Virginia Debt Relief Quick Links

What is Virginia Debt Relief?

Virginia debt relief is the relief of unsecured debt, like credit card debt and student loan debt. Pacific Debt offers its debt relief program in the form of debt settlement. The program is aimed at getting Virginia residents out of debt for substantially less than what they currently owe. This debt relief program usually takes anywhere between 2-4 years to complete and Pacific Debt will be dealing directly with your creditors while guiding you throughout the entire process.

We understand what it is like living in Virginia and be unable to pay your creditor bills because of high interest rates or just being unable to make the monthly payment for your unsecured loans. Whether it be credit card debt, student loan debt, or payday loan debt, we want you to know we are here to help! You should be interested in finding out more information if you find yourself searching for free information about credit counseling, or debt relief in Virginia. Debt settlement may have a negative effect on your credit score but either way, you will probably take a severe hit at some point.

If you’re a Virginia resident and want to speak to one of our VA debt management experts to help you understand all your options regarding credit card debt and how we can help you reduce your unsecured debts.

Speak to one of our debt specialists who can help you out if you are on the verge of financial hardship. We can answer your questions and help you understand all your debt relief options which include debt consolidation, debt settlement, and bankruptcy.

Indiana Debt Consolidation Company
Virginia Debt relief companies like Pacific Debt helped countless residents in the state of Virginia reduce their debt substantially since 2002.

Professional Virginia Debt Settlement Company

How Pacific Debt Can Help

Pacific Debt has helped hundreds of people living in Virginia reduce their credit card debt. If you find yourself struggling with your credit card monthly payments or high interest rates, we can help with our debt relief program! If you live in Virginia and are in serious financial hardship, we can help! We provide debt relief in the form of debt settlement. We have a lot of customers who find us by searching for “debt consolidation Virginia” but their credit is not at the point where they can obtain a loan. Usually, in this case, the customer will then choose debt settlement over bankruptcy.

Call us for FREE and talk to a debt specialist today to find out all your debt solutions. Our customer service agents are standing by ready to help you.

We have been rated as one of the best debt settlement company of 2018, 2019, and 2020 from US News & World Reports. We now help those residents living in the state of Virginia. We help eliminate your credit card debt with our debt relief program in the form of debt settlement. If you live anywhere in Virginia, please do not hesitate to call us right away. See how much money we can save you each month. Talk to our debt management experts for free.

You may benefit from Pacific Debt’s program if this sounds like your situation:

  • interested in hearing information on Virginia debt consolidation loans
  • inquiring about Bankruptcy alternative options in Virginia in order to get debt forgiveness
  • Living in the state of Virginia and are need debt relief right away
  • You have too much credit card debt or unsecured debt and cannot afford to make the payments anymore
  • Need help with your debt management plan
Feel free to read more information on debt settlement. If you are looking for a debt consolidation alternative or bankruptcy alternative, contact us right away for immediate help.

Since 2002Pacific Debt has settled over $300 million in debt for our clients. Contact us today to see how we can help you with debt relief.

Virginia Debt Relief Testimonials

  • The representative answered all of my questions to the best of her ability and when she was unsure, she reached out for help. She was very kind and made sure I was comfortable with the program before enrolling. Looking forward to the next few years with Pacific Debt.
    Debt Free
    Clifton, Virginia Debt Relief Review
    February 25, 2019
    Provided by BestCompany

    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 you can help you.

  • The representative answered all of my questions to the best of her ability and when she was unsure, she reached out for help. She was very kind and made sure I was comfortable with the program before enrolling. Looking forward to the next few years with Pacific Debt.
    C.
    Lynchburg, Virginia Debt Relief Review
    September 07, 2018
    Provided by BestCompany

    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 you can help you.

  • I think I am going to like it very much. Eva L. was great. She explained every thing in full detail. I wish I had called sooner. Thanks so much
    Patricia
    Beaverdamn, Virginia Debt Relief Review
    April 13, 2018
    Provided by BestCompany

    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 you can help you.

