Don't let your Boomer family get you down.
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?
"Thank U" By Alanis Morrisette
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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.
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!
This article is made possible by a brand partnership with Pacific Debt.
No one chooses to be in debt; I certainly never expected it to happen to me. You feel trapped under all the payments, constantly feeling the heavy burden. Shortly after my divorce, I found myself with significant medical bills, dealing with the financial stress of living alone, and before I knew it I was drowning in over $30,000 of debt.
I was living paycheck to paycheck and trying to put on a happy face for my kids, but the minimum payments due each month were overwhelming (and they weren't even helping me pay off my debt). Declaring bankruptcy was always in the back of my mind, but I knew that those consequences could follow me for the rest of my life.
To pay off my debts by making minimum payments, I needed to pay exactly $407.54 every month for the next 361 months, which would result in me paying a total of $146,734.02 by the time I turned 75. But my debt was only about $35k! I had heard that some people can negotiate their debt down, so I called the bank a few times but never got anywhere.
I needed someone to help me get through this, so I did some research and that's when I found Pacific Debt, a debt settlement company that provides debt relief and support services to people like me. After answering 3 short questions, how much I was in debt, how far behind I was on payments and what state I lived in, I had a free consultation.
Pacific Debt is a solution for those struggling with more than $10,000 in unsecured debt. They help get your overall debt amount and interest rates reduced by negotiating on your behalf with your creditors. Once a settlement has been reached and you approve, your total debt will decrease. They'll even help you open a Special Purpose account to keep your funds separate and to pay off your debt. This means I just had to pay one monthly payment instead of four.
From the get-go, my rep was always there when I needed them. It's never easy talking about financial problems to anyone, let alone a complete stranger. Even with all this in mind, my representative was very friendly and calmly listened to my financial troubles. She set me up with my own personalized plan, and the first time in a long time there was actually light at the end of the tunnel. It felt amazing to have a plan to actually get out of debt.
Throughout the process, they constantly reminded me that I was not alone and that they understood my situation. Their words of encouragement really helped me get through. Debt Settlement services can be sweet talkers or swindlers, but Pacific Debt was able to give me physical proof of their success. They negotiated with my creditors to lower my interest rate as well as my principal amount owed. At this point, I knew I had chosen the right people who would stick with me every step of the way.
The first step in the debt settlement process is to have a free phone consultation. Give them a call at (833) 964-1440 to see how they can help you. There's nothing to lose, but so much to gain!
The first step in the debt settlement process is to have a free phone consultation. Give them a call at
(833) 964-1440 to see how they can help you. There's nothing to lose, but so much to gain!
Sometimes when people hear about Pacific Debt's transformative results, they wonder if it's too good to be true, or maybe a scam. Pacific Debt is a debt relief service helping tens of thousands of people reduce their credit card debt and unsecured loans with one lower monthly program payment. Their financial experts evaluate your needs and create a plan that works for you, which could mean negotiating with your creditors to reduce the total owed, or consolidating debt so you can avoid getting stuck in the minimum payment trap and actually pay your debt off for good. They're making a splash online because they really work, but it's ok if you're skeptical. In fact, it's a good thing to be protective of your financial life!
Scams are all too real in the financial services industry, but Pacific Debt isn't one of them. Our editors partnered with financial experts to bring you the four main signs that a financial service is scamming you (and explain why they don't apply to Pacific Debt).
1. They ask for money upfront.
One easy way to spot a debt relief or credit repair scam is if they ask for an upfront fee before providing a successful service. They'll have you sign a contract with fine print relieving them of responsibility, then run off with your money. With Pacific Debt, you won't pay a dime unless they are able to make real changes in your debt situation.
2. They don't have third-party reviews.
Guess what? A company can easily write fictional, glowing reviews and post them on their website with no oversight. Real services will also have a significant amount of reviews on neutral sites you can trust, like Pacific Debt, whose customers' feedback has earned them an A+ rating by the Better Business Bureau and a five-star rating from Trustpilot.
3. They ask you to sign blank forms and provide personal information so the company can act on your behalf.
Information fishing schemes often look legitimate and convince customers that "acting on their behalf" means pretending to be them. But that's absolute identity fraud. As a rule of thumb, never ever sign a blank form. Pacific Debt can call creditors to negotiate debt for you, but they will never pretend to be you in any way. They take strong measures to make sure personal information is protected.
4. They push bankruptcy as a first option.
Most people don't really know what happens when you file for bankruptcy, but it's not an easy out. In fact, you should always consider your alternatives before filing. Bankruptcy can be expensive due to legal fees, is a matter of public record, and carries a stigma that stays on your record for up to 10 years. Pacific Debt is helping people who seek to avoid bankruptcy and pay off their debt to achieve real financial freedom.
If you're feeling trapped by unsecured loans or mounting debt, Pacific Debt will create a plan that lets you pay less so you can actually pay off your debt once and for all. Give them a call at (888) 585-9219 to see how they can help you. There are no upfront fees, so there's nothing to lose (and financial freedom to gain!).