Tennessee 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 us today for a FREE consultation!

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Tennessee Debt Relief Reviews

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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What is Tennessee Debt Relief?


Tennessee Debt relief is the reduction of debt through a debt settlement program or debt consolidation. 


Pacific Debt specializes in debt settlement, and we take an active approach to reduce your debt for substantially less than you currently owe. Most types of high interest debt qualify for our relief program, including credit card debt, or any other type of unsecured debt.


Pacific Debt deals directly with your creditors while guiding you throughout the entire process.


We have one of the best-rated settlement programs available for Tennessee residents.


Call our certified specialists who can help you understand all your options and your best course of action.


Our FREE savings estimate will show you much money we can save you each month. Our free debt analysis will help you make an informed decision. Call to get your free quote for our services.


How Does Debt Relief Work?


Debt relief reduces the amount you owe your creditors so that you can receive financial relief. Debt settlement is one option. Pacific Debt provides relief in the form of debt settlement to residents living in Tennessee, as well as nationally.


Make your FREE phone call with one of our debt specialists who can lay out all your options.


Is Debt Relief Legit?


Pacific Debt has helped countless Tennessee residents reduce their debt. Since 2002,  we've settled over $300 million in credit card debt for our debt relief clients. 

If you want information on relief in Tennessee, you could benefit from a free conversation with our debt specialists. You will learn if we can help lower your monthly payments or help you become debt-free. If you are looking for debt consolidation loans but have bad credit, our debt settlement program might be perfect for you!


We are experts at debt negotiation so please call us today to work out a debt relief custom plan.


We do not require loans. Instead, we negotiate to reduce interest rates, offer helpful resources, and include upfront fee disclosures. We can help you eliminate debt faster and improve your personal finances.


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What Tennessee Residents can expect from our Settlement Services

  • Affordable monthly payments based on your budget
  • Resolve your situation in 2-4 years
  • No upfront fees with low monthly fees- fees vary from 15-25% of the total enrolled amount and state of registration.
  • Personal attention from your assigned Certified Debt Specialist
  • Develop a repayment plan and possibly lower interest rates.
  • Excellent Customer Service & Support
  • We negotiate decreased balances and lower interest rates
  • We don't lend money and your financial data is safe with us!

Who qualifies for debt settlement?


You must meet the following:

We are not a full balance debt resolution option. As a result, there are some tax consequences. Before pursuing debt settlement, discuss potential tax consequences with a tax professional. We do provide tax forms for your income tax filing.


We are also not a law firm and are not giving legal advice.


Pacific Debt Relief Accreditation


We are accredited by:


Pacific Debt Relief is proud to be accredited by the following organizations.

  • The International Association of Professional Debt Arbitrators
  • The Consumer Debt Relief Initiative
  • Better Business Bureau

Tennessee Better Business Bureau


Pacific Debt 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.


We have helped countless people struggling to pay their enrolled accounts. Our specialists can help you with a FREE consultation.


State of Tennessee Income


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.

  • 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 Statistics


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

Is Tennessee Community Property State?


Tennessee is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, only Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin are community property states. In Tennessee, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.


Debt Collection Laws


Tennesseans have laws to protect them against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits collectors from using abusive or harassing bill collection practices.


In addition, the Tennessee Fair Debt Collection Practices Act adds protection against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.


Tennessee Debt Relief Programs


If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt-free. We can even help you save money! 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 have helped countless people in the state of Tennessee with debt relief. Contact us today so we can help you too!


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.


We help you work through our proven and comprehensive debt relief program. 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.


Pacific Debt Relief


We are a nationally top-ranked company specializing in debt settlement and we have helped countless Tennessee residents with our national program.

Contact our professional debt negotiators today so we can help you too!


Pacific debt relief program allows you to build up sufficient funds through a single monthly payment into a savings account. Once your debt is settled, we pay off your settled accounts.


The program takes anywhere from 2-4 years to complete.


Take time to understand how these programs work and all your Kentucky relief options.


In addition to tax implications, debt settlement can result in late fees. Debt settlement causes some credit score damage. Most people considering debt programs do not have a high credit score. Most people who successfully complete our debt settlement plan see improvements to their credit scores.


Since we are a national debt relief company, we may be able to help your relatives as well. If we cannot, we will refer you to other programs including debt consolidation programs that we trust.


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Other Debt Relief Programs


We are a debt settlement company and have discussed debt settlement programs in detail. Click here to learn more about debt settlement.

We want you to understand your options and reach financial stability.


Read all program materials prior to enrolling with any program.


Debt Consolidation program


Tennessee debt consolidation helps you consolidate debt with a personal loan. You apply with a loan company for a low interest rate debt consolidation loan, balance transfer credit card, or work with a debt consolidation company to set up a consolidation plan.


Click here to learn more about debt consolidation and finding a debt consolidation loan.


Credit Counseling 


Credit counseling teaches money management including budgeting, understanding your credit score, and setting up a debt management program.

Click here to learn more about Credit Counseling.


File Bankruptcy 


Bankruptcy is a last resort option – this legal action wipes out most debt, severely damages your average credit score, and is expensive and time-consuming.

Click here to learn more about bankruptcy.


Avoid credit repair services as there is nothing they can do that you cannot do for yourself to improve your credit report.

Contact Pacific Debt today so we can help you with your creditors.


DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.


The information included on this site is for educational purposes only. Your state may not qualify for the Pacific Debt, Inc debt relief program. If it does not qualify, we can refer you to a Trusted Partner or assist in connecting you with a provider who offers services in your state of residence.

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