Arizona Debt Relief
Arizona Debt Relief Reviews
Arizona Better Business Bureau
Pacific Debt is an A+ rated 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.
Pacific Debt settlement
Pacific Debt is a debt relief agency that has helped Arizona residents reduce debt significantly through debt settlement . Since 2002, we've settled over $200 million in debt for our customers. If you are an Arizona resident and struggling with credit card balances, medical debt, or any other unsecured debt.
Contact us today for your FREE consultation with no obligation.
Our debt settlement program could save you from an Arizona bankruptcy. Our debt relief agency is your best alternative to debt consolidation or bankruptcy with a law firm.
Debt Relief Testimonials
Common Questions for Debt Solutions
Reasons to Get Debt Relief in Arizona
There are many reasons why you want relief from debt in Arizona. Perhaps you lost your job or were hit by the recent recession. Maybe you have medical bills or are struggling to keep up with credit card company payments.
If you are looking for Arizona debt settlement companies, you could benefit our free consultation. Our experts explain the available Arizona relief programs. We'll go over your debts and look at the current interest rate of any unsecured loan.
Relief isn't easy, but it's not impossible! Our staff is standing by with a free consultation and no upfront fees.
Common Types of Debt Relief Options
Each debt solution has pros and cons. Everyone's financial situation is unique so speak to a specialist who can help you understand your options .
- Debt Consolidation Loan
- Debt Settlement
- Credit Counseling
- Debt Management Program
- Bankruptcy
Debt Consolidation Loans
Debt consolidation loans roll debt into one loan. This low interest loan is used to consolidate debt and then pay the total. The loan is paid with a consolidated monthly payment. This one monthly payment can make debt repayment manageable.
Debt consolidation depends on your total debt and finding someone to lend money to you.
Debt Settlement Services
Debt settlement can be helpful in resolving unsecured debt. An Arizona debt settlement company negotiates a lower amount. While negotiations are underway, you save sufficient funds to pay the negotiated debt. The company may get creditors to forgive some debt.
You make a monthly payment into an insured savings account. The payments are used to pay down debt according to your payment plan.
Do research before choosing a debt settlement company.
Pacific Debt is one of the best debt settlement companies because of our exceptional customer service. We have relationships with most credit card companies and lenders throughout the United States.
If you have debt, our debt settlement programs can help.
If you live in Arizona and want out of debt, then a debt settlement company could be your best solution.
Credit Counseling
Credit counseling involves working closely with a credit counselor at a credit counseling agency to develop a debt repayment plan. A credit counseling agency can help you negotiate with creditors and develop a budget to pay off debts.
Credit counseling may help lower interest rates or waive certain fees. through a full balance debt resolution program. Look for an accredited, not-for-profit debt counseling agency and a professional credit counselor.
Debt Management Program
Debt Management Programs are formal agreements between debtors and creditors to repay a monitary percentage over a fixed period of time. A debt management plan can help consumers struggling to make minimum payments on credit cards or other debts.
Under a DMP, the collection agency stops all collection activity against the debtor. The creditor may reduce or eliminate interest charges and late fees. The DMP goal is to help the debtor get back on track financially so they can pay off their entire debt balance.
Bankruptcy
Bankruptcy is a legal action by a person who cannot repay debts owed to creditors.
When a person declares bankruptcy, they declare they are unable to pay back debts. This can be due to financial difficulties, such as high levels of debt or unemployment. Often, bankruptcy results in liquidation, meaning all assets are sold off to repay their debts.
Bankruptcy is the most damaging to your credit score. Bankruptcy is very expensive.
More about Bankruptcy.
Bankruptcy Court Information
Bankruptcy erases most debt as well as your credit history. It is not an action to take lightly. Arizona residents must follow the following Arizona Bankruptcy law.
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
- 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 the last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
- File for bankruptcy
- Chapter 7 fee is $306
- Chapter 13 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.
The information included on this site is for educational purposes only. Your state may not qualify for the Pacific Debt, Inc debt relief . If it does not qualify, we can refer you to a Trusted Partner or assist in connecting you with a provider who offers services in your state of residence.
The Pros of Our Debt Relief Program
We have no upfront fees and provide a free debt analysis consultation to see how we can help. If you want a reputable company to help you reduce debt, we are your company.
We may help you settle your debt for less than what you owe with the possibility of becoming debt-free in 24-48 months.
