Professional South Dakota Debt Relief Company

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.

South Dakota Debt Relief Reviews

South Dakota 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.

Professional South Dakota Debt Relief Program

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 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 in South Dakota

South Dakotans 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 South Dakota Fair Debt Collection Practices Act (SDFDCPA) 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 South Dakota.

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.

Pacific Debt Provides Relief to South Dakota Cities

Aberdeen
Agar
Akaska
Albee
Alcester
Alexandria
Allen
Alpena
Altamont
Andover
Antelope
Arlington
Armour
Artas
Artesian
Ashland Heights
Ashton
Astoria
Aurora
Aurora Center
Avon
Badger
Baltic
Bancroft
Batesland
Belle Fourche
Belvidere
Beresford
Big Stone City
Bison
Blackhawk
Blunt
Bonesteel
Bowdle
Box Elder
Bradley
Brandon
Brandt
Brentford
Bridgewater
Bristol
Britton
Broadland
Brookings
Bruce
Bryant
Buffalo
Buffalo Gap
Bullhead
Burke
Bushnell
Butler
Camp Crook
Canistota
Canova
Canton
Carthage
Castlewood
Cavour
Centerville
Central City
Chamberlain
Chancellor
Chelsea
Claire City
Claremont
Clark
Clear Lake
Colman
Colome
Colonial Pine Hills
Colton
Columbia
Conde
Corona
Corsica
Cottonwood
Cresbard
Crooks
Custer
Dallas
Dante
Davis
Deadwood
Dell Rapids
Delmont
De Smet
Dimock
Doland
Dolton
Draper
Dupree
Eagle Butte
Eden
Edgemont
Egan
Elk Point
Elkton
Ellsworth AFB
Emery
Erwin
Estelline
Ethan
Eureka
Fairburn
Fairfax
Fairview
Faith
Farmer
Faulkton
Flandreau
Florence
Fort Pierre
Fort Thompson
Frankfort
Frederick
Freeman
Fruitdale
Fulton
Garden City
Garretson
Gary
Gayville
Geddes
Gettysburg
Glenham
Goodwin
Green Grass
Green Valley
Gregory
Grenville
Groton
Hamill
Harrisburg
Harrison
Harrold
Hartford
Hayti
Hazel
Hecla
Henry
Hermosa
Herreid
Herrick
Hetland
Highmore
Hill City
Hillsview
Hitchcock
Hosmer
Hot Springs
Hoven
Howard
Hudson
Humboldt
Hurley
Huron
Interior
Ipswich
Irene
Iroquois
Isabel
Java
Jefferson
Kadoka
Kaylor
Kennebec
Keystone
Kimball
Kranzburg
Kyle
La Bolt
Lake Andes
Lake City
Lake Norden
Lake Preston
Lane
Langford
La Plant
Lead
Lebanon
Lemmon
Lennox
Leola
Lesterville
Letcher
Lily
Little Eagle
Long Lake
Loomis
Lower Brule
Lowry
McIntosh
McLaughlin
Madison
Manderson-White Horse Creek
Marion
Martin
Marty
Marvin
Mellette
Menno
Midland
Milbank
Miller
Milltown
Mission
Mission Hill
Mitchell
Mobridge
Monroe
Montrose
Morristown
Mound City
Mount Vernon
Murdo
Naples
New Effington
Newell
New Holland
New Underwood
New Witten
Nisland
North Eagle Butte
North Sioux City
North Spearfish
Northville
Nunda
Oacoma
Oelrichs
Oglala
Okaton
Oldham
Olivet
Onaka
Onida
Orient
Ortley
Parker
Parkston
Parmelee
Peever
Philip
Pickstown
Pierpont
Pierre
Pine Ridge
Plankinton
Platte
Pollock
Porcupine
Presho
Pringle
Pukwana
Quinn
Ramona
Rapid City
Rapid Valley
Ravinia
Raymond
Redfield
Ree Heights
Reliance
Revillo
Rockham
Roscoe
Rosebud
Rosholt
Roslyn
Roswell
St. Charles
St. Francis
St. Lawrence
Salem
Scotland
Selby
Seneca
Sherman
Sinai
Sioux Falls
Sisseton
South Shore
Spearfish
Spencer
Spring Creek
Springfield
Stickney
Stockholm
Storla
Strandburg
Stratford
Sturgis
Summit
Tabor
Tea
Timber Lake
Tolstoy
Toronto
Trent
Tripp
Tulare
Turton
Twin Brooks
Two Strike
Tyndall
Utica
Valley Springs
Veblen
Verdon
Vermillion
Viborg
Vienna
Vilas
Virgil
Vivian
Volga
Volin
Wagner
Wakonda
Wall
Wallace
Wanblee
Ward
Warner
Wasta
Watertown
Waubay
Webster
Wentworth village
Wessington
Wessington Springs
Westport
Wetonka
White
Whitehorse
White Horse
White Lake
White River
White Rock
Whitewood
Willow Lake
Wilmot
Winner
Wolsey
Wood
Woonsocket
Worthing
Wounded Knee
Yale
Yankton

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