Michigan 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!
Michigan Debt Relief Reviews
What is Michigan Debt Relief?
Pacific Debt Relief is a leading debt settlement company located in San Diego, California with an excellent track record and reputation. We negotiate with your creditors to lower the amount you owe.
Get a FREE consultation today with no obligation. Let us help you understand your options so you can choose the best one for your situation.
A certified debt specialist can help you understand all your debt relief options and what your best route of action would be. We can also give you a savings estimate to see how much money we can help save you each month. Pacific Debt has one of the best-rated debt settlement programs available for Michigan residents who are eligible for our program.
The secret to debt settlement is that you have to stop paying your bills in order to make creditors willing to negotiate. This action can come with late fees and creditor phone calls.
Debt settlement is a great option to have when you are facing pressure from bill collectors and creditors. We know what it's like to have high-interest rates for unsecured loans, doctor or hospital bills, or credit card debts.
Debt settlement does come with some credit score and credit report damage. Your debt settlement may stay on your credit report for up to seven years and keep you from a high credit score during that time. You should consider debt settlement for debts that are very delinquent or already in collections.
Most people who successfully complete Pacific Debt, Inc's debt relief option can see rapid improvements to their credit scores.
If you live in the state of Michigan and are looking for your best debt relief option for reducing your debt, call us today. Our debt negotiation experts will help guide and explain all your options so you understand them well. Our MI debt relief option can be custom tailored to fit your budget.
Does Michigan Debt Relief Work?
Yes! Reputable debt settlement organizations, especially Pacific Debt Relief, can help you to live debt-free. We have great reviews on our debt settlement process, so check them out.
No debt consolidation loans, no low interest loan, no home equity loans - just lower interest rates, helpful resources, and low total monthly payments and upfront fee disclosures to help you eliminate debt faster and improve your personal finances.
Pacific Debt Relief 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
What Michigan Residents can expect from our Michigan Debt Settlement Services
- An affordable monthly payment based on your budget
- Resolve your situation in 2-4 years, based on national average
- No fees upfront and low monthly fees- fees vary from 15-25% of the total enrolled amount and state of registration
- Personal attention from your assigned Account Manager and Certified Debt Specialist
- Develop a debt management plan and lower negotiated rate and possibly a decreased interest rate. This is not full balance debt resolution.
- Excellent Customer Service & Support
- We negotiate decreased balances and lowered interest rate with individual creditors holding unsecured debt
- We don't lend money and your financial data is safe with us!
- No loans needed
While bankruptcy may seem easier than our debt settlement program, the after-effects of bankruptcy will last at least ten years and can result in poor credit ratings and less than a good credit score.
Michigan Debt Settlement Common Questions
Michigan Debt Relief Reviews / Case Studies
I am on fixed income and I can no longer afford my minimum payments. I want to avoid bankruptcy at all costs. I am looking for a program with a clear end in sight.
Location: Detroit, Michigan
I went through a divorce and had to use the credit to get myself back on my feet. I am making payments on everything but can only afford the minimums. I am, now looking to set a plan in place that will resolve the debts much faster.
Location: Warren, Michigan
Michigan Better Business Bureau
Pacific Debt Relief is an A+ rated business with the BBB. We have been accredited since 2010 and in business since 2002. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.
We have helped thousands of people in Michigan as an accredited debt settlement company. Call us today, we can help you too! We can help you understand all your financial options and create a debt management plan with our debt settlement specialists.
Read our reviews and case studies to see how Pacific Debt helped people eliminate their total enrolled debt. We have a staff of dedicated debt settlement negotiators who are ready to help you.
Be aware that your credit score may take a hit during debt settlement as you will be stopping minimum payments, but should recover with time.
View our NMLS Consumer Access Verification Details
Visit our Google page and review our debt relief reviews from verified customers
Call Us for Immediate Debt Relief Service at 1-800-909-9893
You may also want to enroll in a complete debt counseling program. Get Free Consultation
The State of Michigan
Michigan is central to American automotive history and is home to the Mackinac Island and whose shape is carved from four of the five Great Lakes. Michigan has seventeen Fortune 500 companies, and a diverse economy based on automotive, biotechnology, and information technology. Michigan is ranked #10 for population and #24 for population density.
