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!

SEE YOUR SAVINGS
Pacific Debt Relief Program Reduces Debt Substantially

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 your assigned Account Manager
  • 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

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.

Get Free Consultation

Missouri Debt Relief Testimonials

Kansas City, Missouri Debt Relief Review
By Mike Nittoli 06 Aug, 2019
Rackel from Kansas City Missouri shares a review how Pacific Debt was able to help provide debt relief. Recent MO debt relief review.
High Ridge, Missouri Debt Relief Review
By Mike Nittoli 21 Feb, 2019
Mark from High Ridge, Missouri shares a story how Pacific Debt was able to help provide debt relief. Recent MO debt relief review.
St. Louis, Missouri Debt Relief Review
11 Sep, 2018
Jimmy from St Louis, Missouri shares a story how Pacific Debt was able to help provide debt relief. Recent MO debt relief review.

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.


Get Free Consultation 


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.


DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.


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.


Get Free Consultation 


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 Offers Debt Relief in Missouri Cities

Adrian

Airport Drive village

Alexandria

Altamont village

Amity

Annada village

Arbela

Arcola village

Arnold

Ashburn

Augusta

Ava

Baker village

Baring

Bates City

Belle

Bel-Nor village

Benton City village

Bertrand

Bevier

Billings

Blackburn

Bland

Blue Eye

Bolckow

Bosworth

Brandsville

Braymer

Bridgeton

Brookline village

Brumley

Buffalo

Burgess

Byrnes Mill

Caledonia village

Calverton Park village

Cameron

Cape Girardeau

Carterville

Cassville

Cedar Hill

Centerview

Chain of Rocks village

Charlack

Chillicothe

Clarksburg

Clarkton

Cleveland

Climax Springs village

Coffey

Commerce village

Coney Island village

Corder

Country Club village

Craig

Creve Coeur

Crystal Lake Park

Dadeville village

Dearborn

Dellwood

Des Arc village

De Witt

Diggins village

Dover

Duenweg

East Lynne

Edgerton

El Dorado Springs

Elmer

Emerald Beach village

Essex

Ewing

Fairfax

Farber

Fenton

Fidelity

Flemington village

Florissant

Foristell

Foster village

Fredericktown

Fremont Hills

Gainesville

Garden City

Gerster

Gilman City

Glenaire

Glenwood village

Gower

Grand Falls Plaza

Granger village

Gray Summit

Greenfield

Greenville

Hale

Hamilton

Harris

Hartville

Hayti

Hazelwood

Hermitage

Highlandville

Hoberg village

Holliday village

Homestead village

Hornersville

Howardville

Humphreys village

Hurdland

Imperial

Ionia

Ironton

Jamesport

Jennings

Josephville village

Kearney

Kidder

Kingdom City village

Kirksville

Koshkonong

La Due village

Lake Lafayette

Lake St. Louis

Lake Waukomis

Lambert village

La Plata

La Tour village

Leadwood

Lee's Summit

Leslie village

Lexington

Lilbourn

Linneus

Lockwood

Longtown

Lucerne village

McBaine

McKittrick

Maitland

Mansfield

Marionville

Marshfield

Maryland Heights

Mayview

Mendon

Meta

Middletown

Miller

Miner

Moberly

Monroe City

Mooresville village

Morrisville

Moundville

Mount Moriah

Naylor

Neosho

Newburg

New Hampton

New Melle

Nixa

North Kansas City

Northwoods

Novinger

Oak Ridge

Oakwood village

