Christmas has always been my favorite time of the year, even as I get older, the magic stays with me. It gets even more special every year as my family starts to grow with new nieces, nephews, brothers-in-law, sisters-in-law, and all the in-laws.

As much as I love my new big family and the amazing Christmas we all had together, I spent waaaaay too much. Seriously, I got way too carried away buying gifts for absolutely everyone. But I am a giver, so I enjoy buying for others so much.

Mark, my fiancé, and I also hosted Christmas this year for the first time in our new home, for both of our families. I needed to make sure the house was all ready for everyone. I bought new furniture for the living room, and obviously bought loads of only the best decorations to turn my house into the perfect winter wonderland.

I didn't just max out my credit card; I maxed out Marks one too. Well we both did, it was for his family too. I didn't even realize how overboard we went till it was all done. It wasn't the best timing with us buying our new home, and then Mark going freelance with his work.

Once all the magic of Christmas was over, our credit card bills hit us like a ton of bricks. It was a real smack of reality. I was trying my best to budget everything, making the minimum repayments on the cards while still making all our mortgage repayments and keeping up with all our other bills.

My budgeting clearly wasn't working as I started missing some credit card payments, even the minimum amounts were too much for me. I was beyond stressed and worried about it all, and I knew Mark was too.

I started to look online to see if there was anything out there that could help us or that I could learn to manage our situation better. I came across Pacific Debt and their Debt Relief Program, it looked like exactly what we needed, but I still didn't know if we would qualify. They help you reduce the amount of credit card debt you owe by negotiating on your behalf, and also consolidate all of your repayments into just one monthly amount. I took their free consultation- sure I had nothing to lose.

The consultation was done entirely online and was so easy. At the end of it, I was presented with two solutions to our credit card debt, so I enrolled in Pacific Debt's national debt relief program. From there, my account manager, Ray, made everything so clear and almost effortless. They handled so much of the process and gave us so much guidance on anything that we needed to do. They negotiated better monthly repayment for us and the perfect plan to get us back on track.

I really didn't think I would see the day that I wouldn't have to worry about my debt, but with the amazing help from Pacific Debt, I don't have to worry anymore. We finally feel like we're clearing our credit cards, instead of just paying off the interest. In a few more months, it looks like we will have them completely cleared. And I have learned my lesson; I will never be making that same mistake again.

If you feel overwhelmed and struggling with your debt, I would highly recommend contacting Pacific Debt. They have helped so many people become debt-free, and now I know we can enjoy the next holiday season without having to worry.

Debt can be a huge pull on moving forward with your life, so if you have any other concerns, Pacific Debt can answer all of your questions for free. The first step in the debt settlement process is to have a free phone consultation. Give them a call at (888) 964-1440 to see how they can help you.

The holiday season is a wonderful family-filled time of year, but it can also be a very stressful time, financially. The presents are getting more extravagant, there are parties and dinners to attend, and everything this time of the year becomes more and more expensive.

It's easy to feel overwhelmed by the cost and end up maxing out your credit card or taking out a personal loan just to get through the holidays. It feels like an okay option because of course, you will be able to pay it back over the next few months...

But then the repayments are more than you expected. The APR, that looked reasonable, is now a whopping 20%, and that's just the best deal for near-prime consumers. Then you get caught in the minimum repayment trap where you're really only paying off the interest and charges, with very little coming off your actual debt; a vicious cycle where your debt never ends.

If this sounds all too familiar, don't feel alone - there are so many people in the same situation. About 43.9% of households in the states have an outstanding credit card balance, along with the national household debt standing at over $13.86 trillion.

If this sounds like your situation, you may be considering options such as financial counselors, debt consolidation programs, or even bankruptcy! But these often do more bad than good.

What can help you is a national debt relief program like Pacific Debt. Pacific Debt's objective is to reduce your debt and monthly payments with its national debt relief program. How do they do this?

Once you are eligible and apply through their website, you will get a free consultation. Pacific Debt's certified debt counselor will explain all your debt solutions and options along with setting up an affordable payment plan that fits your budget. From there, your Account Manager and Debt Specialist will work with you and your creditors to negotiate lower payments and debt that you can afford.

Once you are enrolled in Pacific Debt's program, you can rest assured that their debt specialist team will work relentlessly to reduce your debts. The best part is that if you follow their program, you could be debt-free in as little as 24-48 months. Sounds a lot better than the years of debt that you would be facing without them.

Check out Pacific Debt's national debt relief program today and give yourself the gift of being debt-free this holiday season.

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 (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.