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!

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Pacific Debt Relief can reduce your debt substantially!

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

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.

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Rhode Island Debt Relief 5-star review by Dennis, praising Pacific Debt for saving him $200 monthly.

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.

5-star review by Liz to Rhode Island Debt Relief, grateful for a smooth debt settlement.
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Pacific Debt Relief Accreditation


Pacific Debt Relief is accredited by:

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.

Neal rates 5 stars, satisfied with Rhode Island Debt Relief thorough process.

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!

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Linda gives 5 stars to Rhode Island Debt Relief, relieved to be debt-free and live with less stress.

Frequently Asked Questions

  • Why should I trust Pacific Debt Relief?

    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 nationwwide debt settlement company that provides excellent customer service and works diligently to maintain your trust throughout our entire process. 


    Don't just take our word for it, read our third-party reviews by visiting our Pacific Debt Relief reviews page or our video testimonials. 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. We also provide practical personal finance tips and strategies through our financial educational resources to help you better manage your money and debt.


    During your free 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 are ready to help you! Call us today. 

  • How do I qualify for Pacific Debt's debt relief program?

    To be qualified for our debt relief program, you must have more than $10,000 in unsecured debt (credit card debt, payday loans, personal loans, medical bills, collections and repossessions, business debts, and some student loans).


    We cannot help with debt from lawsuits or judgments, IRS debt, utility bills, auto or governmental loans, mortgages or home loans, or other secured debt.

  • Can Pacific Debt Relief really help me?

    Are you feeling the weight of your debt? Are your past financial choices impacting your future? We're here to offer a better way. For the past 20 years we have settled over $500 million in debt for our consumers. Call us today to hear how we could provide you with a customized financial plan to cut your monthly payments immediately giving you the cash flow and peace of mind you need. 


    Pacific Debt Relief is a nationwide debt settlement company recognized by numerous independent consumer review companies, including the Better Business Bureau. We have helped thousands of people reduce their debt, and we can help you too! Give one of our certified debt relief counselors a call to understand your options. You can also enroll in our debt settlement program through our website.

  • What is Pacific Debt Relief's program?

    Our nationwide debt settlement program is comprehensive and keeps you in control. Once you make the decision to get out of debt, you apply through our website. You’ll be connected with a certified credit counselor who will review your debt relief options with you. If debt settlement is right for you, we move forward with enrolling you into our debt relief program.


    Our debt relief program is quick and painless!


    Step 1 – Enroll through the Pacific Debt website


    Step 2 – Our Client Care department will guide you and give you a clear understanding of how our debt relief program works


    Step 3 – Sit back and let our professional debt negotiation team work for you and start saving you money!


    As you enter the debt settlement process, your assigned certified debt relief counselor will analyze your debt, monthly expenses, and your income. They look at your current budget and determine a payment estimate that works for you. Once enrolled, our negotiation team will work with your creditors to agree on a (usually) lesser amount of debt and a repayment schedule.


    Debt settlement includes unsecured debt such as medical bills, overdue utility payments, credit cards, personal loans, tax debt, payday loans, bankruptcy, and certain contracts, like gym memberships. We have trusted partners who will help you with payday loans and student loan consolidation.

  • What areas does Pacific Debt Relief service?

    Pacific Debt Relief is a nationwide debt settlement company. Below are the states we service.


    Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts,  Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming

  • I'm thinking bankruptcy, is it right for me?

    People often talk about bankruptcy and how you can declare bankruptcy to get out of debt. In reality, bankruptcy is a last resort. Keep in mind these points:

    • Bankruptcy can be very expensive, largely due to the legal fees
    • Bankruptcy has a stigma attached to it
    • Bankruptcy details are a public record
    • Bankruptcy can stay on your credit report up to 10 years
    • Loans after bankruptcy can be very expensive and difficult to obtain

    At Pacific Debt, we only recommend bankruptcy as the last possible resort. There are several other debt-relief options to try first. These include:

    • Debt Settlement – working with your creditors to agree on a lower amount to repay
    • Debt Consolidation – rolling all your debt into a lump sum and paying it off entirely
    • Debt Consolidation Loans – getting a loan to pay off all the debt, then repaying the loan at a better interest rate
    • Credit Counseling Services – assistance with budgeting and negotiating lower interest rates

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.

Are you ready for debt relief help now?

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