Old Appleton

Olympian Village

Orrick

Osgood village

Ozark

Paris

Parkway village

Pasadena Park village

Paynesville village

Perryville

Piedmont

Pine Lawn

Platte Woods

Pleasant Valley

Poplar Bluff

Powersville village

Princeton

Puxico

Randolph village

Raytown

Reeds

Republic

Rich Hill

Ridgely village

River Bend village

Rocheport

Rockville

Rosebud

Rushville

St. Ann

Ste. Genevieve

St. John

St. Mary

St. Thomas

Sarcoxie

Scott City

Senath

Shelbyville

Shoal Creek Drive village

Sikeston

Slater

South Gorin

Spanish Lake

Springfield

Steelville

Stotesbury

Stover

Sugar Creek

Sundown village

Sycamore Hills village

Taneyville village

Thayer

Tindall

Trenton

Truesdale

Twin Bridges village

Union Star

Uplands Park village

Valley Park

Vanduser village

Versailles

Villa Ridge

Waco

Wardsville village

Warson Woods

Waverly

Weatherby Lake

Weldon Spring

Wellsville

Westboro

West Plains

Wheeling

Wilbur Park village

Willow Springs

Winfield

Woodson Terrace

Wright City

Advance

Alba

Allendale

Altenburg

Amoret

Annapolis

Arbyrd

Argyle

Arrow Point village

Ash Grove

Aullville village

Avilla

Bakersfield village

Barnard

Battlefield

Bellefontaine Neighbors

Bel-Ridge village

Berger

Bethany

Biehle village

Birch Tree

Black Jack

Blodgett village

Blue Springs

Bolivar

Bourbon

Branson

Breckenridge

Brimson village

Brooklyn Heights

Brunswick

Bull Creek village

Burlington Junction

Cabool

Calhoun

Camden

Campbell

Cardwell

Carthage

Castle Point

Cedar Hill Lakes village

Centerville

Chain-O-Lakes village

Charleston

Chula

Clarksdale

Claycomo village

Clever

Clinton

Cole Camp

Conception Junction

Conway

Corning

Country Club Hills

Crane

Crocker

Crystal Lakes

Dalton

Deepwater

Delta

Desloge

Dexter

Dixon

Downing

Duquesne village

Easton

Edina

Ellington

Elmira village

Eminence

Ethel

Excelsior Estates village

Fair Grove

Farley village

Ferguson

Fillmore

Flint Hill

Foley

Forsyth

Fountain N' Lakes village

Freeburg village

Frohna

Galena

Gasconade

Gibbs village

Gladstone

Glen Allen

Golden City

Graham

Grandin

Grant City

Greencastle

Green Park

Greenwood

Halfway village

Hanley Hills village

Harrisburg

Hartwell village

Hayti Heights

Henrietta

Higbee

High Ridge

Holcomb

Hollister

Homestown

Houston

Hughesville village

Hunnewell

Hurley

Independence

Irena village

Jackson

Jamestown

Jerico Springs village

Junction City village

Kelso village

Kimberling City

Kingston

Kirkwood

La Belle

Ladue

Lake Lotawana

Lakeshire

Lake Winnebago

La Monte

Laredo

Laurie village

Leasburg village

Leeton

Levasy

Liberal

Lincoln

Lithium village

Lohman

Louisburg village

Ludlow

McCord Bend village

Macks Creek

Malden

Maplewood

Marlborough village

Marston

Maryville

Meadville

Mercer

Metz

Milan

Mill Spring village

Mineral Point

Mokane

Montgomery City

Morehouse

Mosby

Mountain Grove

Mount Vernon

Neck City

Nevada

New Cambria

New Haven

Newtonia

Noel

North Lilbourn village

Norwood

Oak Grove village

Oaks village

Oakwood Park village

Old Monroe

Oran

Osage Beach

Otterville

Pacific

Parkdale village

Parma

Pascola village

Peculiar

Pevely

Pierce City

Pineville

Plattsburg

Pocahontas

Portage Des Sioux

Prairie Home

Purcell

Queen City

Ravenwood

Rayville village

Reeds Spring

Revere

Richland

Ridgeway

Riverside

