Hawaii Debt Relief Program, Debt Consolidation Hawaii

Hawaii Debt Relief Agency

Pacific Debt has helped countless people living in Hawaii reduce their debt substantially. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how we can help.

Here at Pacific Debt, we carefully go over your financial situation to customize a debt settlement program that fits your budget. Our debt management plan is aimed at helping those who have their backs against the wall and are having a hard time making minimum payments, or any payments at all!

Hawaii Debt Relief Testimonials

  • Julius was great to work with. He reached out to me quickly and guided me thus far thru the debt consolidation process. Julius is kind, courteous and maintained professionalism throughout the process. I am awaiting my package and for a client representative to call me in a few days. I can’t wait to start rebuilding my credit and being able to save a little money for important things I need for my family and myself. Kindness goes a long way with me and I really am less stressed right now.. well since this morning after spending time with Julius. Thank you.
    Rain
    Honolulu, Hawaii Debt Relief Review
    November 28, 2018
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • I signed on online for a debt relief program. I got a call from Jessica right away. We spoke a few times and ended up speaking to Jennifer the following day. I was hesitant at first. Jennifer explained the whole program. She wasn’t pushy about signing up. She gave me some time to think about it when I asked. After sleeping on it, I decided to sign-up. Jennifer was very helpful. Hopefully everything will work out and I can breathe again.
    Karen
    Honolulu, Hawaii Debt Relief Review
    October 16, 2018
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • It took me a while to call in and take that first step to clear up my credit. I was very reluctant to call. However, after talking to Richard, I felt a whole lot better about my situation. Although I am just starting, I feel that this is going to work for me.
    Donna
    Mililani Town, Hawaii Debt Relief Review
    February 14, 2018
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

Hawaii Debt Relief Reviews

Hawaii 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.

State of Hawaii Statistics

Hawaii is an island paradise.As of 2018, over 1.4 million people called Hawaii home. Honolulu is the largest city and about ½ the state’s population live there. Hawaii is ranked #40 for population and #13 for population density.

Hawaii generates most of its economy through tourism. However, agriculture’s leading crops of sugarcane and pineapple are also the leading ingredients in the manufacturing sector. Hawaii has a rich cultural life and a long and fascinating history.

Income in the State of Hawaii

The median state income in Hawaii is $74923. As of 2018, the minimum wage is $10.10 per hour. Unfortunately, 11% of Hawaiian children under 18 live in poverty. For residents overall, 9.5% of all people in Hawaii live under the poverty level.

  • Median state income: $74,923
  • Minimum wage: $10.10/hour
  • Children in poverty: 11%
  • People in poverty: 9.5%

Homeowners in Hawaii

More than half (58.1%) of Hawaiians hold a mortgage. The median home price in Hawaii is $617,900 (2019). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 58.1%
  • Median home price: $617,900

Hawaii Employment Rate

Hawaii has a current unemployment rate of 2.1%. However, the underemployment rate is 6.0%. 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 Hawaii debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

  • Unemployment: 2.1% (2018)
  • Underemployment: 6.0% (2018)

Hawaii Debt Statistics

Hawaiians carry a lot of debt. The average credit card debt is $8,315 (2018). The average student loan debt is $35,125. 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 Hawaiians to get into debt.

  • Avg credit card debt: $8,315 (2018)
  • Avg mortgage debt: $342,613 (2017) (Third highest in the US)
  • Avg student loan debt: $35,125 (2018)

Hawaii Statute of Limitations

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

  • Oral agreements: 6 years
  • Written contracts: 6 years
  • Promissory notes: 6 years
  • Credit cards and other revolving loans: 6 years

Debt Consolidation Hawaii

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 residents of Hawaii. We are a nationally top ranked debt relief company that helps Hawaii Residents reduce their unsecured debt substantially.

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 in Hawaii

Hawaiians 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 Hawaii Fair Debt Collection Practices Act (HFDCPA) 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:

  • Charge 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 in Hawaii must:

  • Disclose caller identification
  • May contact your family to locate you
  • Must serve you with notice of a lawsuit if suing you

Hawaii 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 Hawaii.

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.

Pacific Debt Provides Relief to Hawaii Cities

Ahuimanu
Aiea
Ainaloa
Anahola
Barbers Point Housing
Captain Cook
Eden Roc
Eleele
Ewa Beach
Ewa Gentry
Ewa Villages
Fern Acres
Fern Forest
Haiku-Pauwela
Halaula
Halawa
Haleiwa
Haliimaile
Hana
Hanalei
Hanamaulu
Hanapepe
Hauula
Hawaiian Acres
Hawaiian Beaches
Hawaiian Ocean View
Hawaiian Paradise Park
Hawi
Heeia
Hickam Housing
Hilo
Holualoa
Honalo
Honaunau-Napoopoo
Honokaa
Honolulu
Honomu
Iroquois Point
Kaaawa
Kaanapali
Kahaluu
Kahaluu-Keauhou
Kahuku
Kahului
Kailua CDP (Hawaii County)
Kailua CDP (Honolulu County)
Kalaheo
Kalaoa
Kalihiwai
Kaneohe
Kaneohe Station
Kapaa
Kapaau
Kapalua
Kaumakani
Kaunakakai
Kawela Bay
Keaau
Kealakekua
Kekaha
Kihei
Kilauea
Koloa
Kualapuu
Kukuihaele
Kurtistown
Lahaina
Laie
Lanai City
Laupahoehoe
Lawai
Leilani Estates
Lihue
Maalaea
Maili
Makaha
Makaha Valley
Makakilo City
Makawao
Maunaloa
Maunawili
Mililani Town
Mokuleia
Mountain View
Naalehu
Nanakuli
Nanawale Estates
Napili-Honokowai
Omao
Orchidlands Estates
Paauilo
Pahala
Pahoa
Paia
Pakala Village
Papaikou
Paukaa
Pearl City
Pepeekeo
Poipu
Princeville
Puako
Puhi
Pukalani
Punaluu
Pupukea
Schofield Barracks
Village Park
Volcano
Wahiawa
Waialua
Waianae
Waihee-Waiehu
Waikane
Waikapu
Waikoloa Village
Wailea-Makena
Wailua
Wailua Homesteads
Wailuku
Waimalu
Waimanalo
Waimanalo Beach
Waimea CDP (Hawaii County)
Waimea CDP (Kauai County)
Wainaku
Waipahu
Waipio
Waipio Acres
Wheeler AFB
Whitmore Village

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