Pennsylvania Debt Relief Services

Pacific Debt has helped hundreds of Pennsylvania residents reduce their debt substantially. Since 2002we’ve settled over $300 million in debt for our clients.

We’re not a law firm, we are a debt settlement company that specializes in debt negotiation. We can help Pennsylvania residents with personal loan debt and unsecured debt. Talk to an experienced and IAPDA certified debt specialists for free!

Pennsylvania Debt Consolidation Company

Pennsylvania Debt Relief Testimonials

  • My experience from my initial contact with Wyatt and working with Julia Q has been professional, courteous and just a seamless transition. I have never been exposed to situations like I am in but Julia has made me know that it will all work out and she is awesome at explaining the process, what to expect and that is a huge comfort. The unknown is the most fearful state a person can be in and Julia has made it not as frightening and just keeps everything in perspective.
    James
    Matamoras, Pennsylvania Debt Relief Review
    March 01, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • I have been with Pacific Debt for about a year now. They have helped lessen my headaches from me getting in over my head/ My representative Nicole has been an amazing help and has always been there to answer any questions that I had. I highly recommend Pacific Debt and Nicole C!!
    Lisa
    Turtle Creek, Pennsylvania Debt Relief Review
    January 30, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • Rian was absolutely amazing. He took the time to explain everything to me answered all my questions and never complained. He made me feel at ease and reassured me everything will be okay and taken care of!
    Kirstin
    Pottstown, Pennsylvania Debt Relief Review
    January 24, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • Cedric, my Pacific Debt Specialist was very easy to understand as he explained the program. As well, each individual is evaluated for their own personal situation. Understanding how the program works, the money you save, the reduced monthly financial debt, and the freedom to reach goals will result in a debt free life. If you persevere, believe, and feel comfortable with Pacific Debt Inc., they can help you.
    Deborah
    Shinglehouse, Pennsylvania Debt Relief Review
    January 11, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how we can help.

Recent Pennsylvania Debt Relief Settlements

Pittsburgh Pennsylvania Debt relief, PA debt Consolidation CompanyNow with changes in our income and having a lot of things change in our household we want to get out of debt a soon a possible with a payment that will be more affordable. Read Case Study

Location: Pittsburgh, Pennsylvania

Allentown Pennsylvania Debt relief, PA debt consolidation companyI am on a fixed income, and I need a more affordable monthly payment to resolve my debt. I want to have more funds leftover for myself at the end of the month. Read Case Study

Location: Allentown, Pennsylvania

Pacific Debt offers a FREE Consultation to anyone looking at debt settlement options. Our Pennsylvania Debt Relief Program is designed to try to get you out of debt in two to four years.

Pennsylvania Debt Relief Common Questions

How do I get started with debt relief if I live in Pennsylvania?
The debt relief process is simple for PA residents. Fill out a FREE Savings Estimate to enroll in our program. You’ll then speak to one of our debt experts to see if the program is right for you.

Everyone’s financial situation is different so we’ll set up a customized debt relief program that you can afford. Your assigned account representative will help you understand exactly how the program works and will be available for questions anytime. Our PA debt settlement program is your best long term strategy for reducing your debt.

Are there any Pennsylvania debt relief reviews available to read before I sign-up?
We have thousands of customer reviews and testimonials available online. We are ranked as one of “The Best Debt Settlement Companies of 2020” from US News and World Reports. We’ve included testimonials and reviews from our clients who live in Pennsylvania.

How long does it take for a debt settlement in Pennsylvania?

Our goal at Pacific Debt is to have you completely debt-free within 2-4 years. Most Pennsylvania clients fall into that time frame. Of course, this all depends on your unique situation.

Our debt experts work with both you and your creditors to settle your debts for as little as possible. The time it takes to settle your debt depends on a few variables, including your creditors.

What is the cost of your PA settlement program?
Our Pennsylvania debt settlement or debt relief program service fees vary depending on your total debt you enroll with us and the state of your residence. In this case, your state would be Pennsylvania. The good news is we do not charge any upfront fees so we don’t get paid until you see results.

For most of our PA clients, the Pacific Debt service fee is between 15-25% of the total debt enrolled with us. You get award-winning personal attention from the account representative assigned to your settlement plan.

What’s the difference between the Pacific Debt relief program and other PA debt relief programs?
One thing that separates us from the rest of our Pennsylvania competition is that we have some of the best customer services in the industry and our reviews prove it. We have been awarded The Best Debt Settlement Company of 2020 from both Bankrate, and US News & World Reports.