Rockaway Beach

Rogersville

Rosendale

Russellville

St. Charles

St. Elizabeth village

St. Joseph

St. Paul

Salem

Savannah

Sedalia

Seneca

Sheldon

Shoal Creek Estates

Silex village

Smithton

South Greenfield village

Sparta

Stanberry

Stella

Stotts City

Strafford

Sullivan

Sunrise Beach village

Syracuse

Taos

Theodosia village

Tipton

Trimble

Truxton village

Twin Oaks village

Unionville

Urbana

Van Buren

Velda City

Viburnum

Vinita Park

Walker

Warrensburg

Washburn

Wayland

Weaubleau

Weldon Spring Heights

Wentworth village

West Line village

Westwood village

Whiteman AFB

Wildwood

Wilson City village

Winona

Wooldridge village

Wyaconda

Affton

Albany

Allenville village

Alton

Amsterdam

Anniston

Arcadia

Arkoe

Arrow Rock

Ashland

Aurora

Avondale

Baldwin Park village

Barnett

Bella Villa

Bellerive village

Belton

Berkeley

Bethel village

Bigelow village

Birmingham village

Blackwater

Bloomfield

Blythedale village

Bonne Terre

Bowling Green

Branson West

Breckenridge Hills

Bronaugh

Browning

Bucklin

Bunceton

Butler

Cainsville

California

Camden Point

Canalou

Carl Junction

Caruthersville

Catron

Center

Centralia

Chamois

Chesterfield

Clarence

Clarkson Valley

Clayton

Cliff Village village

Clyde village

Collins village

Concord

Cool Valley

Cosby village

Country Life Acres village

Creighton

Cross Timbers

Cuba

Dardenne Prairie

Deerfield village

Dennis Acres village

De Soto

Diamond

Doniphan

Drexel

Dutchtown village

East Prairie

Edmundson

Ellisville

Elmo

Emma

Eureka

Excelsior Springs

Fair Play

Farmington

Ferrelview village

Fisk

Flordell Hills

Fordland

Fortescue

Frankford

Freeman

Frontenac

Gallatin

Gentry village

Gideon

Glasgow

Glendale

Goodman

Grain Valley

Grand Pass village

Grantwood Village

Green City

Green Ridge

Guilford

Hallsville

Hannibal

Harrisonville

Harwood village

Hayward

Herculaneum

Higginsville

Hillsboro

Holden

Holt

Hopkins

Houstonia

Humansville

Huntleigh

Iatan village

Indian Point village

Irondale

Jacksonville village

Jasper

Jonesburg

Kahoka

Kennett

Kimmswick

Kingsville

Knob Noster

Laclede

La Grange

Lake Mykee Town village

Lakeside

Lamar

Lanagan

La Russell

Lawson

Leawood village

Lemay

Lewis and Clark Village

Liberty

Linn

Livonia village

Loma Linda

Louisiana

Lupus

McFall

Macon

Malta Bend

Marble Hill

Marquand

Marthasville

Matthews

Mehlville

Merriam Woods village

Mexico

Milford village

Milo village

Miramiguoa Park village

Moline Acres

Monticello village

Morley

Moscow Mills

Mountain View

Murphy

Neelyville

Newark village

New Florence

New London

Newtown

Norborne

Northmoor

Norwood Court

Oak Grove

Oakview village

Odessa

Olean

Oregon

Osborn

Overland

Pagedale

Park Hills

Parnell

Passaic

Penermon village

Phillipsburg village

Pilot Grove

Pinhook village

Pleasant Hill

Pollock village

Portageville

Prathersville village

Purdin

Quitman

Raymondville

Rea

Renick village

Rhineland

Richmond

Risco

Riverview village

Rock Hill

Rolla

Rothville village

Rutledge

St. Clair

St. George

St. Louis

St. Peters

Salisbury

Schell City

Sedgewickville village

Seymour

Shell Knob

Shrewsbury

Silver Creek village

Smithville

South Lineville

Spickard

Stark City

Stewartsville

Stoutland village

Strasburg

Summersville

Sunset Hills

Table Rock village

