Delaware 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!

SEE YOUR SAVINGS
Pacific Debt Relief can reduce your debt substantially!

For over 20 years our debt relief program has helped clients change the trajectory of their financial lives. Our work has impacted families and future generations. We are a debt relief company that provides exceptional customer service and works diligently to maintain your trust throughout our entire process.


Don't just take our word for it, read our video testimonial reviews. We're rated A+ and fully accredited by the Better Business Bureau (BBB). We have thousands of reviews and testimonials highlighting we are trustworthy, we keep our word, we have a friendly dedicated customer care team, we offer tailored programs to suit your unique needs, and offer ongoing encouragement throughout the process of becoming debt free. 


During your free debt relief consultation we will listen closely to your financial situation and create a tailored program to get you debt-free faster than you thought possible. We have helped hundreds of thousands of clients resolve millions in consumer debt. We are ready to help you get out of debt!

Delaware Debt Relief Reviews & Ratings

Delaware Debt Relief 5-star review by Janice, thankful for debt help and peace of mind.

What is Delaware Debt Relief?


Pacific Debt Relief is a top-rated debt settlement company that works directly with your creditors to negotiate lower balances on your behalf.

If you are struggling with high-interest debt in Delaware, you are not alone. Many residents face financial challenges due to rising living costs and mounting bills. Our experienced debt specialists will evaluate your situation and guide you through your debt relief options, including customized debt settlement programs.

  • No upfront fees
  • Personalized debt reduction plans based on your financial situation
  • One affordable monthly payment

Get a FREE consultation today with no obligation. We will explain all your options and help find the best one for you.


Debt Relief Programs in Delaware


Pacific Debt Relief offers one of the top-rated debt relief programs for eligible Delaware residents.


How It Works

  • We negotiate with your creditors to reduce your debt balance
  • You make one affordable monthly payment into a settlement savings account
  • Once enough funds accumulate, we pay off negotiated debts one by one

While debt settlement may impact your credit score in the short term, most clients see significant improvements once their debts are resolved.


Delaware Debt Statistics


In 2019, Delaware's state debt amounted to approximately $5.21 billion. During the same year, the total debt for local governments in Delaware was around $2.58 billion. Looking ahead to 2025, Delaware's state debt is projected to increase to about $6.32 billion, while local government debt is expected to rise to approximately $3.13 billion.

Carrying high-interest debt can feel overwhelming. Call Pacific Debt Relief today to take the first step toward financial freedom.

Pattie shares a 5-star review to Delaware Debt Relief, the debt relief process simple
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Does Debt Settlement Work?


Yes. Debt settlement is a proven strategy for lowering total debt balances and creating manageable repayment plans.

Rather than relying on balance transfer credit cards, personal loans, or debt consolidation loans, our program works directly with creditors to lower the total amount owed.

  • No new loans required
  • Lower overall debt balances
  • Faster debt repayment than traditional methods

Since 2002, Pacific Debt Relief has successfully settled over $300 million in debt for clients nationwide.

Find out how much you could save by scheduling a free consultation today.

Delaware Debt Relief 5-star review by Kathleen, grateful for a professional debt process.

Pacific Debt Relief Accreditation


Pacific Debt Relief is accredited by:

The Federal Trade Commission, a government program, also oversees debt relief companies. Always check the accreditation of debt relief companies as there are debt relief scams.


What Delaware Residents Can Expect from Our Debt Settlement Services

  • Personalized debt relief plans based on your financial situation
  • No upfront fees – program fees range from 15-25% of enrolled debt
  • Debt resolution in 2-4 years (on average)
  • Dedicated account managers and certified debt specialists
  • Ongoing customer support throughout the process
  • No new personal loans required

We negotiate directly with creditors to reduce balances and lower interest rates, helping you save thousands in unnecessary payments.

Call today at (833) 865-2028 to start your debt relief journey.

Melba gives 5 stars to Delaware Debt Relief, gratitude for much-needed help.

Delaware Statute of Limitations on Debt


Delaware has time limits on how long creditors can sue for unpaid debts:

  • Oral agreements: 3 years
  • Written contracts: 3 years
  • Promissory notes: 3 years
  • Credit cards & revolving loans: 3 years

Once the statute of limitations expires, creditors can no longer sue to collect the debt.


Debt Collection Laws


Delaware residents are protected against predatory debt collection practices under the federal Fair Debt Collection Practices Act (FDCPA).

Debt collectors in Delaware CANNOT:

  • Charge more than 6% interest on unpaid debts unless specified in a contract
  • Garnish more than 25% of wages
  • Use or threaten physical force, harassment, or abusive language
  • Make false legal claims or threats of arrest
  • Reveal debt information to employers, except in limited legal circumstances
  • Publicly disclose your debt information

Debt collectors MUST:

  • Identify themselves and their purpose when contacting you
  • Provide written notice if they intend to sue
  • Contact family members only to locate you—not to discuss your debt

Call us at (833) 865-2028 to discuss your situation and learn about your consumer rights and protections. Our knowledgeable debt specialists can provide guidance and advice.


