BBB Accredited Tennessee Debt Relief Program

Professional Tennessee 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.

Tennessee Debt Relief Reviews

Tennessee 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.

State of Tennessee

Tennessee is the home of rock and roll as Elvis had his home in Memphis and country music’s heart is in Nashville, the largest city. Tennessee is home to limestone caves, the Appalachian mountains, and wide open farmland. The big cities look forward to the future while the countryside offers a look back into a simpler past and rich history.Tennessee generates most of its economy through agriculture and food processing and limestone mining.

As of 2018, over 6.8 million people called Tennessee home. Tennessee is ranked #16 for population and #20 for population density.

Tennessee Income

The median state income is $48,708. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 20.9% of Tennessee children under 18 live in poverty. For residents overall, 15% of all people in Tennessee live under the poverty level.

  • Median state income: $48,708
  • Minimum wage: $7.25/hour
  • Children in poverty: 20.9%
  • People in poverty: 15%

Homeowners in Tennessee

More than half (66.3%) of Tennesseans hold a mortgage. The median home price in Tennessee is $166,500 (2019). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 66.3%
  • Median home price: $166,500

Tennessee Employment

Tennessee has a current unemployment rate of 3.5%. However, the underemployment rate is 7.9%. 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 Tennessee debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget, and explain your options.

  • Unemployment: 3.5% (2018)
  • Underemployment: 7.9% (2018)

Tennessee Debt

Tennesseans carry a lot of debt. The average credit card debt is $3,217 (2018). The average student loan debt is $25,252. 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 Tennesseans to get into debt.

  • Avg credit card debt: $3,217 (2018)
  • Avg mortgage debt: $150,456 (2017)
  • Avg student loan debt: $25,252 (2018)

Tennessee Statute of Limitations

Tennessee’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 Tennessee, 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

Tennessee 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 Tennessee

Tennesseans 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 Tennessee Fair Debt Collection Practices Act (TFDCPA) 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 Tennessee.

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 Tennessee Cities

Adams
Adamsville
Alamo
Alcoa
Alexandria
Algood
Allardt
Altamont
Ardmore
Arlington
Ashland City
Athens
Atoka
Atwood
Auburntown
Baileyton
Baneberry
Banner Hill
Bartlett
Baxter
Beersheba Springs
Bell Buckle
Belle Meade
Bells
Benton
Berry Hill
Bethel Springs
Big Sandy
Blaine
Bloomingdale
Blountville
Bluff City
Bolivar
Braden
Bradford
Brentwood
Brighton
Bristol
Brownsville
Bruceton
Bulls Gap
Burlison
Burns
Byrdstown
Calhoun
Camden
Carthage
Caryville
Cedar Hill
Celina
Centertown
Centerville
Central
Chapel Hill
Charleston
Charlotte
Chattanooga
Church Hill
Clarksburg
Clarksville
Cleveland
Clifton
Clinton
Coalmont
Collegedale
Collierville
Collinwood
Colonial Heights
Columbia
Cookeville
Coopertown
Copperhill
Cornersville
Cottage Grove
Covington
Cowan
Crab Orchard
Cross Plains
Crossville
Crump
Cumberland City
Cumberland Gap
Dandridge
Dayton
Decatur
Decaturville
Decherd
Dickson
Dover
Dowelltown
Doyle
Dresden
Ducktown
Dunlap
Dyer
Dyersburg
Eagleton Village
Eagleville
East Brainerd
East Cleveland
East Ridge
Eastview
Elizabethton
Elkton
Englewood
Enville
Erin
Erwin
Estill Springs
Ethridge
Etowah
Fairfield Glade
Fairmount
Fairview
Fall Branch
Farragut
Fayetteville
Finger
Forest Hills
Franklin
Friendship
Friendsville
Gadsden
Gainesboro
Gallatin
Gallaway
Garland
Gates
Gatlinburg
Germantown
Gibson
Gilt Edge
Gleason
Goodlettsville
Gordonsville
Grand Junction
Gray
Graysville
Greenback
Greenbrier
Greeneville
Greenfield
Green Hill
Gruetli-Laager
Guys
Halls
Harriman
Harrison
Harrogate-Shawanee
Hartsville
Helenwood
Henderson
Hendersonville
Henning
Henry
Hickory Valley
Hickory Withe
Hohenwald
Hollow Rock
Hopewell
Hornbeak
Hornsby
Humboldt
Hunter
Huntingdon
Huntland
Huntsville
Iron City
Jacksboro
Jackson
Jamestown
Jasper
Jefferson City
Jellico
Johnson City
Jonesborough
Kenton
Kimball
Kingsport
Kingston
Kingston Springs
Knoxville
Lafayette
La Follette
La Grange
Lake City
Lakeland
Lakesite
Lake Tansi
Lakewood
La Vergne
Lawrenceburg
Lebanon
Lenoir City
Lewisburg
Lexington
Liberty
Linden
Livingston
Lobelville
Lookout Mountain
Loretto
Loudon
Louisville
Luttrell
Lynchburg
Lynnville
McEwen
McKenzie
McLemoresville
McMinnville
Madisonville
Manchester
Martin
Maryville
Mascot
Mason
Maury City
Maynardville
Medina
Medon
Memphis
Michie
Middleton
Middle Valley
Midtown
Midway
Milan
Milledgeville
Millersville
Millington
Minor Hill
Mitchellville
Monteagle
Monterey
Morrison
Morristown
Moscow
Mosheim
Mountain City
Mount Carmel
Mount Juliet
Mount Pleasant
Munford
Murfreesboro
Nashville-Davidson (balance)
Newbern
New Hope
New Johnsonville
New Market
Newport
New Tazewell
Niota
Nolensville
Normandy
Norris
Oakdale
Oak Grove
Oak Hill
Oakland
Oak Ridge
Obion
Oliver Springs
Oneida
Ooltewah
Orlinda
Orme
Palmer
Paris
Parkers Crossroads
Parrottsville
Parsons
Pegram
Petersburg
Philadelphia
Pigeon Forge
Pikeville
Pine Crest
Piperton
Pittman Center
Plainview
Pleasant Hill
Pleasant View
Portland
Powells Crossroads
Pulaski
Puryear
Ramer
Red Bank
Red Boiling Springs
Ridgely
Ridgeside
Ridgetop
Ripley
Rives
Roan Mountain
Rockford
Rockwood
Rogersville
Rossville
Rural Hill
Rutherford
Rutledge
St. Joseph
Saltillo
Samburg
Sardis
Saulsbury
Savannah
Scotts Hill
Selmer
Sevierville
Sewanee
Seymour
Sharon
Shelbyville
Signal Mountain
Silerton
Slayden
Smithville
Smyrna
Sneedville
Soddy-Daisy
Somerville
South Carthage
South Cleveland
South Fulton
South Pittsburg
Sparta
Spencer
Spring City
Springfield
Spring Hill
Spurgeon
Stanton
Stantonville
Sunbright
Surgoinsville
Sweetwater
Tazewell
Tellico Plains
Tennessee Ridge
Thompson’s Station
Three Way
Tiptonville
Toone
Townsend
Tracy City
Trenton
Trezevant
Trimble
Troy
Tullahoma
Tusculum
Unicoi
Union City
Vanleer
Viola
Vonore
Walden
Walnut Grove
Walnut Hill
Walterhill
Wartburg
Wartrace
Watauga
Watertown
Waverly
Waynesboro
Westmoreland
White Bluff
White House
White Pine
Whiteville
Whitwell
Wildwood Lake
Williston
Winchester
Winfield
Woodbury
Woodland Mills
Yorkville

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