I never thought that I would get myself into debt. When I was younger, I used to think that the consequences were irreversible and that once you're in debt, you would be for life. But as I've gotten older and all of the responsibilities have piled up, I found myself in that very place that I had been trying to avoid. After about a year of trying to get a handle on it myself, I decided it was time to start exploring options that might take the pressure off me a little.
There are so many services that sound like scams and different options- debt consolidation, debt negotiation- I really had no idea which was best for me or even how to begin. After extensive research, I found a service that sounded like the right solution for me. Pacific Debt is a debt settlement service that works on your behalf to secure you a lower total amount owed, resulting in one low program payment. There's no fee for their service unless their team actually reduces your debt, so I had nothing to lose. I was surprised at how simple the process was from start to finish
I told Pacific Debt a little about my situation
I started by telling tell Pacific Debt a little about my situation. I got into $15,000 of debt after a particularly tough year, but instead of beating myself up any more, I went online and filled out a quick questionnaire about my financial history and current work status. The minimum amount of debt required to qualify is $10,000, so I liked that I was easily able to see that I was eligible without having to go through some long winded process first. After just a few minutes, I had a pretty good idea of how much money I could potentially save each month.
I had access to an expert at all times
After I was approved, I had a one on one consultation with a debt specialist. They called me on the phone and gave me a great breakdown of the all of my options. They explained to me that they would secure me lower monthly payments by contacting the creditors directly, and negotiating down the debt on my behalf. They give you multiple options between a couple of different plans, and how you proceed is completely up to you. I really liked that my debt negotiator would be the same person through the entirety of the process. It reassured me that they would always be working to secure me the best deal possible.
My certified debt relief counselor was with me every step of the way
Pacific Debt's negotiators know what they're doing. They use their years of expertise to lower your debt on your behalf. Once they secured me a lower total amount owed, they got the deals in writing and got my authorization to proceed. Before we even started, they analyzed my budget to determine a monthly amount that was affordable so that I would never be overwhelmed by payments. It made such a difference having just one affordable payment every month, instead of multiple.
I'm making one lower monthly payment
They reduced my total amount owed by almost 40% and I no longer feel overwhelmed by my monthly payments because I'm paying just one set amount instead of multiple amounts. I didn't pay Pacific Debt any fees until my debts were negotiated and the deals were to my liking, so there's nothing to lose.
I never realized that debt negotiation could actually reduce the amount you owe. I always assumed that they just reduce your interest rates, but Pacific Debt have helped me see a finish line, and I'm on track to be resolved of all my debt in 36 months. 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. Give them a call at (844) 980-0966 for a free consultation!