San Jose Debt Relief Program

San Jose is known as the Capital of Silicon Valley and the area is a booming high tech area filled with culture and economic opportunity. More than 1,030,119 people live in the third largest city in California. San Jose is an expensive city to live in. It is located in one of the most affluent counties in both California and the US. 

While San Jose may have a lot of money, there is also a lot of debt. Homelessness has increased by 42% within the city. In Santa Clara county, there are about 10,000 homeless people.  

Call today to talk to a debt specialist who can explain all your debt relief options so you understand them clearly.

The median income in San Jose is $83,400. As of 2019, the minimum wage is $15.25 per hour. Despite the income and the minimum wage, 12.3% of Santa Clara County children under 18 live in poverty. For residents overall, 18.7% of all people in San Jose live under the poverty level. This poverty rate is higher than the state average of 18%.  

Just over half (56.89%) of people in the metro area hold a mortgage. However, the median home price in San Jose topped $1,022,531 (2020). Rentals are just as expensive. The average rent in San Jose averages $2981 a month.

As of December 2019, the unemployment rate was 2.2%. The underemployment rate is less apparent, but the state averages 11.3% of workers are underemployed. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

Santa Clara county residents carry a lot of debt. San Jose residents have an average credit card debt of $7,569 (2019). The average medical debt per person is under $4,000. The average student loan debt is  $5,217. 

Debt consolidation and debt settlement are options in San Jose. You’ll find more information in the next few sections. 

If you live in San Jose and would like to talk to a debt professional. Contact us for free!

If you are one of the many people in San Jose that need help with debt, there are a number of options. Debt relief in San Jose is available from both non-profit and for-profit agencies.

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If you need more help, consider calling Pacific Debt, Inc for more information. Pacific Debt Inc is one of the leading debt settlement companies in the US and we have consistently been named one of the best for years. This year, we earned two #1 rankings for our customer service. We help you understand your options and whether or not debt settlement is your best option. If it is not, we can refer you to a trusted partner who may be more appropriate for your situation.

If you’d like more information on debt settlement or have more than $10,000 in credit card debt that you can’t repay, contact Pacific Debt, Inc . We may be able to help you become debt free in 2 to 4 years and we’ve settled over $300 million in debt for our customers since 2002.

Once you’ve completed our debt settlement program , your financial situation should start to improve. You’ll then be able to take the money you once had to pay towards your debt, and be able to use it for other purposes like saving, investing, retirement, etc.

Pacific Debt, Inc is accredited with the Consumer Debt Relief Initiative (CDRI) and is an A+ member of the Better Business Bureau . We rate very highly in Top Consumer Reviews, Top Ten Reviews, Consumers Advocate, Consumer Affairs, Trust Pilot, and US News and World Report.

For more information, contact one of our debt specialists today. The initial consultation is free, and our debt experts will explain to you all your options.

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

Californians 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 California Fair Debt Collection Practices Act (CFDCPA) add 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: 

Debt collectors must:

Bankruptcy Court Information of San Jose

Bankruptcy is a legal action that can erase most of your debt, and your credit history. It is not an action to take lightly. If you do, you must follow the following steps in California.

Persons filing for bankruptcy must: