Missouri 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!

What are Missouri Debt Programs?

Missouri debt programs include debt reduction through settlement or consolidation. 

Pacific Debt Relief specializes in debt settlement. Our debt settlement program works to reduce your debt for less than you owe. Most unsecured debts qualify for the Pacific Debt relief option, including credit card debts.

Pacific Debt debt settlement company works by dealing directly with your creditors including credit card companies while guiding you throughout the entire process.

Our best-rated debt settlement programs are available for Missouri consumers. Call our certified specialists who will explain all your relief options.

Our free debt analysis will help you make an informed decision about your unsecured debt and your financial health.

Call to get your free consultation.

How Do Relief Options Work?

Debt relief reduces the amount you owe your creditors so that you can receive relief for your financial future. Debt settlement is one option. Pacific Debt provides relief in the form of settlement to Missourians, as well as nationally.

The first step for Missouri residents in finding relief is a FREE phone call with one of our specialists who can lay out all your options, so you understand your position and what steps need to be taken in order to reduce the full amount owed.

Is Debt Relief Legit?

Pacific Debt is a debt relief agency that has helped countless Missourians reduce their outstanding full amount and live a better future. Since 2002,  we've settled over $300 million in credit card debt for our clients. 

Contact us today to see how we can help.

Missouri residents searching a debt consolidation plan or for debt management may benefit from a free conversation with our debt specialists.

We may be able to help lower your monthly payments. If you are looking for consolidation loans but have bad credit, our settlement program might be perfect for you!

We are experts at debt negotiation so call for your financial situation.

We negotiate to reduce interest rates, offer helpful resources, and one monthly payment with no upfront fees. Get Free Consultation from our award winning company.

What Clients can expect from Us

• Manageable monthly payment based on your budget
• Resolve your situation in 2-4 years
• No upfront fees with low monthly fee schedules that 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 a decreased lump sum payment and lower interest rates

Who qualifies for debt settlement?

You must meet the following severe debt situations:

• Outstanding debt amount of at least $10,000 in unsecured debts (credit card bills, payday loans, personal loans, medical debt, collection accounts, and repossessions, and some student loans). We do not settle federal 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

* Since not all states are included, not everyone can enroll in our company. People in other states can be connected to one of our trusted partners.

There can be tax consequences to debt settlement as forgiven amounts are considered income. Before pursuing settlement, discuss these consequences with a tax professional.

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

They will clearly go over all your debt relief options and help you choose the best option for your financial situation. Our program will help you by providing you a dedicated account manager who will always be around to update you and answer your questions regarding settling debts.

Settlement may have a negative impact on your credit score but after our program is complete you will be able to clean up your credit report.

Missouri Debt Relief Reviews

Missouri Debt Relief Testimonials

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 client reviews with the BBB.

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Missouri

Missouri is the gateway to the western frontier and has a lot of fascinating history. Missouri has a diverse but weak economy based on agriculture, manufacturing, mining, and tourism. Missouri is ranked #18 for population and #28 for population density.

As of 2018, over 6.1 million people called Missouri home. Kansas City is the largest city in Missouri.

State of Missouri Income

The median household income is $55,016. As of 2018, the minimum wage is $7.85 per hour. Unfortunately, 18.6% of Missouri children under 18 live in poverty. For residents overall, 14% of all people in Missouri live under the poverty level.

• Median state income: $55,016
• Minimum wage: $7.85/hour
• Children in poverty: 18.6%
• People in poverty: 14%

Is Missouri a Community Property State?

Missouri not a community property state. Therefore your assets are not seen as equally owned by you and your spouse.

Currently, only Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin are community property states.

Homeowners in Missouri

More than half (67.6%) of Missourians hold a mortgage. The median home price in Missouri is $152,900 (2018). Of course, that median price depends on the location with some areas being much higher.

• Homeowner rate: 67.6%
• Median home price: $152,900

Missouri Employment Rate

Missouri has a current unemployment rate of 3.6% and is better than the national average. However, the underemployment rate is 7.8%. 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 Missouri debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

• Unemployment: 3.6% (2018)
• Underemployment: 7.8% (2017)

Missouri Debt Statistics

Missouri consumers carry a lot of debt around. The average credit card debt is $6,491 (2018). The average student loan debt is $25,844. Missouri 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 Missourians to get into debt.

• Avg credit card debt: $6,491 (2018)
• Avg mortgage debt: $137,723 (2017)
• Avg student loan debt: $25,844 (2017)

Debt Statute of Limitations Missouri

The debt statute of limitations in Missouri clearly 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. A statute of limitations means the time period a creditor or a debt collector has to file a lawsuit for your unpaid debt.

For debts taken out in Missouri, the following are the statutes of limitations for different types of debt.

• Oral agreements: 6 years
• Written contracts: 10 years
• Promissory notes: 3 years
• Credit cards and other revolving loans: 5 years

Missouri 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 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 card debt, 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.

Missouri Debt Collection Laws

Missourians 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. If you are a victim of any of these actions, you may take legal action against them.

Missouri 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 Missouri.

Other Missouri Debt Relief Programs

We are a debt settlement company and have discussed this in detail. Click here to learn more about debt settlement.

We want you to understand your debt management programs including debt consolidation, credit counseling, and bankruptcy.

Debt Consolidation

This rolls all debt into a low interest rate debt consolidation loan, often using a home equity loan, debt consolidation loan or personal loan . You may want to speak with someone about a debt management plan. Debt consolidation generally works best for someone with a high credit score.

Click here to learn more about debt consolidation and debt consolidation loans.

Credit Counseling Company

Credit counseling helps you learn money management including developing a budget, helping you understand your credit score, and set up a debt management program. Debt management does not involve settlement or interest rate reduction.

Credit counseling may be best for someone just getting into debt.

Look for 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 owed debt, severely damages your credit report for up to ten years, and is expensive and time-consuming.

Click here to learn more about bankruptcy.

Contact Pacific Debt for a free debt evaluation.

Pacific Debt, Inc

We are one of the nationally top-ranked debt settlement companies and we have helped countless Missouri residents get out of debt faster with our national program.

Call us and ask our award-winning debt specialists about our settlement program and how debt settlement works. Remember we offer a free consultation.

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Pacific Debt Offers Debt Relief in Missouri Cities