As of 2018, over 10.7 million people called Michigan home. Detroit is the largest city in Michigan.
Income in Michigan
The median state income is $75,297. As of 2018, the minimum wage is $11.00 per hour. Unfortunately, 13.3% of Michigander children under 18 live in poverty. For residents overall, 10.4% of all people in Michigan live under the poverty level.
- Median state income: $75,297
- Minimum wage: $11.00/hour
- Children in poverty: 13.3%
- People in poverty: 10.4%
Is Michigan a Community Property State?
Michigan is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. In the state of Michigan, 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.
Michigan Homeowners
More than half (72.9%) of Michiganders hold a mortgage. The median home price in Michigan is $149,900 (2018). Of course, that median price depends on the location with some areas being much higher.
- Homeowner rate: 72.9%
- Median home price: $149,900
Michigan Employment
Michigan residents have a current unemployment rate of 4.8%. 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 Michigan debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.
- Unemployment: 4.8% (2018)
- Underemployment: 10.3% (2017)
Michigan Debt
Michiganders carry a lot of debt. The average credit card debt is $6,082 (2018). The average student loan debt is $29,450. Michigan is in the top 10 states with the lowest 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 Michiganders to get into debt.
- Avg credit card debt: $6,082 (2018)
- Avg mortgage debt: $135,240 (2017)
- Avg student loan debt: $29,450 (2017)
Michigan Statute of Limitations
Michigan'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 Michigan, 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
Michigan 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 that involves one monthly payment into a savings account. We may encourage you to enroll in a debt management plan. Your certified debt settlement counselor will review all your debt options. If Michigan debt settlement is right for you, we move forward with our debt settlement plan and work to save money on your enrolled debt. Enrolled debt can include unsecured debt like credit card debt, medical bills, loans, and other unsecured debt.
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 are a nationally top-ranked company specializing in debt settlement and we have helped countless Michigan residents with our national debt relief. Contact us today so we can help you too! Remember we offer free debt analysis and can recommend a good credit counseling agency.
Call us and ask our award winning debt specialists about our Michigan debt 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 can not, we will refer you to other Michigan debt relief programs including debt consolidation programs that we trust. We are leading debt relief company and we want you to be able to trust our recommendations.
Other Debt Relief
We are a debt settlement company and have discussed debt settlement in detail. The quick version is: you (or a company) negotiates with creditors to lower the debt amount of unsecured loans, like credit cards and helps you to save money in order to settle debts. Click here to learn more about debt settlement.
However, we do want you to understand your other options. These include debt consolidation, credit counseling, and bankruptcy.
Michigan Debt Consolidation
This option rolls all debt into a single payment. You apply for a lower interest debt consolidation loan to pay off the debt or work with a debt consolidation program. Click here to learn more about debt consolidation.
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 plan. 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.
Contact Pacific Debt today so we can help you with your creditors.
Debt Collection Laws
Michiganders 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 Michigan 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
Bankruptcy Court Information
Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Michigan.

