District of Columbia Debt Relief

Washington DC Debt Relief Company

District of Columbia Better Business Bureau

Pacific Debt Relief 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.

District of Columbia

District of Columbia is the home of America’s government. It is not a state buts hold a unique position. District of Columbia has an economy based on the federal government, professional and business service jobs. District of Columbia is ranked #50 for population and #1 for population density. As of 2018, over 700,000 people called the District of Columbia home.

Income

The median state income is $75,506. As of 2018, the minimum wage is $13.25 per hour. Unfortunately, 25.5% of the District of Columbian children under 18 live in poverty. For residents overall, 18.6% of all people in the District of Columbia live under the poverty level.

• Median state income: $75,506
• Minimum wage: $13.25/hour
• Children in poverty: 25.5%
• People in poverty: 18.6%

Homeowners

Less than half (40.3%) of the District of Columbians hold a mortgage. The median home price in the District of Columbia is $568,600 (2018). Of course, that median price depends on the location with some areas being much higher.

• Homeowner rate: 40.3%
• Median home price: $568,600

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Employment

District of Columbia has a current unemployment rate of 5.5%. However, the underemployment rate is 9.5%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

If this is you, we can help. Pacific Debt offers debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

• Unemployment: 5.5% (2018)
• Underemployment: 9.5% (2017)

District of Columbia Debt

District of Columbians carries a lot of debt. The average credit card debt is $8,291 (2018). The average student loan debt is $30,309. In addition, the District of Columbia has the highest average mortgage debt. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for District of Columbians to get into debt.

• Avg credit card debt: $8,291 (2018)
• Avg mortgage debt: $406,035 (2017)
• Avg student loan debt: $406,035 (2017)

District of Columbia Statute of Limitations

The District of Columbia’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 the District of Columbia, the following are the statutes of limitations for different types of debt.

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

District of Columbia Debt Relief & Debt Consolidation

If you have more debt than you can pay off, Pacific Debt Relief can help you consolidate your debt and learn to live debt-free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top-ranked debt relief company located in San Diego. We have helped countless people in the state of Colorado with debt relief. Contact us today so we can help you too!

We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills and repossessions.

It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help. Call us and inquire about our CO debt relief program and how it can help you.

Debt Collection Laws

District of Columbians is 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 District of Columbia Fair Debt Collection Practices Act (DCFDCPA) 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:

• Charges more than 10% interest
• Garnish more than 25% of wages
• U se/threaten physical force or criminal tactics to harm you, your property, or your reputation
• Accusing you of committing a crime for not paying the debt
• Make/threaten to make defamatory statements to someone else
• Threaten arrest, to seize assets, or garnish wages unless actually planning to take such action
• Use obscene or profane language
• Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
• Call you repeatedly or let your phone ring repeatedly
• Call frequently
• Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
• Reveal information about debt to anyone except your spouse or your parents if a minor.
• Publicly publish your name for failing to pay
• Send a postcard or letter with revealing information on the envelope
• Claim to be someone other than a debt collector, including a governmental official
• Use stationery that appears to be from a law firm
• Charge you collection or attorney’s fees unless legally allowable
• Threaten to report you to a credit reporting agency if they have no intention of doing so
• Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is

Debt collectors must:

• Disclose caller identification
• May contact your family to locate you
• Must serve you with notice of a lawsuit if suing you

Bankruptcy Court Information

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

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 to determine if you are eligible for a Chapter 7 or 13 bankruptcy
• 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 last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
• File for bankruptcy
• Chapter 7 bankruptcy fee is $306
• Chapter 13 bankruptcy fee is $281
• Meet with court assigned bankruptcy trustee
• Attend a Meeting of Creditors
• Confirm plan if filing for Chapter 13 bankruptcy
  

District of Columbia Cities Served by Pacific Debt

Aberdeen

Adelphi

Arbutus

Aspen Hill

Barnesville

Bel Air South

Berwyn Heights

Boonsboro

Brandywine

Brookmont

Burkittsville

Calvert Beach-Long Beach

Cape St. Claire

Catonsville

Chance

Chesapeake City

Cheverly

Chevy Chase Section Three village

Chillum

Clear Spring

Cockeysville

Columbia

Cresaptown-Bel Air

Cumberland

Deale

Denton

Dunkirk

East Riverdale

Edmonston

Elkton

Fairland

Federalsburg

Forestville

Fountainhead-Orchard Hills

Friendship Village

Funkstown

Garrett Park

Glenarden

Goddard

Grasonville

Green Haven

Halfway

Havre de Grace

Highfield-Cascade

Hillsboro

Hurlock

Jessup

Kensington

Kingsville

Landover Hills

La Plata

Laytonsville

Linganore-Bartonsville

Lonaconing

Lutherville-Timonium

Marlton

Maugansville

Middletown

Mitchellville

Mountain Lake Park

Mount Vernon

New Carrollton

North Bethesda

North Kensington

Ocean City

Overlea

Oxon Hill-Glassmanor

Pasadena

Pikesville

Poolesville

Potomac Heights

Pumphrey

Redland

Riva

Robinwood

Rosaryville

Rossville

St. Michaels

Seat Pleasant

Severna Park

Silver Spring

Solomons

South Laurel

Sudlersville

Taneytown

Tilghman Island

Union Bridge

Waldorf

Westernport

West Pocomoke

White Oak

Woodlawn CDP (Baltimore County)

