New York Debt Relief Reviews / Case Studies

Buffalo New York debt relief reviews consolidation & debt settlementI was diagnosed with cancer and I will be going be going through treatment and I will be going on disabilty therefore my income will decrease. I will not be able to continue to make these payments so I reached out for help to pay off my debt once and for all. Read Case Study

Location: Buffalo, New York

Rochester New York debt releif and consolidation settlement reviewsI was in over my head with monthly payments on my credit cards and I began to fall behind. I reached out for assistance with my debt to pay off my credit cards and avoid bankruptcy. Read Case Study

Location: Rochester, New York
Read more New York debt relief reviews and case studies to see how Pacific Debt helped people eliminate their debt.

New York

New York seems to be the center of the universe. Everyone knows New York City. Many of our ancestors passed through Ellis Island and New York City on their way to America. The rest of the state offers beautiful scenery, rich farming, and lovely mountains. Between New York City and the rest of the state, New York is ranked #3 for population and #7 for population density.

As of 2018, almost 20 million people called New York home. New York City is the largest city in the US and is the 24th largest city in the world.

Income

The median state income is $62,909. As of 2018, the minimum wage is $11.00 per hour. Compared to other states, that minimum wage seems high, but when compared to the cost of living, it is very easy to get into debt. Unfortunately, 20.4% of New Yorker children under 18 live in poverty. For residents overall, 14.7% of all people in New York live under the poverty level.

  • Median state income: $62,909
  • Minimum wage: $11.00/hour
  • Children in poverty: 20.4%
  • People in poverty: 14.7%

Is New York a Community Property State?

Unfortunately, New York is not a community property state. Therefore your assets are not seen as 50/50 owned by you and your spouse. There are 10 states that are community property states, or a marital property state.  In the state of New York, the judge will decide which assets are shared by you and your spouse, and what the equity is.

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.

Homeowners

More than half (51.1%) of New Yorkers hold a mortgage. The median home price in New York State is $282,100 (2018). Of course, that median price depends on the location with some areas being much higher. In NYC, the median home price is $674,500.

  • Homeowner rate: 51.1%
  • Median home price: $282,100

Employment

New York has a current unemployment rate of 4.6%. However, the underemployment rate is 9.4%. 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 New York debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget, and explain your options.

  • Unemployment: 4.6% (2018)
  • Underemployment: 9.4% (2017)

New York Debt

New Yorkers carry a lot of debt. The average credit card debt is $3,710 (2017). The average student loan debt is higher than the US average at $32,200. 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 New Yorkers to get into debt.

  • Avg credit card debt: $3,710 (2017)
  • Avg mortgage debt: $243,244 (2017)
  • Avg student loan debt: $32,200 (2017)

New York Statute of Limitations

New York’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 New York, 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: 4-6 years

New York 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

New Yorkers 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 New York Fair Debt Collection Practices Act (NYFDCPA) 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 as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in New York.

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.

New York 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.

