Professional Louisiana Debt Relief Company

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 we can help.

Louisiana Debt Relief Testimonials

  • Excellent customer service. Professional, knowledgeable, and thorough explanation. Quick review and easy setup.
    Estelriel
    Madisonville, Louisiana Debt Relief Review
    January 24, 2019
    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.

  • Rian T. was very professional, kind, patient and non-judgmental. He answered all my questions and explained everything that would take place pertaining to my Debt Relief. He walked me through the procedure step-by-step, answering my questions as we went along. Thank you!.
    Marian
    West Monroe, Louisiana Debt Relief Review
    January 18, 2019
    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.

Louisiana Debt Relief Reviews

Louisiana 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.

Louisiana

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

As of 2018, over 4.5 million people called Louisiana home. New Orleans is the largest city in Louisiana. Louisiana is ranked #25 for population and #23 for population density.

Income

The median state income is $46,710. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 27.8% of Louisianan children under 18 live in poverty. For residents overall, 19.7% of all people in Louisiana live under the poverty level.

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

Homeowners in Louisiana

Homeowner More than half (65.5%) of Louisianans hold a mortgage. The median home price in Louisiana is $147,300 (2019). Of course, that median price depends on the location with some areas being much higher.

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

Louisiana Employment

Louisiana has a current unemployment rate of 4.7%. However, the underemployment rate is 9.7%. 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 Louisiana debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and 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. 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 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)

Louisiana Statute of Limitations

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

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

Louisiana 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 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
  • 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, 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.

Pacific Debt Provides Relief to Louisiana Cities

Abbeville
Abita Springs
Addis
Albany village
Alexandria
Ama
Amelia
Amite City
Anacoco village
Angie village
Arabi
Arcadia
Arnaudville
Ashland village
Athens village
Atlanta village
Avondale
Baker
Baldwin
Ball
Barataria
Basile
Baskin village
Bastrop
Baton Rouge
Bayou Cane
Bayou Gauche
Bayou Vista
Belcher village
Belle Chasse
Belle Rose
Benton
Bernice
Berwick
Bienville village
Blanchard
Bogalusa
Bonita village
Boothville-Venice
Bossier City
Boutte
Boyce
Breaux Bridge
Bridge City
Broussard
Brownfields
Brownsville-Bawcomville
Brusly
Bryceland village
Bunkie
Buras-Triumph
Calvin village
Cameron
Campti
Cankton village
Carencro
Carlyss
Castor village
Cecilia
Chackbay
Chalmette
Charenton
Chataignier village
Chatham
Chauvin
Cheneyville
Choudrant village
Church Point
Claiborne
Clarence village
Clarks village
Clayton
Clinton
Colfax
Collinston village
Columbia
Converse village
Cottonport
Cotton Valley
Coushatta
Covington
Crowley
Cullen
Cut Off
Delcambre
Delhi
Delta village
Denham Springs
DeQuincy
De Ridder
Des Allemands
Destrehan
Deville
Dixie Inn village
Dodson village
Donaldsonville
Downsville village
Doyline village
Dry Prong village
Dubach
Dubberly village
Dulac
Duson
East Hodge village
Eastwood
Eden Isle
Edgard
Edgefield village
Elizabeth
Elmwood
Elton
Empire
Epps village
Erath
Eros
Estelle
Estherwood village
Eunice
Evergreen
Farmerville
Fenton village
Ferriday
Fisher village
Florien village
Folsom village
Fordoche
Forest village
Forest Hill village
Fort Polk North
Fort Polk South
Franklin
Franklinton
French Settlement village
Galliano
Gardere
Garyville
Georgetown village
Gibsland
Gilbert village
Gilliam village
Glenmora
Golden Meadow
Goldonna village
Gonzales
Grambling
Gramercy
Grand Cane village
Grand Coteau
Grand Isle
Gray
Grayson village
Greensburg
Greenwood
Gretna
Grosse Tete village
Gueydan
Hackberry
Hahnville
Hall Summit village
Hammond
Harahan
Harrisonburg village
Harvey
Haughton
Haynesville
Heflin village
Henderson
Hessmer village
Hodge village
Homer
Hornbeck
Hosston village
Houma
Ida village
Independence
Inniswold
Iota
Iowa
Jackson
Jamestown village
Jeanerette
Jean Lafitte
Jefferson
Jena
Jennings
Jonesboro
Jonesville
Junction City village
Kaplan
Keachi
Kenner
Kentwood
Kilbourne village
Killian village
Killona
Kinder
Krotz Springs
Labadieville
Lacombe
Lafayette
Lafitte
Lake Arthur
Lake Charles
Lake Providence
Laplace
Larose
Lecompte
Leesville
Leonville
Lillie village
Lisbon village
Livingston
Livonia
Lockport
Logansport
Longstreet village
Loreauville village
Lucky village
Luling
Lutcher
Lydia
McNary village
Madisonville
Mamou
Mandeville
Mangham
Mansfield
Mansura
Many
Maringouin
Marion
Marksville
Marrero
Martin village
Mathews
Maurice village
Melville
Meraux
Mermentau village
Mer Rouge village
Merrydale
Merryville
Metairie
Midway
Minden
Monroe
Montegut
Montgomery
Monticello
Montpelier village
Montz
Mooringsport
Moreauville village
Morgan City
Morganza village
Morse village
Moss Bluff
Mound village
Mount Lebanon
Napoleonville village
Natalbany
Natchez village
Natchitoches
Newellton
New Iberia
New Llano
New Orleans
New Roads
New Sarpy
Noble village
Norco
North Hodge village
North Vacherie
Norwood village
Oakdale
Oak Grove
Oak Hills Place
Oak Ridge village
Oberlin
Oil City
Old Jefferson
Olla
Opelousas
Paincourtville
Palmetto village
Paradis
Parks village
Patterson
Pearl River
Pierre Part
Pine Prairie village
Pineville
Pioneer village
Plain Dealing
Plaquemine
Plaucheville village
Pleasant Hill village
Pollock
Ponchatoula
Port Allen
Port Barre
Port Sulphur
Port Vincent village
Powhatan village
Poydras
Prien
Provencal village
Quitman village
Raceland
Rayne
Rayville
Red Chute
Reeves village
Reserve
Richmond village
Richwood
Ridgecrest
Ringgold
River Ridge
Robeline village
Rodessa village
Rosedale village
Roseland
Rosepine
Ruston
St. Francisville
St. Gabriel
St. Joseph
St. Martinville
St. Rose
Saline village
Sarepta
Schriever
Scott
Shenandoah
Shongaloo village
Shreveport
Sibley
Sicily Island village
Sikes village
Simmesport
Simpson village
Simsboro village
Slaughter village
Slidell
Sorrento
South Mansfield village
South Vacherie
Spearsville village
Springfield
Springhill
Stanley village
Sterlington
Stonewall
Sulphur
Sun village
Sunset
Supreme
Swartz
Taft
Tallulah
Tangipahoa village
Terrytown
Thibodaux
Tickfaw village
Timberlane
Tullos
Turkey Creek village
Urania
Varnado village
Vidalia
Vienna
Village St. George
Ville Platte
Vinton
Violet
Vivian
Waggaman
Walker
Wallace
Washington
Waterproof
Welsh
West Ferriday
Westlake
Westminster
West Monroe
Westwego
White Castle
Wilson village
Winnfield
Winnsboro
Wisner
Woodmere
Woodworth
Youngsville
Zachary
Zwolle

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