Utah 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!

Utah Debt Relief Reviews

Utah 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.

Please view our State of Utah Department of Commerce Registration. Call Pacific Debt today for your free Debt Consolidation Consultation.

Utah

Utah is home to the Great Salt Lake, the largest salt lake in the western hemisphere. Utah has a diverse economy based on tourism, mining, agriculture, manufacturing, information technology, finance, and petroleum production. Utah is ranked #34 for population and #40 for population density.

As of 2018, over 3.1 million people called Utah home. Salt Lake City is the largest city in Utah.

Income

The median state income is $67,481. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 10.8% of Utahn children under 18 live in poverty. For residents overall, 10.2% of all people in Utah live under the poverty level.

• Median state income: $67,481
• Minimum wage: $7.25/hour
• Children in poverty: 10.8%
• People in poverty: 10.2%

Homeowners

More than half (71%) of Utahns hold a mortgage. The median home price in Utah is $310,300 (2018). Of course, that median price depends on the location with some areas being much higher.

• Homeowner rate: 71%
• Median home price: $310,300

Is Utah a Community Property State?

Utah is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states. In the state of Utah, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.

There are 10 community property states in which the state sees your assets as community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

Employment

Utah has a current unemployment rate of 3.1%. However, the underemployment rate is 7.25%. 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 Utah debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

• Unemployment: 3.1% (2018)
• Underemployment: 7.5% (2017)

Utah Debt

Utahans carry a lot of debt. The average credit card debt is $11,222 (2018). The average student loan debt is $18,921. 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 Utahans to get into debt.

• Avg credit card debt: $11,222 (2018)
• Avg mortgage debt: $204,478 (2017)
• Avg student loan debt: $18,921 (2017)

Utah Statute of Limitations

Utah’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 Utah, the following are the statutes of limitations for different types of debt.

• Oral agreements: 4 years
• Written contracts: 6 years
• Promissory notes: 6 years
• Credit cards and other revolving loans: 6 years

Utah 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 have helped countless people in the state of Utah 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 UT debt relief program and how it can help you.