New York Cities Served by Pacific Debt

Accord
Adams village
Adams Center
Addison village
Afton village
Airmont village
Akron village
Albany
Albertson
Albion village
Alden village
Alexander village
Alexandria Bay village
Alfred village
Allegany village
Almond village
Altamont village
Altmar village
Altona
Amagansett
Amenia
Ames village
Amityville village
Amsterdam
Andes village
Andover village
Angelica village
Angola village
Angola on the Lake
Antwerp village
Apalachin
Aquebogue
Arcade village
Ardsley village
Argyle village
Arkport village
Arlington
Armonk
Asharoken village
Athens village
Atlantic Beach village
Attica village
Auburn
Aurora village
Au Sable Forks
Averill Park
Avoca village
Avon village
Babylon village
Bainbridge village
Baiting Hollow
Baldwin
Baldwin Harbor
Baldwinsville village
Ballston Spa village
Balmville
Bardonia
Barker village
Barneveld village
Barnum Island
Batavia
Bath village
Baxter Estates village
Bay Park
Bayport
Bay Shore
Bayville village
Baywood
Beacon
Beaverdam Lake-Salisbury Mills
Bedford
Bellerose village
Bellerose Terrace
Belle Terre village
Bellmore
Bellport village
Belmont village
Bemus Point village
Bergen village
Bethpage
Big Flats
Big Flats Airport
Billington Heights
Binghamton
Black River village
Blasdell village
Blauvelt
Bloomfield village
Bloomingburg village
Blue Point
Bohemia
Bolivar village
Boonville village
Brasher Falls-Winthrop
Brentwood
Brewerton
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Brewster Hill
Briarcliff Manor village
Bridgehampton
Bridgeport
Bridgewater village
Brighton
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Brinckerhoff
Broadalbin village
Brockport village
Brocton village
Bronxville village
Brookhaven
Brookville village
Brownville village
Brushton village
Buchanan village
Buffalo
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Burke village
Cairo
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Callicoon
Calverton
Cambridge village
Camden village
Camillus village
Canajoharie village
Canandaigua
Canaseraga village
Canastota village
Candor village
Canisteo village
Canton village
Cape Vincent village
Carle Place
Carmel Hamlet
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Castile village
Castleton-on-Hudson village
Castorland village
Cato village
Catskill village
Cattaraugus village
Cayuga village
Cayuga Heights village
Cazenovia village
Cedarhurst village
Celoron village
Centereach
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Centerport
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Central Square village
Central Valley
Centre Island village
Champlain village
Chappaqua
Chateaugay village
Chatham village
Chaumont village
Cheektowaga
Cherry Creek village
Cherry Valley village
Chester village
Chestnut Ridge village
Chittenango village
Churchville village
Clarence Center
Clark Mills
Claverack-Red Mills
Clayton village
Clayville village
Cleveland village
Clifton Springs village
Clinton village
Clintondale
Clyde village
Cobleskill village
Coeymans
Cohocton village
Cohoes
Cold Brook village
Cold Spring village
Cold Spring Harbor
Colonie village
Commack
Congers
Constableville village
Constantia
Cooperstown village
Copake Lake
Copenhagen village
Copiague
Coram
Corfu village
Corinth village
Corning
Cornwall on Hudson village
Cortland
Cortland West
Country Knolls
Cove Neck village
Coxsackie village
Cragsmoor
Croghan village
Crompond
Croton-on-Hudson village
Crown Heights
Crugers
Cuba village
Cumberland Head
Cutchogue
Dannemora village
Dansville village
Deer Park
Deferiet village
Delanson village
Delevan village
Delhi village
Delmar
Depauville
Depew village
Deposit village
Dering Harbor village
DeRuyter village
Dexter village
Dix Hills
Dobbs Ferry village
Dolgeville village
Dover Plains
Dresden village
Dryden village
Duane Lake
Duanesburg
Dundee village
Dunkirk
Earlville village
East Atlantic Beach
East Aurora village
Eastchester
East Farmingdale
East Garden City
East Glenville
East Greenbush
East Hampton village
East Hampton North
East Hills village
East Islip
East Ithaca
East Kingston
East Marion
East Massapequa
East Meadow
East Moriches
East Nassau village
East Northport
East Norwich
East Patchogue
Eastport
East Quogue
East Randolph village
East Rochester village
East Rockaway village
East Shoreham
