South Dakota 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!

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Pacific Debt Relief reduces debt substantially

Professional South Dakota Debt Relief Company

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.

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South Dakota Better Business Bureau


Pacific Debt Relief is an A+ rated Business with the BBB  for debt negotiation services to individuals and families struggling with unsecured debt. We have been accredited since 2010 and in business since 2002.

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State of South Dakota


South Dakota is in America’s heartland and is famous as the home of Mount Rushmore. As of 2018, over 800,000 people called South Dakota home. Sioux Falls is the largest city. South Dakota is ranked #46 for population and #46 for population density.



South Dakota generates most of its economy through agriculture and related food processing and mining.


South Dakota Income


The median state income is $54,126. As of 2018, the minimum wage is $9.10 per hour. Unfortunately, 16.3% of South Dakota children under 18 live in poverty. For residents overall, 13% of all people in South Dakota live under the poverty level.

  • Median state income: $54,126
  • Minimum wage: $9.10/hour
  • Children in poverty: 16.3%
  • People in poverty: 13%

Homeowners in South Dakota


More than half (67.9%) of South Dakotans hold a mortgage. The median home price in South Dakota is $188,600 (2019). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 67.9%
  • Median home price: $188,600

South Dakota Employment


South Dakota has a current unemployment rate of 3.2%. However, the underemployment rate is 6.5%. 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 South Dakota debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

  • Unemployment: 3.2% (2018)
  • Underemployment: 6.5% (2018)

South Dakota Debt


South Dakotans carry a lot of debt. The average credit card debt is $7,362 (2018). The average student loan debt is $31,275. 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 South Dakotans to get into debt.

  • Avg credit card debt: $7,362 (2018)
  • Avg mortgage debt: $152,335 (2017)
  • Avg student loan debt: $31,275 (2018)

South Dakota Statute of Limitations


South Dakota’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 South Dakota, 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: 6 years

South Dakota 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 and we have helped countless people in the state of South Dakota with debt relief. Contact us today so we can help you too!


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. Call us and inquire about our SD debt relief program and how it can help you.

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