Maryland 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!
Maryland Debt Relief Reviews
What are Maryland Debt Relief Programs?
Maryland Debt relief involves the reduction of debt through debt settlement or debt consolidation.
Pacific Debt Relief specializes in debt settlement. We work to reduce your debt for substantially less than you owe. Most types of unsecured debt qualify for our relief program, including credit card debt.
Contact us today for your FREE consultation with no obligation. We can help you choose the best option that makes sense.
Debt settlement requires the debtor to not pay bills in order to make creditors negotiate. This can result in late fees and collector phone calls. Debt settlement causes some credit score damage as a settlement does stay on your credit report for up to seven years. Consider settlement for bills that are very delinquent or already in collections.
Most people considering debt programs do not have a high credit score. Most people who successfully complete our debt settlement plan can see improvements to their credit scores.
Pacific Debt deals directly with your creditors while guiding you throughout the entire process.
Our best-rated settlement programs are available for Maryland residents. Call our certified specialists who will explain all your relief options.
Our free debt analysis will help you make an informed decision. Call to get your free quote for our services.
How Does Debt Relief Work?
Debt relief reduces the amount you owe your creditors so that you can receive financial relief. Debt settlement is one option. Pacific Debt provides relief in the form of debt settlement to Maryland residents, as well as nationally.
The first step for Maryland residents in finding relief is a FREE phone call with one of our debt specialists who can lay out all your options, so you understand your position and what steps need to be taken in order to reduce your debt.
Is Debt Relief Legit?
Pacific Debt has helped countless Maryland residents reduce their debt and live debt free. Since 2002, we've settled over $200 million in credit card debt for our clients. Contact us today to see how we can help.
If you are searching for information on debt consolidation, or a debt management plan in the state of Maryland, you could benefit from a free conversation with our debt specialists. We may be able to help lower your monthly payments or even become debt-free. If you are looking for consolidation loans but have bad credit, our debt settlement program might be perfect for you!
We understand what it's like to have your back against the wall with high-interest rates on your existing debts from creditors or your monthly payments that are out of your reach.
We are experts at debt negotiation so call to work out a custom plan for your financial situation.
We do not require loans - we negotiate to reduce interest rates, offer helpful resources, and a low total monthly payment with no upfront fees. We can help you eliminate debt faster and improve your personal finances.
The Pacific Debt's program works by you depositing an agreed monthly payment amount in your very own escrow bank account. As you build up sufficient funds, we pay off your settled accounts.
The program usually takes between 2-4 years to complete because everyone's financial situation is different.
Take time to understand how debt settlement programs work and all your Maryland relief options.
What to expect from our Maryland Debt Settlement Program
- Affordable monthly payments based on your budget
- Resolve your situation in 2-4 years
- No upfront fees with low monthly fees- fees vary from 15-25% of the total enrolled amount and state of registration.
- Personal attention from our Client Success team
- Repayment plan and possibly lower interest rates.
- Excellent Customer Service & Support
- We negotiate decreased balances and lower interest rates
- We don't lend money and your financial data is safe with us!
Who qualifies for debt settlement?
You must meet the following:
- Outstanding balances of at least $10,000 in unsecured debts (credit card bills, payday loans, personal loans, doctor bills, collections and repossessions, business debts, and some student loans).
- Difficulties making minimum payments.
We are not a full balance debt resolution option. As a result, there are some tax consequences. Before pursuing debt settlement, discuss potential tax consequences with a tax professional.
We are also not a law firm and are not giving legal advice.
Pacific Debt 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 Bureauau
Maryland Debt Relief Testimonials
BBB of Maryland
Pacific Debt Relief is an A+ rated Business with the BBB for debt negotiation services to individuals and families struggling with unsecured debt. We have been accredited since 2010 and in business since 2002.

We have helped countless people struggling to pay their credit card balances. Our debt specialists can help you with a FREE consultation.
Debt Consolidation Maryland Department of Labor 2020 Licensing & Regulation
View the List of Official Debt Settlement Service Providers located in the state of Maryland.
See the Updated State Laws regarding Debt Settlement
The State of Maryland
Maryland offers an incredible history, notable people, and scenery from the ocean to the Appalachians. The Chesapeake Bay is at the heart of the state and our national anthem was inspired at Fort McHenry. Maryland has a diverse economy that supports the federal government, military, and some manufacturing. Maryland is ranked #19 for population and #5 for population density.
As of 2018, over 6 million people called Maryland home. Baltimore is the largest city in Maryland.
Maryland Income
The median state income is $78,945. As of 2018, the minimum wage is $10.10 per hour. Unfortunately, 12.4% of Marylander children under 18 live in poverty. For residents overall, 9.7% of all people in Maryland live under the poverty level.
- Median state income: $78,945
- Minimum wage: $10.10/hour
- Children in poverty: 12.4%
- People in poverty: 9.7%
Is Maryland a Community Property State?
Maryland is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 9 states that are community property state including Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.
In the state of Maryland, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.
Homeowners in Maryland
More than half (66.9%) of Marylanders hold a mortgage. The median home price in Kentucky is $284,000 (2018). Of course, that median price depends on the location with some areas being much higher.
