street
Starke
Stock Island
Stuart
Sugarmill Woods
Suncoast Estates
Sunny Isles Beach
Sunrise
Sunset
Sunshine Acres
Sunshine Ranches
Surfside
Sweetwater
Sylvan Shores
Taft
Tallahassee
Tamarac
Tamiami
Tampa
Tangelo Park
Tangerine
Tarpon Springs
Tavares
Tavernier
Taylor Creek
Tedder
Temple Terrace
Tequesta village
Terra Mar
The Crossings
The Hammocks
The Meadows
The Villages
Thonotosassa
Three Lakes
Three Oaks
Tice
Tierra Verde
Tildenville
Timber Pines
Titusville
Town ‘n’ Country
Treasure Island
Trenton
Trinity
Twin Lakes
Tyndall AFB
Umatilla
Union Park
University
University Park
Upper Grand Lagoon
Utopia
Valparaiso
Valrico
Vamo
Venice
Venice Gardens
Vernon
Vero Beach
Vero Beach South
Village Park
Villages of Oriole
Villano Beach
Villas
Vineyards
Virginia Gardens village
Wabasso
Wabasso Beach
Wahneta
Waldo
Warm Mineral Springs
Warrington
Washington Park
Watertown
Wauchula
Wausau
Waverly
Webster
Wedgefield
Weeki Wachee
Weeki Wachee Gardens
Wekiwa Springs
Welaka
Wellington village
Wesley Chapel
Wesley Chapel South
West and East Lealman
West Bradenton
Westchase
Westchester
West De Land
Westgate-Belvedere Homes
West Ken-Lark
West Little River
West Melbourne
West Miami
Weston
West Palm Beach
West Pensacola
West Perrine
West Samoset
West Vero Corridor
Westview
Westville
Westwood Lakes
Wewahitchka
Whiskey Creek
Whisper Walk
White City
White Springs
Whitfield
Wildwood
Williamsburg
Williston
Williston Highlands
Willow Oak
Wilton Manors
Wimauma
Windermere
Winston
Winter Beach
Winter Garden
Winter Haven
Winter Park
Winter Springs
Woodville
Worthington Springs
Wright
Yalaha
Yankeetown
Yeehaw Junction
Yulee
Zellwood
Zephyrhills
Zephyrhills North
Zephyrhills South
Zephyrhills West
Zolfo Springs

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