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North Carolina 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 us today for a FREE consultation!
Does National Debt Settlement Work?
Yes! Reputable debt settlement companies, especially Pacific Debt, can help you to live debt-free. We have great NC debt relief reviews. Make sure you check them out. Our debt counselors are experts at debt negotiation.
Get a FREE consultation with no obligation. We will help you choose the best debt relief option for your situation.
No balance transfer credit card, no home equity loan - just lower interest rates, helpful resources, and low total monthly payments and upfront fee disclosures to help you get out of debt faster and avoid future financial hardship.
North Carolina Debt Relief Reviews
We Provide National Debt Relief
We are one of the leading debt settlement companies in the US. Since we provide national debt settlement programs, Pacific Debt has helped thousands of people reduce their debt, including credit card debt and personal loans.
Since 2002, we've settled a national average of over $300 million in debt for our clients. Contact us today to see how we can help you settle multiple debts.
Pacific Debt Accreditation
Pacific Debt Relief is proud to be accredited by the following organizations.
- The International Association of Professional Debt Arbitrators
- The Consumer Debt Relief Initiative
- Better Business Bureau
In addition, the Federal Trade Commission, a government program, oversees debt settlement companies and debt consolidation companies.
Always check the accreditation of debt settlement companies!
To be eligible for the Pacific Debt program, you must
- A total debt enrolled of at least $10,000 in unsecured debt (credit card companies, payday loans, personal loans, medical bills, collections and repossessions, business debts, and some student loans). If you have federal student loans, we can advise you on the Public Service Loan Forgiveness program.
- You are having difficulties making minimum payments (you'll put what you can afford into a single monthly payment into a savings account)
- Live in a state where we can do business.
Pacific Debt provides national debt settlement in the following states:
Alabama,
Alaska,
Arizona,
Arkansas,
California,
Colorado,
District of Columbia,
Florida,
Idaho,
Indiana,
Kentucky,
Louisiana,
Massachusetts,
Maryland,
Michigan,
Minnesota,
Missouri,
Mississippi,
Montana,
North Carolina,
Nebraska,
New Mexico,
New York,
Oklahoma,
Pennsylvania,
South Dakota,
Texas,
Utah,
Virginia,
Wisconsin
* Other states, such as West Virginia and South Carolina, can be connected to one of our trusted partners
If you owe back taxes, we will advise you on available federal government programs from the IRS. Back child support payments can often be negotiated with the state DHS.
What North Carolina Residents can expect from our Debt Settlement Program
- One monthly payment is based on your budget
- Resolve your debt in 2-4 years
- No upfront fees - fees vary from 15-25% of total enrolled debt based on amount and state of registration-- and low monthly fees as well!
- Personal attention from your assigned Account Manager and Certified Debt Specialist
- Develop a plan to pay off debt at a lower negotiated rate and possibly decreased interest rates.
- Excellent Customer Service & Support
- We negotiate decreased debt and lowered interest rate with individual creditors
- We don't lend money and your financial data is safe with us!
While bankruptcy may seem easier than our debt settlement program, the after-effects of bankruptcy will last at least seven years and can result in poor credit ratings and credit scores.
An alternative debt relief option is free credit counseling, but this option does not settle debts. Meeting with certified credit counselors from nonprofit organizations can help you reach financial stability and learn debt management.
North Carolina Debt Relief Testimonials
North Carolina Debt Relief Case Studies
I had a change in my income, and I need a more affordable payment to resolve my debt once and for all.
Location: Charlotte, North Carolina
I fell behind on my debts when I had to evict my tenants out of my rental property. I had to use the credit to keep up with the overhead. I am now looking to set a plan in place to resolve them as soon as possible.
Location: Raleigh, North Carolina
North Carolina Better Business Bureau
Pacific Debt is an A+ rated Business with theBetter Business Bureau for debt negotiation services to individuals and families struggling with unsecured debt. We have been
accredited since 2010 and in business since 2002. We specialize in settlement of unsecured debts.
We have helped thousands of people in North Carolina with accredited debt relief. Call us today, we can help you too! We can help you understand all your financial options and create a debt management plan with our debt settlement specialists. If you do not live in North Carolina, we are a national debt relief company.