East Syracuse village
East Williston village
Eatons Neck
Eden
Edwards village
Elba village
Elbridge village
Ellenville village
Ellicottville village
Ellisburg village
Elma Center
Elmira
Elmira Heights village
Elmont
Elmsford village
Elwood
Endicott village
Endwell
Esperance village
Evans Mills village
Fabius village
Fair Haven village
Fairmount
Fairport village
Fairview CDP (Dutchess County)
Fairview CDP (Westchester County)
Falconer village
Farmingdale village
Farmingville
Farnham village
Fayetteville village
Fire Island
Firthcliffe
Fishers Island
Fishkill village
Flanders
Fleischmanns village
Floral Park village
Florida village
Flower Hill village
Fonda village
Forest Home
Forestville village
Fort Ann village
Fort Drum
Fort Edward village
Fort Johnson village
Fort Montgomery
Fort Plain village
Fort Salonga
Frankfort village
Franklin village
Franklin Square
Franklinville village
Fredonia village
Freeport village
Freeville village
Frewsburg
Friendship
Fulton
Fultonville village
Gainesville village
Galeville
Galway village
Gang Mills
Garden City village
Garden City Park
Garden City South
Gardiner
Gardnertown
Gasport
Gates-North Gates
Geneseo village
Geneva
Germantown
Ghent
Gilbertsville village
Gilgo-Oak Beach-Captree
Glasco
Glen Cove
Glen Head
Glen Park village
Glens Falls
Glens Falls North
Glenwood Landing
Gloversville
Golden’s Bridge
Gordon Heights
Goshen village
Gouverneur village
Gowanda village
Grand View-on-Hudson village
Granville village
Great Bend
Great Neck village
Great Neck Estates village
Great Neck Gardens
Great Neck Plaza village
Great River
Greece
Greene village
Green Island village
Greenlawn
Greenport village
Greenport West
Greenvale
Greenville CDP (Greene County)
Greenville CDP (Westchester County)
Greenwich village
Greenwood Lake village
Groton village
Hagaman village
Halesite
Hamburg village
Hamilton village
Hammond village
Hammondsport village
Hampton Bays
Hampton Manor
Hancock village
Hannibal village
Harbor Hills
Harbor Isle
Harriman village
Harris Hill
Harrison village
Harrisville village
Hartsdale
Hastings-on-Hudson village
Hauppauge
Haverstraw village
Haviland
Hawthorne
Head of the Harbor village
Hempstead village
Heritage Hills
Herkimer village
Hermon village
Herricks
Herrings village
Heuvelton village
Hewlett
Hewlett Bay Park village
Hewlett Harbor village
Hewlett Neck village
Hicksville
High Falls
Highland
Highland Falls village
Highland Mills
Hillburn village
Hillcrest
Hillside
Hillside Lake
Hilton village
Hobart village
Holbrook
Holland
Holland Patent village
Holley village
Holtsville
Homer village
Honeoye Falls village
Hoosick Falls village
Hopewell Junction
Hornell
Horseheads village
Horseheads North
Houghton
Hudson
Hudson Falls village
Hunter village
Huntington
Huntington Bay village
Huntington Station
Hurley
Ilion village
Interlaken village
Inwood
Irondequoit
Irvington village
Islandia village
Island Park village
Islip
Islip Terrace
Ithaca
Jamesport
Jamestown
Jamestown West
Jefferson Heights
Jefferson Valley-Yorktown
Jeffersonville village
Jericho
Johnson City village
Johnstown
Jordan village
Kaser village
Keeseville village
Kenmore village
Kensington village
Kerhonkson
Kinderhook village
Kings Park
Kings Point village
Kingston
Kiryas Joel village
Lackawanna
Lacona village
La Fargeville
Lake Carmel
Lake Erie Beach
Lake George village
Lake Grove village
Lake Katrine
Lakeland
Lake Luzerne-Hadley
Lake Mohegan
Lake Placid village
Lake Ronkonkoma
Lake Success village
Lakeview
Lakewood village
Lancaster village
Lansing village
Larchmont village
Lattingtown village
Laurel
Laurel Hollow village
Laurens village
Lawrence village
Leeds
Leicester village
Le Roy village
Levittown
Lewiston village
Liberty village
Lido Beach
Lima village
Lime Lake-Machias
Limestone village
Lincolndale
Lincoln Park
Lindenhurst village
Lisle village
Little Falls
Little Valley village
Liverpool village
Livingston Manor
Livonia village
Lloyd Harbor village
Lockport
Locust Valley
Lodi village
Long Beach
Lorenz Park
Lowville village
Lynbrook village
Lyncourt
Lyndonville village
Lyon Mountain
Lyons village
Lyons Falls village
Macedon village
McGraw village
Madison village
Mahopac
Malden
Malone village
Malverne village
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Mamaroneck village
Manchester village
Manhasset
