Thanksgiving has always been about food.

We suffer through the awkward small talk and often anti-climactic football games for the sake of the meal that awaits us at the end of the day, and even then that "meal" is representative of ethnic cleansing and genocide. But there are a few other pros that lay outside of gorging yourself on mashed potatoes. The holiday always falls on a Thursday, which means you always have a four day weekend. Black Friday is also the following day, so despite whatever infuriating experiences you may have on Thanksgiving with your family, you can at least rest easy knowing you can go out and buy enough stuff to numb the pain.

These reasons alone are enough to warrant celebration. So while you clench your jaw through what is almost guaranteed to be a painfully long afternoon, why not curate some music to help elevate your mood and remind yourself that a four day weekend of relaxation awaits?

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Income loss is at an all-time high.

That would be stressful enough, but what makes the situation even worse is banks are slashing credit limits and tightening credit standards due to economic uncertainty and low-risk tolerance, oftentimes without notice.

People are more likely to use a greater percentage of their available credit each month, when dealing with the loss of steady income, and are maxing out their credit cards much faster, which can have a negative effect on their credit score in the long run due to an increase in your debt-to-limit ratio.

As a result, lenders may increase your APR, even if you continue to pay your balance every month and never exceed your limit. If you've racked up some debt over the years, these recent changes can seem detrimental. But if this is the case for you, don't worry, there are options.

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 are no fees for their service unless they are successful in reducing your debt.

The whole process is super simple from start to finish. You start off by filling out a quick questionnaire about your financial history - The minimum amount of unsecured debt required to qualify is $10,000. If you are eligible, you'll have a one-on-one consultation with a debt specialist by phone.

The debt specialist will break down all of your options. If debt relief through Pacific Debt is right for you, they'll explain the process - including how they negotiate with your creditors to reduce your debt and structure the program to fit within your budget. They'll give you a low down on the different plans they offer, and you get to decide what's best for you.

You will be assigned a Personal Account Manager, who will guide you through the process, and they'll be there with you every step of the way. Founded in 2002, PDI has years of experience, and they know what they're doing. They'll analyze your budget to determine a monthly amount that's affordable for you so that you are set up for success. Then, once they secure a reduced settlement amount, they'll get the deal in writing and get your authorization to proceed.

Pacific Debt can significantly reduce your total amount owed and will make sure you are only paying one set amount instead of multiple payments every month. You don't pay Pacific Debt any fees until your debts are negotiated to your liking. Pacific Debt doesn't just reduce interest rates; they reduce the amount you owe overall.

These times are tough for most people financially, especially if the credit limit reduction has affected you. No matter what your situation is, if you're in debt, Pacific Debt offers free consultations, and they'll answer all your questions, judgment-free. Why not give them a call? You have nothing to lose.

Give them a call at (844) 997-0475 to see how they can help you.

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How Pacific Debt Can Help You Finally Become Debt Free

Personal Loan VS Debt Consolidation, Everything You Need To Know

When falling into a pit of debt, it can be tempting to want to take out new loans to pay off the old ones. Not only is this often a bad idea, but it can also be a terrible idea.

Robbing Peter to pay Paul may seem like the only option when your bills are greater than your bank statements. Taking out an unsecured personal loan to pay off credit card debt at a lower interest rate is nothing new, but locking down that lower interest rate is only an available option if you have solid credit in the first place.

The much better option is settling up with Paul - that's what Pacific Debt does. Masters of debt relief, they offer financial solutions that help empower people to make the best decisions.

Instead of figuring out how to take out a personal loan, Pacific Debt can call creditors to negotiate your debt for you. They're masters of debt consolidation, the art of negotiating lower monthly payments and/or and overall lower amount of debt: this is the secret to getting out of debt fast, not taking out more loans.

Here's how it goes: You're assigned to a certified debt relief counselor who will do all the hard work for you. They help improve your monthly cash flow with one low affordable program payment.

With no upfront fees, they have over 1400 5 Star Reviews and an A+ rating from the Better Business Bureau. You won't be paying them unless they can bring down your debt. If you're still fixing to get a personal loan, they'll help you out with that, too, but only if it's your best option. Pacific Debt's counselors will complete a brief financial analysis when you first call, and they will walk you through all of your options, explaining the cost and benefits of each.

Some consumers have resolved their debts in as little as 24-48 months, so a debt-free future could be closer than you think.

If you're not in debt, bookmark this page for an emergency; more than half of the U.S. population is in debt with over a trillion dollars in credit card debt alone. Unexpected medical bills, unsecured or personal loans, retail debt, and accounts in collections could rear their ugly heads at any point. Pacific Debt can help you out when they do.

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!