Pennsylvania 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!

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Debt Reduction Free Savings Estimate from Pacific Debt Relief

Pennsylvania Debt Relief Reviews

Pacific Debt has helped thousands of people reduce their debt. Since 2002,  we've settled over $500 million in debt  for our clients. Contact us today to see how we can help.

We’re not a law firm, we are a debt settlement company that specializes in debt negotiation. We can help Pennsylvania residents with personal loan debt and unsecured debt. Talk to an experienced and IAPDA certified debt specialists for free!

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Pennsylvania Debt Relief Testimonials

Jim Thorpe, Pennsylvania Debt Relief Review

Lindsey from Jim Thorpe Pennsylvania Review

By Mike Nittoli • August 6, 2019
Lindsey from Jim Thorpe Pennsylvanian shares a review how Pacific Debt was able to help provide debt relief. Recent PA debt relief review.
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Recent Pennsylvania Debt Relief Settlements

Pittsburgh, Pennsylvania Debt relief, PA debt Consolidation Company

Now with changes in our income and having a lot of things change in our household we want to get out of debt a soon a possible with a payment that will be more affordable.

Read Case Study
Location: Pittsburgh, Pennsylvania
Allentown Pennsylvania Debt relief, PA debt consolidation company

I am on a fixed income, and I need a more affordable monthly payment to resolve my debt. I want to have more funds leftover for myself at the end of the month.

Read Case Study
Location: Allentown, Pennsylvania

Pacific Debt offers a FREE Consultation to anyone looking at debt settlement options. Our Pennsylvania Debt Relief Program is designed to try to get you out of debt in two to four years.

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Pennsylvania Debt Relief Common Questions

  • How do I get started with debt relief if I live in Pennsylvania?

    The debt relief process is simple for PA residents. Fill out a FREE Savings Estimate to enroll in our program. 


    You’ll then speak to one of our debt experts to see if the program is right for you. Everyone’s financial situation is different so we’ll set up a customized debt relief program that you can afford. 


    Your assigned account representative will help you understand exactly how the program works and will be available for questions anytime. Our PA debt settlement program is your best long term strategy for reducing your debt.

  • Are there any Pennsylvania debt relief reviews available to read before I sign-up

    We have thousands of customer reviews and testimonials available online. We are ranked as one of “The Best Debt Settlement Companies of 2020” by US News and World Reports. 


    We’ve included testimonials and reviews from our clients who live in Pennsylvania.

  • What is the cost of your PA settlement program?

    Our Pennsylvania debt settlement or debt relief program service fees vary depending on your total debt you enroll with us and the state of your residence. In this case, your state would be Pennsylvania. 


    The good news is we do not charge any upfront fees so we don’t get paid until you see results. For most of our PA clients, the Pacific Debt service fee is between 15-25% of the total debt enrolled with us. You get award-winning personal attention from the account representative assigned to your settlement plan.

  • What’s the difference between the Pacific Debt relief program and other PA debt relief programs?

    One thing that separates us from the rest of our Pennsylvania competition is that we have some of the best customer services in the industry and our reviews prove it. 


    We have been awarded The Best Debt Settlement Company of 2020 from both Bankrate , and US News & World Reports.


    Take a look at some recent PA debt relief reviews listed on this page, you can also take a look at our debt relief testimonials and reviews pages to read more customer feedback from Pennsylvania residents.

  • Is PA debt consolidation the same as debt settlement?

    No, debt consolidation is different from debt settlement. Debt consolidation is usually where you take out a loan to pay off all your other bills, then you can concentrate on paying off one monthly bill. 


    Debt settlement is the process of negotiating with your creditors to a lower payment than what you currently owe. 


    We work with creditors in all states, not just Pennsylvania creditors. Pacific Debt is not a law firm but we specialize in credit card debt reduction and settlement.

  • Does the program only help with credit card debt or does it also help with medical debt relief too?

    Our PA debt relief program can with most unsecured debts, debts not secured with any type of collateral. These debts tend to be credit cards, medical bills, personal loans, retail loans, etc. 


    Unfortunately, we do not do provide debt relief services on student loan debt. We mainly work with unsecured debt and credit card debt. Speak with our debt experts to find out more information.

  • What is the statute of limitations on debt in Pennsylvania?

    The statute of limitations in PA is four years. This covers most types of debts including credit cards, medical bills, personal loans, and more.

  • Is Pacific Debt a law firm?

    No, Pacific Debt is not a law firm, we are a debt settlement company helping Pennsylvania residents reduce their debt significantly.


    Where can I get more information about your debt relief program? Just click the link to find out more information about our debt relief program.

  • Is Pennsylvania a Community Property State?

    Pennsylvania 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 Pennsylvania, 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.

Better Business Bureau of Pennsylvania


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.


View our NMLS Consumer Access Verification Details


Pennsylvania Debt Relief Help


Click here to get your FREE Consultation & Savings Estimate We can help you and your family with relief from debt in the state of Pennsylvania, or even nationwide.


Pennsylvania Debt Settlement Services Act


The Debt Settlement Services Act is the providing for the licensure of persons providing debt settlement services, for the powers and duties of the Department of Banking and Securities and for enforcement.

View the Debt Settlement Services Act here


State of Pennsylvania


As of 2018, almost 13 million people called Pennsylvania home. Philadelphia is the largest city in Pennsylvania and the 5th largest city in the US. Pennsylvania is the heart of American independence. With an old history, good farmland, beautiful mountains, Pennsylvania was an industrial state that attracted many workers. As a result, Pennsylvania is ranked #6 for population and #11 for population density.


Pennsylvania Income Levels


The median state income is $52,005. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 18% of Pennsylvanian children under 18 live in poverty. For residents overall, 12.9% of all people in Pennsylvania live under the poverty level.

  • Median state income: $52,005
  • Minimum wage: $7.25/hour
  • Children in poverty: 18%
  • People in poverty: 12.9%

Homeowners in Pennsylvania


More than half (68.6%) of Pennsylvanians hold a home mortgage. The median home price in Pennsylvania is $169,000 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 68.6%
  • Median home price: $169,000

Employment in PA


Pennsylvania’s current employment rate is 4.8%. However, the underemployment rate is 10.6%. 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 Pennsylvania debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.

  • Unemployment: 4.8% (2018)
  • Underemployment: 10.6% (2017)

Pennsylvania Debt Statistics


Pennsylvanians carry a lot of debt. The average credit card debt is $6,065 (2018). The average student loan debt is the highest in the US at $35,185. 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 Pennsylvanians to get into debt.

  • Average credit card debt: $6,065 (2018)
  • Average mortgage debt: $157,643 (2017)
  • Average student loan debt: $35,185 (2017)

Pennsylvania Statute of Limitations


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

  • Oral agreements: 4 years
  • Written contracts: 4 years
  • Promissory notes: 4 years
  • Credit cards and other revolving loans: 4 years

Pennsylvania 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. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top-ranked debt relief company and we have helped countless people in the state of Pennsylvania 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 PA debt relief program and how it can help you.


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.