Tarkio

Tightwad village

Town and Country

Triplett

Turney village

Umber View Heights village

Unity Village village

Urich

Vandalia

Velda Village Hills village

Vienna

Vinita Terrace village

Walnut Grove

Warrenton

Washington

Waynesville

Webb City

Wellington

Wentzville

Weston

Wheatland

Whiteside village

Willard

Winchester

Winston village

Worth

Wyatt

Agency village

Aldrich village

Alma

Amazonia village

Anderson

Appleton City

Archie

Armstrong

Asbury

Atlanta

Auxvasse

Bagnell

Ballwin

Barnhart

Bell City

Bellflower

Benton

Bernie

Beverly Hills

Big Lake village

Bismarck

Blairstown

Bloomsdale

Bogard

Boonville

Bragg City

Brashear

Brentwood

Brookfield

Brownington

Buckner

Bunker

Butterfield village

Cairo village

Callao

Camdenton

Canton

Carrollton

Carytown

Cave

Centertown

Chaffee

Champ village

Chilhowee

Clark

Clarksville

Clearmont

Clifton Hill

Cobalt village

Columbia

Concordia

Cooter

Cottleville

Cowgill

Crestwood

Crystal City

Curryville

Darlington village

De Kalb

Denver village

Des Peres

Diehlstadt village

Doolittle

Dudley

Eagleville

Edgar Springs

Eldon

Ellsinore

Elsberry

Eolia village

Everton

Exeter

Fairview

Fayette

Festus

Fleming

Florida village

Forest City

Fort Leonard Wood

Franklin

Freistatt village

Fulton

Galt

Gerald

Gilliam

Glasgow Village

Glen Echo Park village

Gordonville village

Granby

Grandview

Gravois Mills

Greendale

Greentop

Gunn City village

Halltown village

Hardin

Hartsburg

Hawk Point

Haywood City village

Hermann

High Hill

Hillsdale village

Holland

Holts Summit

Horine

Houston Lake

Hume

Huntsville

Iberia

Innsbrook village

Iron Mountain Lake

Jameson

Jefferson City

Joplin

Kansas City

Keytesville

King City

Kinloch

Knox City

Laddonia

Lake Annette

Lake Ozark

Lake Tapawingo

Lamar Heights village

Lancaster

Lathrop

Leadington

Lebanon

Leonard village

Lewistown

Licking

Linn Creek

Lock Springs village

Lone Jack

Lowry City

Luray village

Mackenzie village

Madison

Manchester

Marceline

Marshall

Martinsburg

Maysville

Memphis

Merwin village

Miami

Millard village

Mindenmines

Missouri City

Monett

Montrose

Morrison

Mound City

Mount Leonard

Napoleon

Nelson

New Bloomfield

New Franklin

New Madrid

Niangua

Normandy

North Wardell village

Novelty village

Oakland

Oakville

O'Fallon

Olivette

Oronogo

Osceola

Owensville

Palmyra

Parkville

Pasadena Hills

Pattonsburg

Perry

Pickering

Pilot Knob

Platte City

Pleasant Hope

Polo

Potosi

Preston

Purdy

Qulin

Raymore

Redings Mill village

Rensselaer village

Richards

Richmond Heights

Ritchey

Rives

Rock Port

Roscoe village

Rush Hill village

Saginaw village

St. Cloud village

St. James

St. Martins

St. Robert

Sappington

Scotsdale

Seligman

Shelbina

Sheridan

Sibley village

Skidmore

South Gifford village

South West City

Spokane

Steele

Stockton

Stoutsville village

Sturgeon

Sumner

Sweet Springs

Tallapoosa

Tarrants village

Tina village

Tracy

Troy

Tuscumbia

Union

University City

Utica village

Vandiver village

Verona

Village of Four Seasons village

Vista village

Wardell

Warsaw

Watson village

Weatherby

Webster Groves

Wellston

West Alton

Westphalia

Wheaton

Whitewater

Williamsville

Windsor

Woods Heights

Worthington village

Zalma village

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