Manhasset Hills
Manlius village
Mannsville village
Manorhaven village
Manorville
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Marcellus village
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Mariaville Lake
Marlboro
Massapequa
Massapequa Park village
Massena village
Mastic
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Matinecock village
Mattituck
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Maybrook village
Mayfield village
Mayville village
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Medina village
Medusa
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Merrick
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Middle Island
Middleport village
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Milford village
Millbrook village
Miller Place
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Mill Neck village
Millport village
Milton CDP (Saratoga County)
Milton CDP (Ulster County)
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Minetto
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Minoa village
Mohawk village
Monroe village
Monsey
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Montebello village
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Monticello village
Montour Falls village
Mooers
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Moriches
Morris village
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Morristown village
Morrisville village
Mount Ivy
Mount Kisco village
Mount Morris village
Mount Sinai
Mount Vernon
Munnsville village
Munsey Park village
Munsons Corners
Muttontown village
Myers Corner
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Naples village
Narrowsburg
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Natural Bridge
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Newark village
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New Berlin village
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New Hartford village
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New York
New York Mills village
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Nissequogue village
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Northampton
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North Bellmore
North Bellport
North Boston
North Collins village
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North Great River
North Haven village
North Hills village
North Hornell village
North Lindenhurst
North Lynbrook
North Massapequa
North Merrick
North New Hyde Park
North Patchogue
Northport village
North Sea
North Syracuse village
North Tonawanda
North Valley Stream
Northville village
Northville
North Wantagh
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Northwest Ithaca
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Norwood village
Noyack
Nunda village
Nyack village
Oakdale
Oakfield village
Ocean Beach village
Oceanside
Odessa village
Ogdensburg
Olcott
Old Bethpage
Old Brookville village
Old Field village
Old Westbury village
Olean
Oneida
Oneida Castle village
Oneonta
Orangeburg
Orange Lake
Orchard Park village
Orient
Oriskany village
Oriskany Falls village
Ossining village
Oswego
Otego village
Otisville village
Ovid village
Owego village
Oxford village
Oyster Bay
Oyster Bay Cove village
Painted Post village
Palatine Bridge village
Palenville
Palmyra village
Panama village
Parc
Parish village
Patchogue village
Pattersonville-Rotterdam Junction
Pawling village
Peach Lake
Pearl River
Peconic
Peekskill
Pelham village
Pelham Manor village
Penn Yan village
Perry village
Perrysburg village
Peru
Phelps village
Philadelphia village
Philmont village
Phoenicia
Phoenix village
Piermont village
Pike village
Pine Bush
Pine Hill
Pine Plains
Pittsford village
Plainedge
Plainview
Plandome village
Plandome Heights village
Plandome Manor village
Plattekill
Plattsburgh
Plattsburgh West
Pleasant Valley
Pleasantville village
Poestenkill
Point Lookout
Poland village
Pomona village
Poquott village
Port Byron village
Port Chester village
Port Dickinson village
Port Ewen
Port Henry village
Port Jefferson village
Port Jefferson Station
Port Jervis
Port Leyden village
Portville village
Port Washington
Port Washington North village
Potsdam village
Poughkeepsie
Preston-Potter Hollow
Prospect village