- Homeowner rate: 66.9%
- Median home price: $284,000
Employment in Maryland
Maryland has a current unemployment rate of 4.3%. However, the underemployment rate is 8.1%. 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 Maryland debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.
- Unemployment: 4.3% (2018)
- Underemployment: 8.1% (2017)
Maryland Debt Statistics
Maryland residents carry a lot of debt. The average credit card debt is $7,913 (2018). The average student loan debt is $27,672. In addition, Maryland is in the top 10 states with 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 Maryland consumers to get into debt.
- Avg credit card debt: $7,913 (2018)
- Avg mortgage debt: $256,744(2017)
- Avg student loan debt: $27,672 (2017)
Statute of Limitations in Maryland
Maryland’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 Maryland, the following are the statutes of limitations for different types of debt.
- Oral agreements: 3 years
- Written contracts: 3 years
- Promissory notes: 12 years
- Credit cards and other revolving loans: 3 years
Maryland Debt Relief & 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. We are a nationally top ranked debt relief company located in San Diego.
We will help you work through our proven and comprehensive relief program. Your certified debt settlement counselor will review all your options.
If debt settlement is right for you, we move forward with our settlement plan and work to save money on your enrolled unsecured debt like credit card accounts and medical bills.
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.
We will help you work through our proven program that involves one monthly payment into a savings account.
Debt Collection Laws in Maryland
Marylanders 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 Maryland Fair Debt Collection Practices Act (MFDCPA) 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
MD Bankruptcy Court Information
Bankruptcy is a legal action that can erase most of your debt as well as your credit history.
DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.
The information included on this site is for educational purposes only.
Your state may not qualify for the Pacific Debt, Inc debt relief program. If it does not qualify, we can refer you to a Trusted Partner or assist in connecting you with a provider who offers servicing in your state of residence.
Pacific Debt Relief
We are a nationally top-ranked company specializing in debt settlement and we have helped countless Maryland residents with our national program. Contact our professional debt negotiators today so we can help you too!
Call us and ask our award-winning debt specialists about our settlement program and how it can help you reduce debt faster.
Since we are a national debt relief company, we may be able to help your relatives as well. If we cannot, we will refer you to other programs including debt consolidation programs that we trust.
Other Debt Relief Programs
We are a debt settlement company and have discussed debt settlement in detail. Click here to learn more about debt settlement.
We want you to understand your options and reach financial stability. These include debt consolidation, credit counseling, and bankruptcy.
Read all program materials prior to enrolling with any program.
Debt Consolidation program
Debt consolidation works to consolidate debt by rolling all debt into a low interest rate debt consolidation loan, often home equity loans, or work with a debt consolidation company to set up a consolidation plan.
Click here to learn more about debt consolidation and finding a debt consolidation loan.
Credit Counseling
Credit counseling helps you learn money management including developing a budget, helping you understand your credit score, and set up a debt management program. Look for professional credit counselors from a non-profit credit counseling organization.
Click here to learn more about Credit Counseling.
File Bankruptcy
Filing bankruptcy is a last resort option – this legal action wipes out most of your total debt, severely damages your credit for up to ten years, and is expensive and time-consuming.
Click here to learn more about bankruptcy.
Avoid credit repair services as there is nothing they can do that you cannot do for yourself to improve your credit report.
Contact Pacific Debt today so we can help you with your creditors.
Debt Collection Laws
Maryland s have laws to protect them 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 Maryland Fair Debt Collection Practices Act adds protection against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.
