Wisconsin 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!

What is Wisconsin Debt Relief?

Relief involves paying off credit cards and other unsecured debt. Pacific Debt, Inc is one of the leading debt relief companies.

Contact us today for a FREE consultation with no obligation.

Our debt settlement program can help Wisconsin residents settle debt for substantially less than currently owed. This program takes between 2-4 years to complete. Pacific Debt deals directly with your creditors while guiding you throughout the entire process.

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

Pacific Debt has one of the best-rated settlement programs available for Wisconsin residents who are eligible for our relief program. Debt settlement is a great option when you face pressure from bill collectors and creditors. We understand what it is like to be unable to pay your creditor bills because of high interest rates or being unable to make the monthly payment for unsecured loans.

The secret to settlement is to stop paying your bills to make creditors negotiate. This action can come with late fees and collector phone calls. Debt settlement may cause some credit score damage as a settlement can stay on your credit report for up to seven years. Consider settlement for bills that are very delinquent or already in collections.

Most people considering debt programs do not have a high credit score. Most people who successfully complete our debt settlement services plan can see rapid improvements to their credit scores.

If you're a Wisconsin resident looking into debt relief programs, speak to one of our debt management experts -- you'll understand your options and how we can help you reduce unsecured debts.

Wisconsin Debt Relief Reviews

Does Debt Settlement Work?

Reputable debt settlement organizations, like Pacific Debt, can help you to live debt-free.

We do not require debt consolidation loans - we negotiate to reduce interest rates, offer helpful resources, and low total monthly payments with upfront fee disclosures. We can help you eliminate debt faster and improve your personal finances.

Get Free Consultation 

Pacific Debt Relief Accreditation

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

What Wisconsin Residents can expect from our Debt Settlement Services

• Affordable monthly payments based on your budget
• Resolve your situation in 2-4 years
• No fees upfront and low monthly fees- fees vary from 15-25% of the total enrolled amount and state of registration
• Personal attention from our Client Success team
• Develop a debt management plan or 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!

Wisconsin Debt Relief Testimonials

Wisconsin Debt Relief Reviews

Wisconsin BBB - 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.

We have helped thousands of Wisconsin consumers as an accredited debt settlement company, just like Jody from Chilton Wisconsin. Call us today, we can help you too! We can help you understand all your financial options and create a debt management plan with our debt settlement specialists.

The State of Wisconsin

Wisconsin is known as the state that produces the best cheese. In reality, Wisconsin has a diverse economy based on manufacturing, agriculture, and health care. Wisconsin is ranked #20 for population and #23 for population density.

As of 2018, over 5.8 million people called Wisconsin home. Milwaukee is the largest city in Wisconsin.

Income

The median state income is $52,893. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 15.3% of Wisconsinite children under 18 live in poverty. For residents overall, 11.8% of all people in Wisconsin live under the poverty level.

• Median state income: $52,893
• Minimum wage: $7.25/hour
• Children in poverty: 15.3%
• People in poverty: 11.8%

Homeowners

More than half (68%) of Wisconsinites hold a mortgage. The median home price in Wisconsin is $179,600 (2018). Of course, that median price depends on the location with some areas being much higher.

• Homeowner rate: 68%
• Median home price: $179,600

Employment

Wisconsin has a current unemployment rate of 2.9%. 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. Our certified counselors help you work up a budget and explain your options.

• Unemployment: 2.9% (2018)
• Underemployment: 7.9% (2017)

Wisconsin Debt Relief

Wisconsinites carry a lot of debt. The average credit card debt is $6,484 (2018). The average student loan debt is $28,810. 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 Wisconsinites to get into debt.

• Avg credit card debt: $6,484 (2018)
• Avg mortgage debt: $142,993 (2017)
• Avg student loan debt: $28,810 (2017)

Wisconsin Statute of Limitations

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

• Oral agreements: 6 years
• Written contracts: 6 years
• Promissory notes: 10 years
• Credit cards and other revolving loans: 6 years

Debt Relief & Debt Consolidation

If you have more debt than you can pay off and can not make minimum monthly payments, Pacific Debt can help you live without debt. Since 2002, we've settled over $200 million in debt for thousands of clients.

We will help you work through our proven debt management program that involves one monthly payment into a savings account. Your certified debt settlement counselor will review all your options. If debt settlement is right for you, we move forward with our debt settlement plan and work to save money on your enrolled debt-- unsecured debt like credit card debt, medical bills, and loans.

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.

We are a nationally top-ranked company specializing in debt settlement and we have helped countless Wisconsin residents with our national debt management program. Contact us today so we can help you too!

Call us and ask our award winning debt specialists about our debt settlement program and how it can help you reduce debt faster.

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

Get Free Consultation 

Other Wisconsin Debt Relief Programs

We are a debt settlement company and have discussed debt settlement in detail. The quick version is: you (or a company) negotiates with creditors to lower the debt amount of unsecured loans, like credit card debt and helps you to save money. Debt settlement is not for secured debt like a car loan.

Click here to learn more about debt settlement.

We want you to understand your options. These include debt consolidation, credit counseling, and bankruptcy.

Debt Consolidation

This option will consolidate debt by rolling all debt into a debt consolidation loan is tis then paid off by a single payment each month. You apply with a loan company for a low interest rate debt consolidation loan to pay off the debt or work with a debt consolidation program.

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

Credit Counseling 

Credit counseling helps you learn money management including developing a budget, helping you understand your credit score, and set up a debt management plan.

Click here to learn more about Credit Counseling.

File Bankruptcy 

Filing bankruptcy is a last resort option – this legal action wipes out most of your total debt, severely damages your credit for up to ten years, and is expensive and time-consuming.

Click here to learn more about bankruptcy.

Debt Collection Laws

Wisconsinites 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
• U se/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

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 Wisconsin.

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
  

We Provide Debt Relief to Wisconsin Cities