Financial Anxiety

Financial Anxiety and How to Battle It

Financial Anxiety Current internet articles, posts, and headlines are filled with descriptions of the financial issues troubling many Americans. Layoffs, tax debt, and bankruptcies can add to the financial stress, and according to the American Psychological Association (APA), it’s taking a huge toll on our health. While the country continues to recover from the recession, many of us still feel the weight of crushing debt. Unfortunately, prolonged financial stress can negatively affect our physical, mental, and emotional health. The good news is that help is available. Options like relief from tax burdens, debt management programs, and budgeting strategies can provide […]

Get Budget Help With Budget Apps

What Are The Best Budgeting Apps of 2018?

The Best Budgeting Apps of 2018 Most people believe in the power of budgeting; some people think it’s just an excuse to avoid the real solution. Richard Quinn, a retired VP of Compensation and Benefits with over 50 years of experience in managing pension and 401k plans for a fortune 200 company, offers some profound advice about budgeting. One particular thing he mentioned about budgeting apps will strike a chord with most budgeting experts. According to Quinn, “Nobody needs an app. They don’t even need a budget. They need to do a few simple things: Take their net pay and […]

Pacific Debt Inc. Debt Validation

Read Over 1300 Real Pacific Debt Client Reviews

At Pacific Debt, we’ve always focused on providing an awesome customer experience and delivering great results. Over the past 15 years, our team has settled over $200 million in consumer credit card debt and helped tens of thousands of individuals and families. Read more Pacific Debt reviews from people we have helped get debt relief through our debt settlement program. A couple of years, ago, our team started actively asking our customers to share their experiences online, so that others who are struggling with debt could see for themselves the power of our program. In that time, our customers have shared over 1300 […]

How the debt ceiling impacts your credit card debt

As most Americans are aware our elected officials are currently evaluating a number of plans aimed at getting our nation’s ballooning debt under control while concurrently raising the debt ceiling. Without raising the debt ceiling, it is predicted that the US could default on its current debt obligations and see its credit rating plummet from AAA to D status. From a consumer’s standpoint that is like seeing your FICO credit score drop from 750 to 500 overnight. In fact, the Federal Reserve is making plans for this possible scenario. If the US does default, consumers should expect to see higher […]

No Upfront Fees Debt Settlement

If you are considering debt settlement as an option for debt relief help, it is important that you work with a company that does not charge you any upfront fees. A recent FTC ruling has made it illegal for most debt relief providers to charge consumers a fee until they begin to see results. Despite these changes, there are several companies out there attempting to circumvent the rules. Some of these companies are landing in hot water with state regulators and could be at risk of facing further sanctions. Please note that Pacific Debt is in full compliance with the […]

Sub Prime Credit Card Lending Surges

Have you opened your mail box recently to find a mountain of new credit card offers? According to a new report from Equifax the banks have seen a surge in new credit card originations over the past year. In fact originations are up over 28% year over years. Perhaps most revealing is this little nugget: Notable within the data is that lenders continue to expand the subprime category with Feb. 2011 subprime bankcard originations* up by more than 75 percent over Feb. 2010 numbers, and total new subprime bankcard credit up by more than 66 percent. Wasn’t sub prime lending […]

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