North Carolina 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 us today for a FREE consultation!

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Pacific Debt Relief Free Consultation for Debt Settlment

Does National Debt Settlement Work?


Yes! Reputable debt settlement companies, especially Pacific Debt, can help you to live debt-free. We have great NC debt relief reviews. Make sure you check them out. Our debt counselors are experts at debt negotiation.


Get a FREE consultation with no obligation. We will help you choose the best debt relief option for your situation.


No balance transfer credit card, no home equity loan - just lower interest rates, helpful resources, and low total monthly payments and upfront fee disclosures to help you get out of debt faster and avoid future financial hardship.

North Carolina Debt Relief Reviews

We Provide National Debt Relief


We are one of the leading debt settlement companies in the US. Since we provide national debt settlement programs, Pacific Debt has helped thousands of people reduce their debt, including credit card debt and personal loans. Since 2002,  we've settled a national average of over $300 million in debt for our clients. Contact us today to see how we can help you settle multiple debts.

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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 Bureau

In addition, the Federal Trade Commission, a government program, oversees debt settlement companies and debt consolidation companies.

Always check the accreditation of debt settlement companies!


To be eligible for the Pacific Debt program, you must

  • A total debt enrolled of at least $10,000 in unsecured debt (credit card companies, payday loans, personal loans, medical bills, collections and repossessions, business debts, and some student loans). If you have federal student loans, we can advise you on the Public Service Loan Forgiveness program.
  • You are having difficulties making minimum payments (you'll put what you can afford into a single monthly payment into a savings account)
  • Live in a state where we can do business.

Pacific Debt provides national debt settlement in the following states:

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, Wisconsin
* Other states, such as West Virginia and South Carolina, can be connected to one of our trusted partners


If you owe back taxes, we will advise you on available federal government programs from the IRS. Back child support payments can often be negotiated with the state DHS.


What North Carolina Residents can expect from our Debt Settlement Program

  • One monthly payment is based on your budget
  • Resolve your debt in 2-4 years
  • No upfront fees - fees vary from 15-25% of total enrolled debt based on amount and state of registration-- and low monthly fees as well!
  • Personal attention from your assigned Account Manager and Certified Debt Specialist
  • Develop a plan to pay off debt at a lower negotiated rate and possibly decreased interest rates.
  • Excellent Customer Service & Support
  • We negotiate decreased debt and lowered interest rate with individual creditors
  • We don't lend money and your financial data is safe with us!

While bankruptcy may seem easier than our debt settlement program, the after-effects of bankruptcy will last at least seven years and can result in poor credit ratings and credit scores.


An alternative debt relief option is free credit counseling, but this option does not settle debts. Meeting with certified credit counselors from nonprofit organizations can help you reach financial stability and learn debt management.

North Carolina debt relief reviews verified from Trustpilot
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  • What is North Carolina Debt Relief

    Debt relief is the act of reducing the amount you owe your creditors so that you can receive the financial relief you need in order to go about your everyday life. Debt settlement is one form of debt relief as is a nonprofit credit counseling agency. We are a national debt settlement company and have worked with creditors across the US.


    We work to decrease the amount of debt you owe including a decreased interest rate from credit card companies. As you put money into a savings account in a monthly payment, we pay off your settled debt. You must make enough money to be able to put some in savings. You also stop paying creditors for a time, which can result in a decreased credit score.

  • How does North Carolina debt relief work?

    Pacific Debt provides relief in the form of debt settlement to residents living in North Carolina, as well as national debt relief. If you have unsecured debt like credit card debt, we can help. Your debt relief requires you to set up and fund a savings account. Check out our debt relief program.


    Take time to understand how the program works and all your debt relief options. Forgiven debt or settling debt can result in tax consequences. Credit scores do take a temporary hit.

  • Is North Carolina debt relief legit?

    Pacific Debt has helped hundreds of North Carolinians reduce the amount they owe since 2002 and was rated the "Best Debt Settlement Company of 2020" among all debt settlement companies. If you are living in the state of North Carolina, give us a call right away for a free consultation so we can help you understand all your debt relief options.

North Carolina Debt Relief Testimonials

Walnut Cove, North Carolina Debt Relief Review
By Mike Nittoli 06 Aug, 2019
Richard from Walnut Cove North Carolina shares a review how Pacific Debt was able to help provide debt relief. Recent NC debt relief review.
Clayton, North Carolina Debt Relief Review
By Mike Nittoli 20 Feb, 2019
Wright from Clayton, North Carolina shares a story how Pacific Debt was able to help provide debt relief. Recent NC debt relief review.
Shelby, North Carolina Debt Relief Review
19 Jun, 2018
Elise from Shelby, North Carolina shares a story how Pacific Debt was able to help provide debt relief. Recent NC debt relief review.

