Houston Debt Relief Program

Houston is the largest city in Texas and the 4th largest in the United States. More than 2 million people live in metro Houston. Whether people live in Houston for the energy industries, space technology, or commerce, Houston offers a diverse culture from the arts to the theater to rodeo. There is something for everyone.   

Because of Houston’s boom and bust economy there is a lot of poverty and homelessness. While poverty is high, Houston has decreased their homeless population by 5%. In Houston, there are about 3900 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 Houston is $63,802. As of 2019, the minimum wage is $7.25 per hour. Because of the low minimum wage, approximately 30% of Houston area children under 18 live in poverty. For residents overall, 21.2% of all people in Houston live under the poverty level. This poverty rate is higher than the state average of 13.7%.  

Less than half (41.9%) of people in the Houston metro area hold a mortgage. The median home price in Houston is a fairly low $189,846 (2020), but because of the poverty rate, purchasing a home may be out of the question. Rentals are moderately expensive. The average rent in Houston averages $1100 a month.

As of December 2019, the unemployment rate was 3.7%. The state averages 7.4% of workers are underemployed. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

Metro Houston residents carry a lot of debt. Houston residents have an average credit card debt of $5,418 (2019). The average medical debt per person is $850. The average student loan debt is $32,441. 

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

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

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 and 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.

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If you live outside the Houston area, click here to return to the State of Texas debt relief page to further assist you.

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

Texans 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 Texas Debt Collection Act (TDCA) adds 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 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 Texas.

Persons filing for bankruptcy must: