Louisiana Debt Relief

Reduce Your Credit Card Debt By Up To Half


Pacific Debt Relief offers the only solution that significantly reduces your debt to less than you currently owe. That means you get debt-free in a fraction of the time it would take with other options.


Save thousands by lowering your debt balance and wiping away years of future interest and payments. Call today for a FREE consultation!

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Pacific Debt Relief Reduces Debt Substantially

Louisiana Debt Relief Reviews

Pacific Debt has helped thousands of people reduce their debt. Since 2002we've settled over $300 million in debt  for our clients. Contact us today to see how we can help.

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Louisiana Debt Relief Testimonials

Madisonville, Louisiana Debt Relief Review
By Mike Nittoli 24 Jan, 2019
Estelriel from Madisonville Louisiana shares a review how Pacific Debt was able to help provide debt relief. Recent LA debt relief review.
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What is Louisiana Debt Relief?


Louisiana Debt relief is debt reduction through debt settlement or consolidation programs. The overall goal is to reduce the amount you pay your creditors. Debt settlement is one option.


Pacific Debt specializes in debt settlement. We focus on an active approach to reduce your debt for less than what you owe and we generally may lower interest rates. Most types of debt qualify for our relief program including credit card bills and collection accounts.


We have a good relationship with many companies, especially credit card companies and other credit businesses and know their settlement averages.


We work with creditors while guiding you through the entire debt relief process. Your manager will keep you appraised and you can call them. We help with your debt management.


Call our certified specialists who will explain all your relief options. Our free analysis will help you make an informed decision about paying your debt.


Call for your free consultation and get a fresh start.


How Does Louisiana Debt Relief Work?


Your first step is a FREE phone call with our specialists who will help you fully understand your position.


Once enrolled, you deposit an monthly payment in an escrowed bank account. Once funds collect, we negotiate a substantial settlement amount with your creditors and then pay your bill. Since 2002,  we've settled over $300 million in credit card debt. 


The program takes from 2-4 years to complete.


If you have bad credit, our program might be perfect for you or your family! If you are considering bankruptcy, definitely speak with our experts.

Is Louisiana Debt Relief Legit?


Pacific Debt is absolutely legit! Just look at our accreditation and ratings!


Contact us for a FREE consultation!


Better Business Bureau of Louisiana


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


What You Can Expect from Our Program

  • Affordable monthly payments based on your budget
  • Resolve your situation in 2-4 years
  • No upfront fees with low monthly fees that vary from 15-25% of the total enrolled amount and state of registration
  • Personal attention from your Account Manager
  • Excellent Customer Service & Support
  • We negotiate a decreased lump sum payment and may lower interest rates

Who Qualifies for Our Program?


In order to qualify for our program, you must meet the following:

  • Total debt amount of at least $10,000 in unsecured debts (credit card debt, payday and personal loans, medical bills, utility bills, collections and repossessions, and some student loans).
  • Difficulty making minimum monthly payments
  • Live in Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Idaho, Indiana, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Mexico, New York, Oklahoma, Pennsylvania, South Dakota, Texas, Utah, Virginia, or Wisconsin

* This information included is for educational purposes only. Since not all states are included in our program, not all clients can enroll in our company. We can connect you with a Trusted Partner.


There are some consequences to settlement including temporary credit report damage. The most serious are potential tax consequences. IRS law considers forgiven amounts as income and you may have an unexpected tax bill. Before pursuing settlement, discuss possible tax consequences with a professional to shield yourself when filing taxes.


Our Accreditation


Pacific Debt Relief is proud to be accredited by the following organizations.

  • The International Association of Professional Debt Arbitrators
  • The Consumer Debt Relief Initiative
  • Better Business Bureau

Always check debt settlement companies for accreditation.


Louisiana Debt Relief Reviews

Pacific Debt has helped thousands of people reduce and pay off their debt. Since 2002,  we've settled over $300 million in debt for our clients. 


Contact us today to see how we can help.


The State of Louisiana


Louisiana is home to New Orleans and Mardi Gras. Jazz was born in the bars and is the place for truly great music. With bayous and gators, college football, and pro sports, Louisiana is a diverse state. The economy ranges from agriculture, predominately sugar cane, to chemical manufacturing and petroleum processing. Louisiana is home to many offshore oil derricks. Many people also know Louisiana for its seafood.


As of 2018, over 4.5 million people are Louisiana residents. New Orleans is the largest city in Louisiana. New Orleans ranked #1 in nightlife (interrnationally) and #2 in dining (nationally). Louisiana is ranked #25 for population and #23 for population density.


