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(833) 865-2028
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Rhode Island 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!
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!
Rhode Island Debt Relief Reviews & Ratings
What is Rhode Island Debt Relief?
Pacific Debt Relief is a top-rated debt settlement company with an excellent track record and reputation. We work directly with your creditors to negotiate your credit card debt, lowering the amount you owe.
If you're struggling under the burden of high-interest debt in West Virginia, you're not alone. As a top-rated debt settlement company, we understand the stress of mounting bills and aggressive creditors. As a trusted debt relief company, we have years of experience helping West Virginians achieve financial freedom.
Our certified debt specialists will analyze your situation and explain all your debt relief options, including our customized debt settlement program. With no upfront fees, we won’t charge you until we’ve successfully negotiated your debt balances and set you up on an affordable payment plan.
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 Rhode Island
Pacific Debt Relief offers one of the top-rated debt relief programs available for Rhode Island residents who qualify. Best of all, our program requires no upfront fees!
The debt settlement process may impact your credit score temporarily, but once completed, most of our clients see significant credit score improvements. We’ll help you weigh the pros and cons to determine if debt settlement is the best path to financial freedom for you.
On average, Rhode Island residents carry around $8,700 in credit card debt and over $52,000 in total debt from credit cards, personal loans, medical bills, and student loans. With the rising cost of living and stagnant wages, financial relief is more important than ever.
Don’t struggle with high-interest debt any longer. Call Pacific Debt Relief today for a free consultation and take the first step toward financial freedom!
Does Debt Settlement Work?
Yes! Reputable debt settlement companies, like Pacific Debt Relief, can help you achieve financial stability.
We have great debt relief reviews—check them out! Always research thoroughly and compare different debt settlement companies before making a decision.
Instead of balance transfer credit cards, debt consolidation loans, or personal loans, our debt settlement program focuses on negotiating with your creditors to reduce your total debt amount while setting up an affordable monthly payment plan.
We are one of the leading debt relief companies in the U.S., and since 2002, we've helped settle over $300 million in debt for our clients. We can explain everything in a
free consultation.
Pacific Debt Relief Accreditation
Pacific Debt Relief is accredited by:
- Consumer Debt Relief Initiative
- International Association of Professional Debt Arbitrators
- BetterBusiness Bureau
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 Rhode Island Consumers Can Expect from Our Debt Settlement Services
- Monthly payments based on your budget
- Resolve your debt in 2-4 years, based on the national average
- No upfront fees – program fees vary from 15-25% of the total enrolled debt
- Personal attention from a dedicated Account Manager and Certified Debt Specialist
- A custom-tailored debt management plan with negotiated rates
- Excellent customer service and ongoing support
- We negotiate directly with your creditors to lower balances and interest rates
- No unsecured personal loans required
While bankruptcy may seem easier than our debt settlement program, the after-effects of bankruptcy may last at least ten years and can result in poor credit ratings and less than a good credit score.
Rhode Island Debt Statistics
In the fiscal year of 2019, the state of Rhode Island had state debt totaling $ 9.29 billion. However, the local government debt was much lower at $ 2.68 billion. By the fiscal year of 2025, it is forecasted that Rhode Island's state debt will be about $ 11.82 billion, and the local government debt will be about $ 3.41 billion.
Rhode Island Statute of Limitations
Rhode Island has specific laws that limit the time debt collectors can take legal action against delinquent debt.
- Oral agreements: 10 years
- Written contracts: 10 years
- Promissory notes: 6 years
- Credit cards and revolving loans: 10 years
Rhode Island Debt Collection Laws
Rhode Island residents are protected against predatory debt collection practices under the federal Fair Debt Collection Practices Act (FDCPA).
Debt collectors in Rhode Island 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!
Frequently Asked Questions
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.
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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.