Aberdeen Proving Ground

Algonquin

Arden-on-the-Severn

Ballenger Creek

Barton

Beltsville

Bethesda

Bowie

Brentwood

Brookview

Burtonsville

Calverton

Capitol Heights

Cavetown

Charlestown

Chesapeake Ranch Estates-Drum Point

Chevy Chase

Chevy Chase View

Church Creek

Clinton

Colesville

Coral Hills

Crisfield

Damascus

Deal Island

Discovery-Spring Garden

Eagle Harbor

Eden

Eldersburg

Ellicott City

Fairmount

Ferndale

Fort Meade

Frederick

Friendsville

Gaithersburg

Garrison

Glen Burnie

Golden Beach

Greater Landover

Greensboro

Hampstead

Hebron

Highland Beach

Hillsmere Shores

Hyattsville

Joppatowne

Kent Narrows

Kitzmiller

Langley Park

Largo

Leitersburg

Linthicum

Londontowne

Manchester

Martin's Additions village

Mayo

Midland

Montgomery Village

Mount Airy

Myersville

New Market

North Brentwood

North Laurel

Ocean Pines

Owings

Paramount-Long Meadow

Perry Hall

Pittsville

Port Deposit

Preston

Queen Anne

Reisterstown

Riverdale Park

Rock Hall

Rosedale

St. Charles

Salisbury

Secretary

Shady Side

Smith Island

Somerset

Springdale

Suitland-Silver Hill

Temple Hills

Towson

University Park

Walker Mill

West Laurel

Whaleyville

Willards

Woodlawn CDP (Prince George's County)

Accident

Andrews AFB

Arnold

Baltimore

Bel Air

Bennsville

Betterton

Bowleys Quarters

Brookeville

Brunswick

Cabin John

Cambridge

Carmody Hills-Pepper Mill Village

Cecilton

Charlotte Hall

Chester

Chevy Chase

Chevy Chase Village

Church Hill

Clover Hill

College Park

Cordova

Crofton

Dames Quarter

Deer Park

District Heights

East New Market

Edgemere

Eldorado

Emmitsburg

Fairmount Heights

Forest Glen

Fort Ritchie

Frenchtown-Rumbly

Frostburg

Galena

Germantown

Glen Echo

Goldsboro

Greater Upper Marlboro

Green Valley

Hampton

Henderson

Hillandale

Hughesville

Indian Head

Keedysville

Kettering

Lake Arbor

Lanham-Seabrook

Laurel

Leonardtown

Lochearn

Luke

Mardela Springs

Marydel

Mays Chapel

Milford Mill

Morningside

Mount Lena

Naval Academy

New Windsor

North Chevy Chase village

North Potomac

Odenton

Owings Mills

Parkville

Perryman

Pleasant Hills

Port Tobacco Village

Prince Frederick

Queenstown

Ridgely

Riverside

Rockville

Rosemont village

St. James

San Mar

Selby-on-the-Bay

Sharpsburg

Smithsburg

South Gate

Stevensville

Sykesville

Templeville

Trappe

Upper Marlboro

Walkersville

Westminster

Wheaton-Glenmont

Williamsport

Woodmore

Accokeek

Annapolis

Ashton-Sandy Spring

Barclay

Bel Air North

Berlin

Bladensburg

Braddock Heights

Brooklyn Park

Bryans Road

California

Camp Springs

Carney

Centreville

Chesapeake Beach

Chestertown

Chevy Chase Section Five village

Chewsville

Clarksburg

Cloverly

Colmar Manor

Cottage City

Crownsville

Darnestown

Delmar

Dundalk

Easton

Edgewood

Elkridge

Essex

Fallston

Forest Heights

Fort Washington

Friendly

Fruitland

Galestown

Girdletree

Glenn Dale

Grantsville

Greenbelt

Hagerstown

Hancock

Herald Harbor

Hillcrest Heights

Huntingtown

Jarrettsville

Kemp Mill

Kingstown

Lake Shore

Lansdowne-Baltimore Highlands

La Vale

Lexington Park

Loch Lynn Heights

Lusby

Marlow Heights

Maryland City

Middle River

Millington

Mount Aetna

Mount Rainier

Newark

North Beach

North East

Oakland

Olney

Oxford

Parole

Perryville

Pocomoke City

Potomac

Princess Anne

Randallstown

Rising Sun

Riviera Beach

Rohrersville

Rossmoor

St. Leonard

Savage-Guilford

Severn

Sharptown

Snow Hill

South Kensington

Stockton

Takoma Park

Thurmont

Travilah

Vienna

Washington Grove

West Ocean City

White Marsh

Wilson-Conococheague

Woodsboro

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.