Louisiana Income


The median state income is $46,710. As of 2018, the minimum wage is $7.25 per hour. Approximately 27.8% of children under 18 live in poverty. At least 19.7% of Louisiana residents live under the poverty level and are struggling financially.

  • Median state income: $46,710
  • Minimum wage: $7.25/hour
  • Children in poverty: 27.8%
  • People in poverty: 19.7%

Is Louisiana a Community Property State?


Louisiana is a community property state so all assets and debts are owned jointly by spouses. A judge determines how assets and debts are owned. Speak with experienced legal counsel about shared debt.


Community property states include Louisiana, Arizona, California, Texas, Washington, Idaho, NevadaNew Mexico, and Wisconsin.


Homeowners in Louisiana


More than half (65.5%) of Louisianans hold a mortgage. The median home price is $147,300 (2019).

  • Homeowner rate: 65.5%
  • Median home price: $147,300

Louisiana Employment


Louisiana has an unemployment rate of 4.7%. The underemployment rate is 9.7%. Underemployment includes civilian workers who are unemployed, employed part-time, or not seeking employment.


Pacific Debt offers Louisiana debt relief solutions tailored to your unique situation and budget. Our certified counselors will explain your options.

  • Unemployment: 4.7% (2018)
  • Underemployment: 9.7% (2017)

Louisiana Debt


Louisianans carry a lot of debt. The average credit card debt is $4,773 (2018). The average student loan debt is $26,808. All that debt versus the median income and low pay rates make it very easy for Louisianans to get into debt.

  • Avg credit card debt: $4,773 (2018)
  • Avg mortgage debt: $149,294 (2017)
  • Avg student loan debt: $26,808 (2018)

Statute of Limitations of Louisiana


Louisiana's statute of limitations lays out the maximum time that debt collectors can take action against a delinquent debt. These limitations begin on the date that you stop paying your debt and it goes delinquent. Many consumers have aged out debt. If contacted by a debt collector, verify that you must pay the debt.


For debts taken out in Louisiana, the following are the statutes of limitations:

  • Oral agreements: 10 years
  • Written contracts: 10 years
  • Promissory notes: 1 years
  • Credit cards and other revolving loans: 3 years

Louisiana Debt Relief & Debt Consolidation


If you have more debt than you can pay, Pacific Debt can help you pay your debt and live debt free. Since 2002, we've settled over $300 million in debt for our clients. We are a nationally top ranked debt relief company located in San Diego.


We help you work through our proven and comprehensive program. Your certified debt relief counselor reviews all your options. If debt settlement is right, we move forward with our debt consolidation program and work to save you money. Pacific Debt helps 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 Pacific Debt will be there every step of the way to help.


Call us and see how we can help you in paying debts.


Debt Collection Laws in Louisiana


Louisianans 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. The Louisiana Fair Debt Collection Practices Act (LFDCPA) adds more protections.


Other Louisiana Debt Relief Programs


We want you to understand your debt relief options including debt consolidation, credit counseling, and bankruptcy.

Read all program materials prior to enrolling with any program.


Louisiana Debt Consolidation


This rolls all debt into a consolidation loan, often a home equity or personal loan and then focuses on paying off the loan. A good credit history is a necessity. You may consolidate credit card debt using a zero interest balance transfer credit card.


Click learn more about debt consolidation and debt consolidation loans.


Credit Counseling Agency


In credit counseling, a counselor helps you learn how to manage money and finances including developing a budget, helping you understand your credit report and personal finances, and set up a debt management plan.


Credit counseling isbest for someone just getting into debt like credit card debt. InCharge Debt Solutions is one local credit counseling agency.


Click to learn more about Credit Counseling.


Louisiana Bankruptcy 


Bankruptcy is a last resort. This legal action wipes out most debt, severely damages your credit from seven years to ten years, and bankruptcy and bankruptcy attorneys cost a good deal. You may lose many assets in bankruptcy.


Click to learn more about bankruptcy and contact a bankruptcy attorney before filing bankruptcy paperwork.


DISCLAIMER: We are not a bankruptcy law firm and are not offering advice on the law. Bankruptcy is a complex procedure.


Pacific Debt Provides Relief to Louisiana Cities


Debt Collection Laws in Louisiana


Louisianans 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 Louisiana Fair Debt Collection Practices Act (LFDCPA) 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
  • U se/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


Bankruptcy Court Information of Louisiana


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 Louisiana.

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.

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