Every year the holidays leave most of us a little strapped for cash. But last year after Christmas, I was really struggling. My wife was let go, we had our second child, and then the water pipes burst throughout the whole house.
We had to take out a personal loan to cover all the repairs to our home, and both our credit cards were maxed out before Christmas even came. The whole year was tough, and then having the holidays at the end of the year really pushed us over.
We were only making the minimum payments on our loans and credit card debts, which made it feel like they were never decreasing. Once the New Year hit, we were drowning in debt to the point where we couldn't even make the minimum repayments. It was starting to take a toll on my marriage, so I knew I had to do something.
My wife and I sat down and vowed that our New Year's resolution was going to be to get our debt under control. We knew there had to be something out there to help people like us in unforeseen debt. We did a search, and we quickly found Pacific Debt popping up again and again.
We were drawn to all the amazing reviews and testimonials. So many people were in the same situation as us, lost in their debt and not knowing how to get out of it. We'd heard about debt consolidation and debt counseling companies before, but it always sounded too scary, and every company we contacted made it too confusing.
Pacific Debt had so many 5 stars reviews saying how easy and helpful they made the whole process of becoming debt-free. Their main objective is to reduce your debt and monthly payments, along with showing you valuable lessons on how you can live a life debt-free.
We were unsure if they would be able to help us as we had two credit cards and a personal loan to pay off. But we were getting desperate, and we promised we'd get our debt under control - this was not a resolution we were going to give up on.
The first consultation was free, so we gave it a shot, secretly hoping it would be so easy to fix all our debt problems.
Once we were on the phone, our representative couldn't have been more helpful. In the end, they gave us a few options on what we could do.
We took some time to think about them, and asked all our questions, and came to a decision together to enroll in the Pacific Debt Relief Program. It was our best option to get our debt under control in the most efficient way.
Once we enrolled, we were assigned our representative, Sarah. She took us through all the steps that we needed to do. She explained everything so clearly and was there for us every step of the way.
Anytime we had a question or needed assistance, she was there with everything we needed. Our program term for resolving our debt was just over three years and with monthly repayments that we could afford.
Pacific Debt was the best debt solutions company we could have ever found. Not only did they manage to reduce our debt and allow us to believe in and see a time when we will be debt-free, but they taught us so many lessons to make sure we never end up in this situation again.
A year into the program now, we are in a much better place financially, with much of our debt settled and some breathing room in our monthly budget!
It's all thanks to Sarah and Pacific Debt. Their program helped me and my wife keep our New Year's resolution and has inspired us to make every resolution to budget for the year ahead, with built-in finances to cover those mishaps that come out of nowhere and blindside you.
So many people, unfortunately, fall into debt and can't see a way out. But Pacific Debt is here to help you. If your New Year's resolution is a promise to yourself to get your debt under control, let Pacific Debt help. Take it from me, you won't regret it and you will definitely be able to stick to this resolution as well.
Debt can be a huge pull on moving forward with your life, so if you have any concerns, Pacific Debt will answer all of your questions, judgement-free. The first step in the debt settlement process is the free phone consultation. Give them a call at (833) 976-1318 to see how they can help you.