  • My husband did the research and really liked them. From the very beginning they were very flexible with me. At first they wanted 22% of the debt payments but we were able to negotiate and got it down to 20%. They’re flexible and helpful like that. They always get back to me whenever I have questions and communicate really well through emails. They were all very detail oriented. We got letters, emails, and phone calls too whenever they needed to communicate with us or give us updates. They talked with the creditors and negotiated great savings for us. They explained what they were going to do, but also how they’d do it. They also told us how to handle things and how to go about doing what we needed to do. They were very thorough and always went the extra mile for us. I’m relieved that I did it, I’m completely out of debt now. I’m very happy I went with it.
    Lorretta
    Chantilly, Virginia Debt Relief Review
    Febrauray 13, 2018
    Provided by BestCompany

    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 you can help you.


Our debt relief program can help residents through out Virginia. including Virginia Beach, Norfolk, and Chesapeake.

Virginia Debt Relief Case Studies

Norfolk Virginia debt relief and debt consolidation reviewsI’m going through a divorce and I have fallen behind on payments. I have reached out for assistance through debt settlement to pay off my accounts listed and avoid bankruptcy. Norfolk, Virginia Debt Relief Case Study

Location: Norfolk, Virginia

Richmond Virginia debt relief and debt settlement companyI went through a divorce in November of 2015. This caused things to spiral out of control. I had no debt and good credit, now I have debts and bad credit. I want to set a plan in place to resolve my debts once and for all.Richmond, Virginia Debt Relief Case Study

Location: Richmond, Virginia

Virginia Better Business Bureau

Pacific Debt is an A+ rated Virginia debt relief 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.

Read more Virginia debt relief reviews and case studies to see how Pacific Debt helped people eliminate and settle their unsecured debts.

Pacific Debt offers a FREE Debt Relief Consultation to anyone looking at debt settlement options. Our Virginia Debt Relief Program is designed to try to get you out of debt in 2-4 years.

Virginia Debt Relief Help

Click here to get your FREE Debt Consultation & Savings Estimate, or call us immediately for debt relief at 800-909-9893

We can help you and your family with Virginia debt relief and consolidation.

State of Virginia

Virginia offers an incredible history, notable people, and scenery from the ocean to the Appalachians to the Cumberland Plateau. Virginia has a diverse economy based on the federal government, military, agriculture, and business. Virginia is ranked #12 for population and #14 for population density.

As of 2018, over 8.5 million people called Virginia home. Virginia Beach is the largest city in Virginia.

Pacific Debt offers a FREE Virginia Debt Relief Consultation to anyone looking at debt settlement options. Our Virginia Debt Relief Program is designed to try to get you out of debt in two to four years.

Is Virginia a Community Property State?

Virginia is not a community property state or a spousal 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 Virginia, 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.

Income in Virginia

The median state income is $68,114. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 13.9% of Virginian children under 18 live in poverty. For residents overall, 11% of all people in Virginia live under the poverty level.

  • Median state income: $68,114
  • Minimum wage: $7.25/hour
  • Children in poverty: 13.9%
  • People in poverty: 11%

Homeowners in Virginia

More than half (67.5%) of Virginians hold a mortgage. The median home price in Virginia is $251,100 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 67.5%
  • Median home price: $251,100

Employment in Virginia

Virginia has a current employment rate of 3.4%. However, the underemployment rate is 9.1%. 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 Virginia debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

  • Unemployment: 3.4% (2018)
  • Underemployment: 9.1% (2017)

Virginia Debt Statistics

Virginians carry a lot of debt. The average credit card debt is $7,867 (2018). The average student loan debt is $28,751. In addition, Virginia is in the top 10 states with the highest average mortgage debt. 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 Virginians to get into debt.

  • Avg credit card debt: $7,867 (2018)
  • Avg mortgage debt: $246379 (2017)
  • Avg student loan debt: $28,751 (2017)

Virginia Statute of Limitations

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

  • Oral agreements: 3 years
  • Written contracts: 5 years
  • Promissory notes: 6 years
  • Credit cards and other revolving loans: 6 years

Virginia 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.

Virginia Debt Collection Laws

Virginians 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. 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

Virginia 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 Virginia.

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.

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