Trustpilot Pacific Debt - Texas customer relief review

Texas Debt Relief Company

What is Texas debt relief?

Debt relief is the process of reducing your debt by either debt settlement or debt consolidation. Pacific Debt offers debt relief via debt settlement in the state of Texas, as well as on a national level. Pacific Debt has debt specialists who take an aggressive approach to debt settlement with your creditors.

How does Texas debt relief work?

The first step of the debt relief process is to have a FREE phone call with one of our debt specialists who can fully explain all your options to you in detail. The debt relief program is simple, you just deposit an agreed-upon amount into your very own escrow account that you have full control of. Once you have had enough funds build up in your escrow account, your Pacific Debt account representative will start to actively engage your creditors in order to reach a debt settlement agreement.

Is Texas debt relief legit?

Pacific Debt has helped thousands of residents in Texas get the debt relief they very much needed in order to move forward with their life. We have settled over $300 million in debt with all types of creditors since we opened up for business in 2002.

Our debt relief program can help you become debt free or at least help you create a low single monthly payment for your debt. Our goal is to reduce your existing debts significantly. Pacific Debt Inc was named as One of the Best Debt Settlement Companies of 2019 and 2020. We operate in over 30 states for debt relief, include Texas. If you are looking for a way to lower your single monthly payment, we can help you!

Successful Debt Settlement Case Studies

Houston Texas debt relief, debt consolidation settlementI am having a very difficult time paying the debt down while dealing with high interest rates and the balances. Read Case Study

Location: Houston, Texas

Dallas Texas Debt Relief settlement consolidation reviewsI am current on my accounts and now I need to get out of debt. I want a payment that will be affordable and allow me to be debt free quickly. Read Case Study

Location: Dallas, Texas

Better Business Bureau of Texas

Pacific Debt is an A+ rated business with the BBB. We have been accredited since 2010 and operating since 2002. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

Texas Office of Consumer Credit Commissioner Business Search

Helpful Links for Consumers and Licensees

Texas Admin Code

View our Pacific Debt Inc 2020 State of Texas Debt Management Registration

2019 State of Texas Debt Management Registration

Click to talk to a credit counselor today for FREE!, or you can call us at 800-909-9893

The State of Texas

Texas is the second-largest state in both population and size. Texas’ GDP is larger than Australia’s and comes from abundant natural resources. Texas is ranked #32 for population and #40 for population density.

As of 2018, over 27 million people called Texas home. Houston is the largest city in Texas.

Is Texas a Community Property State or Mutual Property State?

The state of Texas is a community property state. Therefore assets are seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states, or mutual property states. We have those states listed below.

Currently, there are only 10 community property states in which your assets are equally shared. They are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

Income in Texas

The median state income in Texas is $56,565. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 22.2% of Texan children under 18 live in poverty. For residents overall, 15.6% of all people in Texas live under the poverty level. p

  • Median state income: $56,565
  • Minimum wage: $7.25/hour
  • Children in poverty: 22.2%
  • People in poverty: 15.6%

Homeowners in Texas

More than half (61.7%) of Texans hold a home mortgage. The median home price in Texas is $185,900. (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 61.7%
  • Median home price: $185,900

Employment in Texas

Texas has a current employment rate of 4.0%. However, the underemployment rate is 8.6%. 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 Texas debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

  • Unemployment: 4.0% (2018)
  • Underemployment: 8.6% (2017)

Texas Debt Statistics

Texans carry a lot of debt. The average credit card debt is $7,692 (2018). The average student loan debt is $26,236. 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 Texans to get into debt.

  • Avg credit card debt: $7,692 (2018)
  • Avg mortgage debt: $166,762 (2017)
  • Avg student loan debt: $26,236 (2017)

Texas Statute of Limitations

Call us today and have a FREE chat with a credit counselor. They can help explain to you all your options in great detail so you understand.

Texas’ 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 Texas, 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

Texas 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 $300 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 TX

Texans 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 Texas 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 stationery 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

Texas 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 Texas.

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.

Texas Cities We Service

San Antonio
Fort Worth
El Paso
Corpus Christi
Grand Prairie
Round Rock
Sugar Land
The Woodlands (CDP)[5]
College Station
League City
Wichita Falls
San Angelo
New Braunfels
Flower Mound
Cedar Park
Atascocita (CDP)
Missouri City
North Richland Hills
San Marcos
Spring (CDP)
Port Arthur

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Pacific Debt Inc featured on for Debt Settlement Options
TX BBB accredited debt relief business
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