Providing Debt Relief to Maryland Cities
Aberdeen
Adelphi
Arbutus
Aspen Hill
Barnesville
Bel Air South
Berwyn Heights
Boonsboro
Brandywine
Brookmont
Burkittsville
Calvert Beach-Long Beach
Cape St. Claire
Catonsville
Chance
Chesapeake City
Cheverly
Chevy Chase Section Three village
Chillum
Clear Spring
Cockeysville
Columbia
Cresaptown-Bel Air
Cumberland
Deale
Denton
Dunkirk
East Riverdale
Edmonston
Elkton
Fairland
Federalsburg
Forestville
Fountainhead-Orchard Hills
Friendship Village
Funkstown
Garrett Park
Glenarden
Goddard
Grasonville
Green Haven
Halfway
Havre de Grace
Highfield-Cascade
Hillsboro
Hurlock
Jessup
Kensington
Kingsville
Landover Hills
La Plata
Laytonsville
Linganore-Bartonsville
Lonaconing
Lutherville-Timonium
Marlton
Maugansville
Middletown
Mitchellville
Mountain Lake Park
Mount Vernon
New Carrollton
North Bethesda
North Kensington
Ocean City
Overlea
Oxon Hill-Glassmanor
Pasadena
Pikesville
Poolesville
Potomac Heights
Pumphrey
Redland
Riva
Robinwood
Rosaryville
Rossville
St. Michaels
Seat Pleasant
Severna Park
Silver Spring
Solomons
South Laurel
Sudlersville
Taneytown
Tilghman Island
Union Bridge
Waldorf
Westernport
West Pocomoke
White Oak
Woodlawn CDP (Baltimore County)
Aberdeen Proving Ground
Algonquin
Arden-on-the-Severn
Ballenger Creek
Barton
Beltsville
Bethesda
Bowie
Brentwood
Brookview
Burtonsville
Calverton
Capitol Heights
Cavetown
Charlestown
Chesapeake Ranch Estates-Drum Point
Chevy Chase
Chevy Chase View
Church Creek
Clinton
Colesville
Coral Hills
Crisfield
Damascus
Deal Island
Discovery-Spring Garden
Eagle Harbor
Eden
Eldersburg
Ellicott City
Fairmount
Ferndale
Fort Meade
Frederick
Friendsville
Gaithersburg
Garrison
Glen Burnie
Golden Beach
Greater Landover
Greensboro
Hampstead
Hebron
Highland Beach
Hillsmere Shores
Hyattsville
Joppatowne
Kent Narrows
Kitzmiller
Langley Park
Largo
Leitersburg
Linthicum
Londontowne
Manchester
Martin's Additions village
Mayo
Midland
Montgomery Village
Mount Airy
Myersville
New Market
North Brentwood
North Laurel
Ocean Pines
Owings
Paramount-Long Meadow
Perry Hall
Pittsville
Port Deposit
Preston
Queen Anne
Reisterstown
Riverdale Park
Rock Hall
Rosedale
St. Charles
Salisbury
Secretary
Shady Side
Smith Island
Somerset
Springdale
Suitland-Silver Hill
Temple Hills
Towson
University Park
Walker Mill
West Laurel
Whaleyville
Willards
Woodlawn CDP (Prince George's County)
Accident
Andrews AFB
Arnold
Baltimore
Bel Air
Bennsville
Betterton
Bowleys Quarters
Brookeville
Brunswick
Cabin John
Cambridge
Carmody Hills-Pepper Mill Village
Cecilton
Charlotte Hall
Chester
Chevy Chase
Chevy Chase Village
Church Hill
Clover Hill
College Park
Cordova
Crofton
Dames Quarter
Deer Park
District Heights
East New Market
Edgemere
Eldorado
Emmitsburg
Fairmount Heights
Forest Glen
Fort Ritchie
Frenchtown-Rumbly
Frostburg
Galena
Germantown
Glen Echo
Goldsboro
Greater Upper Marlboro
Green Valley
Hampton
Henderson
Hillandale
Hughesville
Indian Head
Keedysville
Kettering
Lake Arbor
Lanham-Seabrook
Laurel
Leonardtown
Lochearn
Luke
Mardela Springs
Marydel
Mays Chapel
Milford Mill
Morningside
Mount Lena
Naval Academy
New Windsor
North Chevy Chase village
North Potomac
Odenton
Owings Mills
Parkville
Perryman
Pleasant Hills
Port Tobacco Village
Prince Frederick
Queenstown
Ridgely
Riverside
Rockville
Rosemont village
St. James
San Mar
Selby-on-the-Bay
Sharpsburg
Smithsburg
South Gate
Stevensville
Sykesville
Templeville
Trappe
Upper Marlboro
Walkersville
Westminster
Wheaton-Glenmont
Williamsport
Woodmore
Accokeek
Annapolis
Ashton-Sandy Spring
Barclay
Bel Air North
Berlin
Bladensburg
Braddock Heights
Brooklyn Park
Bryans Road
California
Camp Springs
Carney
Centreville
Chesapeake Beach
Chestertown
Chevy Chase Section Five village
Chewsville
Clarksburg
Cloverly
Colmar Manor
Cottage City
Crownsville
Darnestown
Delmar
Dundalk
Easton
Edgewood
Elkridge
Essex
Fallston
Forest Heights
Fort Washington
Friendly
Fruitland
Galestown
Girdletree
Glenn Dale
Grantsville
Greenbelt
Hagerstown
Hancock
Herald Harbor
Hillcrest Heights
Huntingtown
Jarrettsville
Kemp Mill
Kingstown
Lake Shore
Lansdowne-Baltimore Highlands
La Vale
Lexington Park
Loch Lynn Heights
Lusby
Marlow Heights
Maryland City
Middle River
Millington
Mount Aetna
Mount Rainier
Newark
North Beach
North East
Oakland
Olney
Oxford
Parole
Perryville
Pocomoke City
Potomac
Princess Anne
Randallstown
Rising Sun
Riviera Beach
Rohrersville
Rossmoor
St. Leonard
Savage-Guilford
Severn
Sharptown
Snow Hill
South Kensington
Stockton
Takoma Park
Thurmont
Travilah
Vienna
Washington Grove
West Ocean City
White Marsh
Wilson-Conococheague
Woodsboro
Disclaimer: In some states, PDR may not be able to offer our services directly due to state regulations related to debt settlement. In those instances, PDR will refer you to a reputable debt relief provider or attorney firm for assistance with your debt. We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state. The information included on this site is for educational purposes only.
Do Not Sell My Personal Information