There are other Arizona debt reduction programs and debt solutions but we are leaders in the debt industry and have a successful track record with Arizona debt negotiation
Debt Relief For the Following Arizona Cities:
Ajo
Arizona City
Avra Valley
Bisbee
Bluewater
Burnside
Carefree
Catalina Foothills
Chilchinbito
Cibecue
Clifton
Cordes Lakes
Cottonwood-Verde Village
Dilkon
Drexel Heights
East Fork
El Mirage
Florence
Fountain Hills
Gila Bend
Globe
Grand Canyon Village
Hayden
Houck
Kachina Village
Keams Canyon
Lake Havasu City
Litchfield Park
Mammoth
Mayer
Moenkopi
Mountainaire
New Kingman-Butler
Oracle
Parker
Paulden
Peoria
Pima
Pirtleville
Prescott Valley
Red Mesa
Rio Rico Southwest
Round Rock
St. David
San Carlos
Santa Rosa
Sedona
Shonto
Snowflake
Springerville
Strawberry
Sun Lakes
Surprise
Taylor
Three Points
Tonto Basin
Tubac
Tumacacori-Carmen
Wellton
Wickenburg
Williamson
Winslow
Youngtown
Ak-Chin Village
Arizona Village
Bagdad
Bitter Springs
Bouse
Cameron
Casa Grande
Cave Creek
Chinle
Cibola
Colorado City
Cornville
Dennehotso
Dolan Springs
Dudleyville
East Sahuarita
Eloy
Flowing Wells
Fredonia
Gilbert
Gold Camp
Greasewood
Heber-Overgaard
Huachuca City
Kaibab
Kearny
Lake Montezuma
Littletown
Many Farms
Mesa
Mohave Valley
Munds Park
New River
Oro Valley
Parker Strip
Payson
Peridot
Pine
Pisinemo
Quartzsite
Rio Rico Northeast
Rio Verde
Sacaton
St. Johns
San Luis
Sawmill
Seligman
Show Low
Somerton
Spring Valley
Summit
Sun Valley
Swift Trail Junction
Teec Nos Pos
Tolleson
Top-of-the-World
Tuba City
Tusayan
Wenden
Wilhoit
Willow Valley
Winslow West
Yuma
Amado
Ash Fork
Benson
Black Canyon City
Buckeye
Camp Verde
Casas Adobes
Central Heights-Midland City
Chino Valley
Clarkdale
Congress
Corona de Tucson
Desert Hills
Douglas
Duncan
Ehrenberg
First Mesa
Fort Defiance
Gadsden
Gisela
Golden Valley
Green Valley
Holbrook
Jeddito
Kaibito
Kingman
Lechee
Lukachukai
Marana
Mesquite Creek
Mojave Ranch Estates
Naco
Nogales
Page
Parks
Peach Springs
Phoenix
Pinetop-Lakeside
Poston
Queen Creek
Rio Rico Northwest
Rock Point
Safford
St. Michaels
San Manuel
Scottsdale
Sells
Sierra Vista
Sonoita
Stanfield
Sun City
Supai
Tacna
Tempe
Tombstone
Tortolita
Tucson
Vail
Whetstone
Willcox
Window Rock
Yarnell
Apache Junction
Avondale
Big Park
Blackwater
Bullhead City
Canyon Day
Catalina
Chandler
Chuichu
Claypool
Coolidge
Cottonwood
Dewey-Humboldt
Drexel-Alvernon
Eagar
Elgin
Flagstaff
Fortuna Foothills
Ganado
Glendale
Goodyear
Guadalupe
Hotevilla-Bacavi
Jerome
Kayenta
Kykotsmovi Village
Leupp
McNary
Maricopa
Miami
Morenci
Nazlini
Oljato-Monument Valley
Paradise Valley
Patagonia
Peeples Valley
Picture Rocks
Pinon
Prescott
Queen Valley
Rio Rico Southeast
Rough Rock
Sahuarita
Salome
Santan
Second Mesa
Shongopovi
Sierra Vista Southeast
South Tucson
Steamboat
Sun City West
Superior
Tanque Verde
Thatcher
Tonalea
Tsaile
Tucson Estates
Valencia West
Whiteriver
Williams
Winkelman
Young
Disclaimer: In some states, PDR may not be able to offer our services directly due to state regulations related to debt settlement. In those instances, PDR will refer you to a reputable debt relief provider or attorney firm for assistance with your debt. We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state. The information included on this site is for educational purposes only.
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