Pulaski village
Putnam Lake
Quioque
Quogue village
Randolph village
Ransomville
Rapids
Ravena village
Red Creek village
Redford
Red Hook village
Red Oaks Mill
Redwood
Remsen village
Remsenburg-Speonk
Rensselaer
Rensselaer Falls village
Rhinebeck village
Richburg village
Richfield Springs village
Richmondville village
Richville village
Ridge
Rifton
Ripley
Riverhead
Riverside village
Riverside
Rochester
Rock Hill
Rockville Centre village
Rocky Point
Rome
Ronkonkoma
Roosevelt
Roscoe
Rosendale Village
Roslyn village
Roslyn Estates village
Roslyn Harbor village
Roslyn Heights
Rotterdam
Round Lake village
Rouses Point village
Rushville village
Russell Gardens village
Rye
Rye Brook village
Sackets Harbor village
Saddle Rock village
Saddle Rock Estates
Sagaponack
Sag Harbor village
St. Bonaventure
St. James
St. Johnsville village
Salamanca
Salem village
Salisbury
Saltaire village
Sand Ridge
Sands Point village
Sandy Creek village
Saranac Lake village
Saratoga Springs
Saugerties village
Saugerties South
Savona village
Sayville
Scarsdale village
Schaghticoke village
Schenectady
Schoharie village
Schuylerville village
Scotchtown
Scotia village
Scotts Corners
Scottsville village
Sea Cliff village
Seaford
Searingtown
Selden
Seneca Falls village
Seneca Knolls
Setauket-East Setauket
Sharon Springs village
Shelter Island
Shelter Island Heights
Shenorock
Sherburne village
Sherman village
Sherrill
Shinnecock Hills
Shirley
Shokan
Shoreham village
Shortsville village
Shrub Oak
Sidney village
Silver Creek village
Silver Springs village
Sinclairville village
Skaneateles village
Sleepy Hollow village
Sloan village
Sloatsburg village
Smallwood
Smithtown
Smyrna village
Sodus village
Sodus Point village
Solvay village
Sound Beach
Southampton village
South Corning village
South Dayton village
South Fallsburg
South Farmingdale
South Floral Park village
South Glens Falls village
South Hempstead
South Hill
South Huntington
South Lockport
South Nyack village
Southold
Southport
South Valley Stream
Spackenkill
Speculator village
Spencer village
Spencerport village
Springs
Spring Valley village
Springville village
Staatsburg
Stamford village
Stannards
Star Lake
Stewart Manor village
Stillwater village
Stone Ridge
Stony Brook
Stony Point
Stottville
Suffern village
Sylvan Beach village
Syosset
Syracuse
Tannersville village
Tappan
Tarrytown village
Terryville
Theresa village
Thiells
Thomaston village
Thornwood
Tillson
Tivoli village
Tonawanda
Tonawanda
Town Line
Tribes Hill
Troy
Trumansburg village
Tuckahoe
Tuckahoe village
Tully village
Tupper Lake village
Turin village
Tuxedo Park village
Unadilla village
Uniondale
Union Springs village
Unionville village
University Gardens
Upper Brookville village
Upper Nyack village
Utica
Vails Gate
Valatie village
Valhalla
Valley Cottage
Valley Falls village
Valley Stream village
Van Etten village
Vernon village
Verplanck
Victor village
Victory village
Village Green
Village of the Branch village
Viola
Voorheesville village
Waddington village
Wading River
Wainscott
Walden village
Walker Valley
Wallkill
Walton village
Walton Park
Wampsville village
Wantagh
Wappingers Falls village
Warrensburg
Warsaw village
Warwick village
Washington Heights
Washingtonville village
Waterford village
Waterloo village
Watermill
Watertown
Waterville village
Watervliet
Watkins Glen village
Waverly village
Wayland village
Webster village
Weedsport village
Wellsburg village
Wellsville village
Wesley Hills village
West Babylon
West Bay Shore
Westbury village
West Carthage village
West Elmira
West End
Westfield village
West Glens Falls
Westhampton
Westhampton Beach village
West Hampton Dunes village
West Haverstraw village
West Hempstead
West Hills
West Hurley
West Islip
Westmere
West Nyack
Weston Mills
West Point
West Sand Lake
West Sayville
West Seneca
Westvale
West Winfield village
Wheatley Heights
Whitehall village
White Plains
Whitesboro village
Whitney Point village
Williamsville village
Williston Park village
Wilson village
Windham
Windsor village
Wolcott village
Woodbury
Woodmere
Woodridge village
Woodsburgh village
Woodstock
Wurtsboro village
Wyandanch
Wynantskill
Wyoming village
Yaphank
Yonkers
Yorkshire
Yorktown Heights
Yorkville village
Youngstown village
Zena

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