Read more North Carolina debt relief reviews and case studies to see how Pacific Debt helped people eliminate their debt. Pacific Debt has a staff of dedicated debt settlement negotiators who are ready to help you negotiate your debt. Be aware that your credit report and average credit score may take a hit during a debt settlement program as you will be stopping payments, but should recover with time.
Take a look at our North Carolina debt relief reviews from verified customers. We have case studies from customers located in Charlotte and Raleigh.
North Carolina Debt Relief Help
Click here to get your FREE Consultation & Savings Estimate, or call us at 800-909-9893
We can help you and your family with debt relief in the state of North Carolina. We are also a national company and have contacts all over the US.
Remember, we offer a free consultation and offer a free debt analysis. You may also want to enroll in a nonprofit credit counseling program.
North Carolina
North Carolina rises from gorgeous beaches to the ancient Appalachian mountains. The original economy was based on agriculture and that is still an important part of the state's economy. Science, technology, energy, and math industries are booming around the Raleigh Durham area. Rural areas are suffering while the urban areas are fairly prosperous.
North Carolina is ranked #9 for population and #15 for population density.
Income in NC
The median state income is $50,584 As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 21.3% of North Carolinian children under 18 live in poverty. For residents overall, 15.4% of all people in North Carolina live under the poverty level.
- Median state income: $50,584
- Minimum wage: $7.25/hour
- Children in poverty: 21.3%
- People in poverty: 15.4%
Is North Carolina a Community Property State?
North Carolina is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states. In the state of NC, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.
There are 10 community property states in which the state sees your assets as community property are:
Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin
North Carolina Homeowners
More than half (66.3%) of North Carolinians hold a mortgage. The median home price in North Carolina is $173,800 (2018). Of course, that median price depends on the location with some areas being higher.
- Homeowner rate: 66.3%
- Median home price: $173,800
North Carolina Employment
North Carolina has a current unemployment rate of 4.5%. However, the underemployment rate is 9.4%. 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 North Carolina debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.
- Unemployment: 4.5% (2018)
- Underemployment: 9.4% (2017)
North Carolina Debt
The average North Carolina consumer carries a lot of debt. Average credit card debts are $7,225 (2018), well above the national average. The average student loan debt is $26,164. 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 North Carolinians to get into debt.
- Average credit card debt: $7,225 (2018)
- Average mortgage debt: $166,561 (2017)
- Average student loan debt: $26,164 (2017)
North Carolina Statute of Limitations
North Carolina'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 North Carolina, 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
North Carolina Debt Relief & Debt Consolidation Company
If you have more debt than you can pay off, Pacific Debt can help you with debt settlement 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 settlement company and we have helped countless North Carolina residents with our national debt relief. Contact us today so we can help you too! Remember we offer free debt analysis and can recommend good debt counseling.
We will help you work through our proven and comprehensive national debt relief program. Your certified debt relief counselor will review all your options including setting up a savings account. If debt settlement programs are 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. Be aware that your credit report may take a small hit, but should recover and improve in the future. Pacific Debt will be there every step of the way to help. Call us and inquire about our NC accredited debt relief program and how it can help you. Our debt counselors will help you understand the debt settlement process. You should consider enrolling in a personal finance class in order to improve your financial future.
Since we are a national debt relief program, we may be able to help your relatives as well. If we can not, we will refer you to other debt relief companies including debt consolidation programs, that we trust. We are one of the best debt settlement companies and we want you to be able to trust our recommendations.
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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*Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.
*Your visit to our website may be monitored and recorded from essential 3rd party scripts.
*Clients who make all their monthly program deposits pay approximately 50% of their enrolled balance before fees, or 65% to 85% including fees, over 24 to 48 months (some programs lengths can go higher). Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. We are not a credit repair firm nor do we offer credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. We are licensed where we engage in business. NMLS # 1250953. The use of our services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S. 12-03825. Pacific Debt, Inc. is registered with the California DFPI under the CCFPL registration number 01-CCFPL-1250953-3419036.