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.
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!!
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!
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.
Common Questions about our Pennsylvania Debt Relief Program
How do I get started with Pennsylvania debt relief? The 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 situation is different so we’ll set up a program that works best for you. Your assigned account representative will help you understand exactly how the program works and will be available for questions anytime.
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 2019” 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 for 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. 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 personal attention from the account representative assigned to your settlement process.
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 service in the industry and our reviews prove it.
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 PA 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.
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. Speak with our debt experts to find out more information.
Is there a statute of limitation on debt in PA? The statute of limitations in Pennsylvania is four years. This covers most types of debts including credit cards, medical bills, personal loans, and more.
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.
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.
PA 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.
More than half (68.6%) for Pennsylvanians hold a 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
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)
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 & 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.
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
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 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 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.