Take a look at some recent PA debt relief reviews listed on this page, you can also take a look at our testimonials and reviews pages to see more customer feedback.

Is PA debt consolidation the same as debt settlement?
No, debt consolidation is different from debt settlement. Debt consolidation is usually where you take out a loan to pay off all your other bills, then you can concentrate on paying off one monthly bill.

Debt settlement is the process of negotiating with your creditors to a lower payment than what you currently owe. We work with creditors in all states, not just Pennsylvania creditors. Pacific Debt is not a law firm but we specialize in credit card debt reduction and settlement.

Does the program only help with credit card debt or does it also help with medical debt relief too?
Our PA debt relief program can with most unsecured debts, debts not secured with any type of collateral. These debts tend to be credit cards, medical bills, personal loans, retail loans, etc. Unfortunately, we do not do provide debt relief services on student loan debt. We mainly work with unsecured debt and credit card debt. Speak with our debt experts to find out more information.

What is the statute of limitations on debt in Pennsylvania?
The statute of limitations in PA is four years. This covers most types of debts including credit cards, medical bills, personal loans, and more.

Is Pacific Debt a law firm?
No, Pacific Debt is not a law firm, we are a debt settlement company helping Pennsylvania residents reduce their debt significantly.

Where can I get more information about your debt relief program?
Just click the link to find out more information about our debt relief program.

Get your FREE Savings Estimate

Better Business Bureau of Pennsylvania

Pacific Debt is an A+ rated business with the BBB. We are accredited and helping people with debt relief since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

View our NMLS Consumer Access Verification Details

Pennsylvania Debt Relief Help

Click here to get your FREE Consultation & Savings Estimate

We can help you and your family with relief from debt in the state of Pennsylvania, or even nationwide.

Pennsylvania Debt Settlement Services Act

The Debt Settlement Services Act is the providing for the licensure of persons providing debt settlement services, for the powers and duties of the Department of Banking and Securities and for enforcement.

View the Debt Settlement Services Act here

State of Pennsylvania


As of 2018, almost 13 million people called Pennsylvania home. Philadelphia is the largest city in Pennsylvania and the 5th largest city in the US. Pennsylvania is the heart of American independence. With an old history, good farmland, beautiful mountains, Pennsylvania was an industrial state that attracted many workers. As a result, Pennsylvania is ranked #6 for population and #11 for population density.

Pennsylvania Income Levels

The median state income is $52,005. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 18% of Pennsylvanian children under 18 live in poverty. For residents overall, 12.9% of all people in Pennsylvania live under the poverty level.

  • Median state income: $52,005
  • Minimum wage: $7.25/hour
  • Children in poverty: 18%
  • People in poverty: 12.9%

Is Pennsylvania a Community Property State?

Pennsylvania 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 Pennsylvania, 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.

Homeowners in Pennsylvania

More than half (68.6%) of Pennsylvanians hold a home mortgage. The median home price in Pennsylvania is $169,000 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 68.6%
  • Median home price: $169,000

Employment in PA

Pennsylvania’s current employment rate is 4.8%. However, the underemployment rate is 10.6%. 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 Pennsylvania 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: 10.6% (2017)

Pennsylvania Debt Statistics

Pennsylvanians carry a lot of debt. The average credit card debt is $6,065 (2018). The average student loan debt is the highest in the US at $35,185. 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 Pennsylvanians to get into debt.

  • Avg credit card debt: $6,065 (2018)
  • Avg mortgage debt: $157,643 (2017)
  • Avg student loan debt: $35,185 (2017)

Pennsylvania Statute of Limitations

Pennsylvania’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 Pennsylvania, the following are the statutes of limitations for different types of debt.

  • Oral agreements: 4 years
  • Written contracts: 4 years
  • Promissory notes: 4 years
  • Credit cards and other revolving loans: 4 years

Pennsylvania Debt Relief & 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 $300 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.

Pennsylvania Debt Collection Laws

Pennsylvanians 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 Pennsylvania Fair Debt Collection Practices Act (PFDCPA) 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 the 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 in Pennsylvania

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 Pennsylvania.

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 the 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.

We Provide debt relief to all Pennsylvania cities including Philadelphia, Pittsburgh, and many more.

Pacific Debt Inc featured on badcredit.org for Debt Settlement Options
PA BBB accredited business
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