Other Debt Relief Options


While debt settlement is a great option for many, we want you to understand all your choices, including:

  • Debt consolidation
  • Credit counseling
  • Bankruptcy

We’ll guide you through the best debt relief strategy for your financial situation. Get in touch today for a free debt analysis!

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Frequently Asked Questions

  • Why should I trust Pacific Debt Relief?

    For over 20 years our debt relief program has helped clients change the trajectory of their financial lives. Our work has impacted families and future generations. We are a nationwwide debt settlement company that provides excellent customer service and works diligently to maintain your trust throughout our entire process. 


    Don't just take our word for it, read our third-party reviews by visiting our Pacific Debt Relief reviews page or our video testimonials. We're rated A+ and fully accredited by the Better Business Bureau (BBB). We have thousands of reviews and testimonials highlighting we are trustworthy, we keep our word, we have a friendly dedicated customer care team, we offer tailored programs to suit your unique needs, and offer ongoing encouragement throughout the process of becoming debt free. We also provide practical personal finance tips and strategies through our financial educational resources to help you better manage your money and debt.


    During your free consultation we will listen closely to your financial situation and create a tailored program to get you debt free faster than you thought possible. We are ready to help you! Call us today. 

  • How do I qualify for Pacific Debt's debt relief program?

    To be qualified for our debt relief program, you must have more than $10,000 in unsecured debt (credit card debt, payday loans, personal loans, medical bills, collections and repossessions, business debts, and some student loans).


    We cannot help with debt from lawsuits or judgments, IRS debt, utility bills, auto or governmental loans, mortgages or home loans, or other secured debt.

  • Can Pacific Debt Relief really help me?

    Are you feeling the weight of your debt? Are your past financial choices impacting your future? We're here to offer a better way. For the past 20 years we have settled over $500 million in debt for our consumers. Call us today to hear how we could provide you with a customized financial plan to cut your monthly payments immediately giving you the cash flow and peace of mind you need. 


    Pacific Debt Relief is a nationwide debt settlement company recognized by numerous independent consumer review companies, including the Better Business Bureau. We have helped thousands of people reduce their debt, and we can help you too! Give one of our certified debt relief counselors a call to understand your options. You can also enroll in our debt settlement program through our website.

  • What is Pacific Debt Relief's program?

    Our nationwide debt settlement program is comprehensive and keeps you in control. Once you make the decision to get out of debt, you apply through our website. You’ll be connected with a certified credit counselor who will review your debt relief options with you. If debt settlement is right for you, we move forward with enrolling you into our debt relief program.


    Our debt relief program is quick and painless!


    Step 1 – Enroll through the Pacific Debt website


    Step 2 – Our Client Care department will guide you and give you a clear understanding of how our debt relief program works


    Step 3 – Sit back and let our professional debt negotiation team work for you and start saving you money!


    As you enter the debt settlement process, your assigned certified debt relief counselor will analyze your debt, monthly expenses, and your income. They look at your current budget and determine a payment estimate that works for you. Once enrolled, our negotiation team will work with your creditors to agree on a (usually) lesser amount of debt and a repayment schedule.


    Debt settlement includes unsecured debt such as medical bills, overdue utility payments, credit cards, personal loans, tax debt, payday loans, bankruptcy, and certain contracts, like gym memberships. We have trusted partners who will help you with payday loans and student loan consolidation.

  • What areas does Pacific Debt Relief service?

    Pacific Debt Relief is a nationwide debt settlement company. Below are the states we service.


    Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts,  Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming

  • I'm thinking bankruptcy, is it right for me?

    People often talk about bankruptcy and how you can declare bankruptcy to get out of debt. In reality, bankruptcy is a last resort. Keep in mind these points:

    • Bankruptcy can be very expensive, largely due to the legal fees
    • Bankruptcy has a stigma attached to it
    • Bankruptcy details are a public record
    • Bankruptcy can stay on your credit report up to 10 years
    • Loans after bankruptcy can be very expensive and difficult to obtain

    At Pacific Debt, we only recommend bankruptcy as the last possible resort. There are several other debt-relief options to try first. These include:

    • Debt Settlement – working with your creditors to agree on a lower amount to repay
    • Debt Consolidation – rolling all your debt into a lump sum and paying it off entirely
    • Debt Consolidation Loans – getting a loan to pay off all the debt, then repaying the loan at a better interest rate
    • Credit Counseling Services – assistance with budgeting and negotiating lower interest rates

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. Your state may not qualify for the Pacific Debt, Inc debt relief program. If it does not qualify, we can refer you to a Trusted Partner or assist in connecting you with a provider who offers servicing in your state of residence.

Are you ready for debt relief help now?

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