North Carolina Debt Relief Case Studies

Charlotte, North Carolina debt relief settlement consolidation

I had a change in my income, and I need a more affordable payment to resolve my debt once and for all.

Location: Charlotte, North Carolina
Raleigh, North Carolina debt relief debt settlement review

I fell behind on my debts when I had to evict my tenants out of my rental property. I had to use the credit to keep up with the overhead. I am now looking to set a plan in place to resolve them as soon as possible.

Location: Raleigh, North Carolina
North Carolina Debt Settlement Company

North Carolina Better Business Bureau


Pacific Debt is an A+ rated Business with the Better Business Bureau for debt negotiation services to individuals and families struggling with unsecured debt. We have been accredited since 2010 and in business since 2002. We specialize in settlement of unsecured debts.


We have helped thousands of people in North Carolina with accredited debt relief. 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. If you do not live in North Carolina, we are a national debt relief company.


Read more North Carolina debt relief reviews and case studies to see how Pacific Debt helped people eliminate their debt. Pacific Debt has a staff of dedicated debt settlement negotiators who are ready to help you negotiate your debt. Be aware that your credit report and average credit score may take a hit during a debt settlement program as you will be stopping payments, but should recover with time.


Take a look at our North Carolina debt relief reviews from verified customers. We have case studies from customers located in Charlotte and Raleigh.


North Carolina Debt Relief Help


Click here to get your FREE Consultation & Savings Estimate, or call us at 800-909-9893


We can help you and your family with debt relief in the state of North Carolina. We are also a national company and have contacts all over the US.


Remember, we offer a free consultation and offer a free debt analysis. You may also want to enroll in a nonprofit credit counseling program.


North Carolina


North Carolina rises from gorgeous beaches to the ancient Appalachian mountains. The original economy was based on agriculture and that is still an important part of the state's economy. Science, technology, energy, and math industries are booming around the Raleigh Durham area. Rural areas are suffering while the urban areas are fairly prosperous.


North Carolina is ranked #9 for population and #15 for population density.


Income in NC


The median state income is $50,584 As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 21.3% of North Carolinian children under 18 live in poverty. For residents overall, 15.4% of all people in North Carolina live under the poverty level.

  • Median state income: $50,584
  • Minimum wage: $7.25/hour
  • Children in poverty: 21.3%
  • People in poverty: 15.4%

Is North Carolina a Community Property State?


North Carolina is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states. In the state of NC, 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


North Carolina Homeowners


More than half (66.3%) of North Carolinians hold a mortgage. The median home price in North Carolina is $173,800 (2018). Of course, that median price depends on the location with some areas being higher.

  • Homeowner rate: 66.3%
  • Median home price: $173,800

North Carolina Employment


North Carolina has a current unemployment rate of 4.5%. 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 North Carolina debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

  • Unemployment: 4.5% (2018)
  • Underemployment: 9.4% (2017)

North Carolina Debt


The average North Carolina consumer carries a lot of debt. Average credit card debts are $7,225 (2018), well above the national average. The average student loan debt is $26,164. 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 North Carolinians to get into debt.

  • Average credit card debt: $7,225 (2018)
  • Average mortgage debt: $166,561 (2017)
  • Average student loan debt: $26,164 (2017)

North Carolina Statute of Limitations


North Carolina'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 North Carolina, the following are the statutes of limitations for different types of debt.

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

North Carolina Debt Relief & Debt Consolidation Company


If you have more debt than you can pay off, Pacific Debt can help you with debt settlement 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 settlement company and we have helped countless North Carolina residents with our national debt relief. Contact us today so we can help you too! Remember we offer free debt analysis and can recommend good debt counseling.


We will help you work through our proven and comprehensive national debt relief program. Your certified debt relief counselor will review all your options including setting up a savings account. If debt settlement programs are 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. Be aware that your credit report may take a small hit, but should recover and improve in the future. Pacific Debt will be there every step of the way to help. Call us and inquire about our NC accredited debt relief program and how it can help you. Our debt counselors will help you understand the debt settlement process. You should consider enrolling in a personal finance class in order to improve your financial future.


Since we are a national debt relief program, we may be able to help your relatives as well. If we can not, we will refer you to other debt relief companies including debt consolidation programs, that we trust. We are one of the best debt settlement companies and we want you to be able to trust our recommendations.

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