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
Pacific Debt Provides Debt Relief Michigan Cities
Addison village
Alanson village
Allen village
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Applegate village
Athens village
Au Gres
Baldwin village
Barnes Lake-Millers Lake
Battle Creek
Beaverton
Bellaire village
Benton Heights
Bessemer
Big Rapids
Blissfield village
Boyne City
Bridgeport
Bronson
Buchanan
Burr Oak village
Byron Center
Camden village
Capac village
Carrollton
Casnovia village
Cedar Springs
Centreville village
Cheboygan
Clarksville village
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Coldwater
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Constantine village
Corunna
Cutlerville
Dearborn
Deerfield village
De Witt
Dowagiac
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East Lansing
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Edmore village
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Evart
Farmington Hills
Ferndale
Flint
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Frankfort
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Gaastra
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Grand Ledge
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Grosse Pointe Park
Hamtramck
Harbor Springs
Harrison
Harvey
Hemlock
Hillman village
Holt
Houghton
Hubbard Lake
Hudsonville
Inkster
Ironwood
Jenison
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Kinde village
K. I. Sawyer AFB
Lake City
Lake Odessa village
Lambertville
Lathrup Village
Lennon village
Level Park-Oak Park
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Lost Lake Woods
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Mackinac Island
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Manton
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Melvindale
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Michigamme
Midland
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Monroe
Morenci
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Owendale village
Parchment
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Pewamo village
Pinconning
Plymouth Township
Port Hope village
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Prudenville
Reading
Republic
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Rockford
Romulus
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Saginaw
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Saugatuck
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Shorewood-Tower Hills-Harbert
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Springfield
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Vandercook Lake
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Warren
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West Bloomfield Township
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Burt
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Coleman
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Ellsworth village
Escanaba
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Farwell village
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Hancock
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Haslett
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Houghton Lake
Hubbardston village
Huntington Woods
Ionia
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Keego Harbor
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Lewiston
Linden
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Marlette
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Michigan Center
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Montague
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Norway
Okemos
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Otsego
Owosso
Parma village
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Perry
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Plainwell
Pontiac
Port Huron
Potterville
Quincy village
Redford
Richland village
Robin Glen-Indiantown
Rockwood
Roosevelt Park
Roseville
Saginaw Township North
St. Clair Shores
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Stanton
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Sturgis
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Troy
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Utica
Vassar
Village of Clarkston
Walker
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Wayne
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Wixom
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Wyoming
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Auburn
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Berkley
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Bloomfield Township
Breckenridge village
Brighton
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Burton
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Center Line
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Chesaning village
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Clinton
Coloma
Comstock Park
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Crystal Falls
Dansville village
Decatur village
Detroit
Dimondale village
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East Jordan
East Tawas
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Fowlerville village
Fraser
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Grosse Pointe Woods
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Richmond
Rochester
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Roscommon village
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St. Helen
St. Louis
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Shields
Southfield
South Lyon
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Springport village
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Stevensville village
Sunfield village
Tawas City
Temperance
Traverse City
Turner village
Ubly village
Vandalia village
Vermontville village
Village of Lake Isabella village
Walkerville village
Watervliet
Webberville village
West Ishpeming
Westwood
Whitmore Lake
Wolf Lake
Woodland village
Yale
Akron village
Allegan
Alma
Ann Arbor
Ashley village
Auburn Hills
Bad Axe
Baraga village
Barton Hills village
Bear Lake village
Belding
Benton Harbor
Berrien Springs village
Big Bay
Birmingham
Bloomingdale village
Breedsville village
Britton village
Brownlee Park
Burlington village
Byron village
Calumet village
Canton
Caro village
Caseville village
Cassopolis village
Central Lake village
Chatham village
Clare
Clifford village
Clio
Colon village
Concord village
Copper City village
Custer village
Davison
Deckerville village
Detroit Beach
Douglas village
Durand
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Eastwood
Edgemont Park
Elk Rapids village
Emmett village
Estral Beach village
Farmington
Fenton
Flat Rock
Forestville village
Frankenmuth
Freeland
Fruitport village
Galesburg
Gaylord
Gobles
Grand Haven
Grant
Greenville
Grosse Pointe Farms
Gwinn
Harbor Beach
Harrison
Hartford
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Highland Park
Holly village
Hopkins village
Howell
Hudson
Indian River
Iron River
Jackson
Kaleva village
Kentwood
Kingston village
Lake Ann village
Lake Michigan Beach
Lakewood Club village
Lapeer
Lawton village
Leslie
Lincoln village
Livonia
Luna Pier
McBride village
Mancelona village
Manitou Beach-Devils Lake
Marine City
Marshall
Mattawan village
Melvin village
Menominee
Michiana village
Middleville village
Millersburg village
Mio
Montrose
Mount Clemens
Mulliken village
Napoleon
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Northville
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Omer
Ontonagon village
Ossineke
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Palmer
Paw Paw Lake
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Prescott village
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Reese village
River Rouge
Rochester Hills
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Royal Oak
St. Charles village
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Saline
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Scottville
Shepherd village
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Stambaugh
Stephenson
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Suttons Bay village
Taylor
Thompsonville village
Trenton
Tustin village
Union City village
Vanderbilt village
Vernon village
Wakefield
Walled Lake
Waverly
Weidman
Westland
White Cloud
Whittemore
Wolverine village
Woodland Beach
Ypsilanti
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.
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