Maryland Debt Relief

Maryland Debt Relief Reviews

Maryland Debt Relief Testimonials

BBB of Maryland

Pacific Debt Relief is an A+ rated Business with the BBB for debt negotiation services to individuals and families struggling with unsecured debt. We have been accredited since 2010 and in business since 2002.



We have helped countless people struggling to pay their credit card balances. Our debt specialists can help you with a FREE consultation.

Debt Consolidation Maryland Department of Labor 2020 Licensing & Regulation

View the List of Official Debt Settlement Service Providers located in the state of Maryland.

See the Updated State Laws regarding Debt Settlement

The State of Maryland

Maryland offers an incredible history, notable people, and scenery from the ocean to the Appalachians. The Chesapeake Bay is at the heart of the state and our national anthem was inspired at Fort McHenry. Maryland has a diverse economy that supports the federal government, military, and some manufacturing. Maryland is ranked #19 for population and #5 for population density.

As of 2018, over 6 million people called Maryland home. Baltimore is the largest city in Maryland.

Maryland Income

The median state income is $78,945. As of 2018, the minimum wage is $10.10 per hour. Unfortunately, 12.4% of Marylander children under 18 live in poverty. For residents overall, 9.7% of all people in Maryland live under the poverty level.

• Median state income: $78,945
• Minimum wage: $10.10/hour
• Children in poverty: 12.4%
• People in poverty: 9.7%

Is Maryland a Community Property State?

Maryland is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 9 states that are community property state including Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

In the state of Maryland, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.

Homeowners in Maryland

More than half (66.9%) of Marylanders hold a mortgage. The median home price in Kentucky is $284,000 (2018). Of course, that median price depends on the location with some areas being much higher.

• Homeowner rate: 66.9%
• Median home price: $284,000

Employment in Maryland

Maryland has a current unemployment rate of 4.3%. However, the underemployment rate is 8.1%. 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 Maryland debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

• Unemployment: 4.3% (2018)
• Underemployment: 8.1% (2017)

Maryland Debt Statistics

Maryland residents carry a lot of debt. The average credit card debt is $7,913 (2018). The average student loan debt is $27,672. In addition, Maryland is in the top 10 states with 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 Maryland consumers to get into debt.

• Avg credit card debt: $7,913 (2018)
• Avg mortgage debt: $256,744(2017)
• Avg student loan debt: $27,672 (2017)

Statute of Limitations in Maryland

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

• Oral agreements: 3 years
• Written contracts: 3 years
• Promissory notes: 12 years
• Credit cards and other revolving loans: 3 years

Maryland Debt Relief & Consolidation

If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. We are a nationally top ranked debt relief company located in San Diego.

We will help you work through our proven and comprehensive relief program. Your certified debt settlement counselor will review all your options.

If debt settlement is right for you, we move forward with our settlement plan and work to save money on your enrolled unsecured debt like credit card accounts and medical bills.

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.



We will help you work through our proven program that involves one monthly payment into a savings account.

Debt Collection Laws in Maryland

Marylanders 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 Maryland Fair Debt Collection Practices Act (MFDCPA) 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

MD Bankruptcy Court Information

Bankruptcy is a legal action that can erase most of your debt as well as your credit history.

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 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.

Pacific Debt Relief

We are a nationally top-ranked company specializing in debt settlement and we have helped countless Maryland residents with our national program. Contact our professional debt negotiators today so we can help you too!

Call us and ask our award-winning debt specialists about our settlement program and how it can help you reduce debt faster.

Since we are a national debt relief company, we may be able to help your relatives as well. If we cannot, we will refer you to other programs including debt consolidation programs that we trust.

Get Free Consultation 

Other Debt Relief Programs

We are a debt settlement company and have discussed debt settlement in detail. Click here to learn more about debt settlement.

We want you to understand your options and reach financial stability. These include debt consolidation, credit counseling, and bankruptcy.

Read all program materials prior to enrolling with any program.

Debt Consolidation program

Debt consolidation works to consolidate debt by rolling all debt into a low interest rate debt consolidation loan, often home equity loans, or work with a debt consolidation company to set up a consolidation plan.

Click here to learn more about debt consolidation and finding a debt consolidation loan.

Credit Counseling 

Credit counseling helps you learn money management including developing a budget, helping you understand your credit score, and set up a debt management program. Look for professional credit counselors from a non-profit credit counseling organization.

Click here to learn more about Credit Counseling.

File Bankruptcy 

Filing bankruptcy is a last resort option – this legal action wipes out most of your total debt, severely damages your credit for up to ten years, and is expensive and time-consuming.

Click here to learn more about bankruptcy.

Avoid credit repair services as there is nothing they can do that you cannot do for yourself to improve your credit report.

Contact Pacific Debt today so we can help you with your creditors.

Debt Collection Laws

Maryland s have laws to protect them 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 Maryland Fair Debt Collection Practices Act adds protection against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.

Providing Debt Relief to Maryland Cities