Pacific Debt Inc.

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Pacific Debt Inc. Logo

Pacific Debt Inc.

verified
This company has no upfront costs
1-(855) 388-9098

Pacific Debt Inc. is a nationally recognized leader in debt settlement services. The company holds major industry accreditations with the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). Pacific Debt was also recognized by US News and World Reports as one of the best debt settlement companies for 2018. 

In addition to debt management experience and accreditations, Pacific Debt has achieved a top spot on our list of debt settlement companies because it offers its debt relief services at one of the lowest prices in the industry. Pacific Debt's pricing ranges from 15 to 25 percent of the total debt you enroll.

Pacific Debt specializes in unsecured debt, which is debt that doesn't have an asset tied to it. Examples of unsecured debt include student loan debt, medical debt, credit card debt, and utility bills.

The major downside to Pacific Debt is that its debt management services may not be available in your state. The company has been in the debt settlement industry since 2002 and is headquartered in San Diego.

View real Pacific Debt Inc. reviews below.

The Good

  • High Savings, Low Fees
  • Industry Accreditations
  • Positive Client Reviews
  • Personal Account Manager
  • Client Resources

High Savings, Low Fees

On its website, Pacific Debt boasts how much it has reduced individual debt--and it is impressive. In most cases, the company is able to reduce your debt by 20 to 50 percent--a significant amount in this industry.

Pacific Debt's ability to effectively settle your debts makes it much easier for you to pay the debts and be on the road towards being debt-free and enjoying financial freedom.

Not only can Pacific Debt reduce the amount borrowers pay on each of their unsecured debts, it also has low fees. To work with Pacific Debt, you will pay the company 15 to 25 percent of your total enrolled debt. On average, most of the companies we have reviewed charge an average of 21 to 24 percent.

Though it does charge a percentage of enrolled debt, Pacific Debt's debt consolidation fees are lower than average. The nature of debt settlement companies make it difficult to judge pricing (since individual pricing depends on the enrolled debt of each customer). However, the opportunity to pay a lower percentage increases your savings as you work to become debt free.

Pacific Debt, Inc. also does not charge upfront fees. Customers choosing a debt settlement company should only work with companies that have no upfront fees.

Industry Accreditations

According to consumers, one of the most important things a debt settlement company can offer is accreditation. Pacific Debt is accredited with the AFCC and the IAPDA. 

Being an accredited member of the AFCC means Pacific Debt submits its website for an audit each year. The AFCC makes sure its accredited members conform to industry standards and strives to protect consumers.

Positive Customer Reviews

Pacific Debt reviews are overwhelmingly positive and speak highly of its customer service.  The most common review we see of Pacific Debt is that company representatives know what they are talking about when clients call, and they keep clients informed throughout the entire settlement process.

Many clients also praise Pacific Debt for early settlements. The main job of a debt settlement company is to negotiate a lower total debt with customer's creditors.

Though debt settlement can negatively impact a client's credit score, it will also relieve the debt of customers with nowhere else to turn, which are those who already have lower credit scores. 

Credit card debt, medical debt, and student loans are difficult to escape, but companies like Pacific Debt are designed to protect you from creditors and debt collectors; that's why it's important to take a close look at Pacific Debt reviews.

Previous clients are the best reference for checking the quality of debt settlement companies and debt consolidation companies. Good reviews are a good indicator that you will also have a good experience. 

Personal Account Manager

When a client agrees to a debt settlement program, Pacific Debt assigns each client a personal account manager as a debt specialist.

This single point of contact works with clients throughout the entire negotiation and settlement process. This may be another reason why clients seem to love Pacific Debt as not having an assigned debt specialist is one of the most common complaints of other debt relief companies, like National Debt Relief. 

Working with a single point of contact is especially great for clients because they do not get passed to different people. It ensures that their questions are answered and that their needs are met.

Client Resources

Clients who wish to receive an education more specified to their specific circumstances will not be disappointed by Pacific Debt's online resources.

The company website clearly defines each of the clients' various options within debt relief, even some that Pacific Debt doesn't offer (including consumer credit counseling, bankruptcy, debt consolidation, debt negotiation, and debt settlement). It then clearly outlines the benefits and downsides to each of the debt relief options.

Because debt settlement and debt negotiation are better options for long-term debt, clients are encouraged to consider not making minimum payments, as there are more efficient ways to become debt free. The online company resources say that debt negotiation is a much more aggressive approach to debt relief and may result in a lower credit score.

In addition to online resources, potential clients can have a free consultation with a certified debt counselor who will review their financial situation and options for becoming debt-free. Providing comprehensive information allows potential clients to make better decisions about how to address their debt.

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The Bad

  • Service Limited to Certain States

Service Limited to Certain States

While there are amazing perks to using Pacific Debt (relief from credit card debt, medical bills, student loans, etc.), unfortunately, they are not available to everyone. Pacific Debt only offers service in 29 states and Washington, D.C..

This leaves just under half of the U.S. unable to take advantage of Pacific Debt's low cost, industry experience, and customer service. Some debt settlement companies are available in 40 or more states.

However, if Pacific Debt Inc.'s services are available in your state, it is a great option when choosing a debt settlement company.

The Bottom Line

Debt management programs like debt settlement are highly complex and difficult to do right, so Pacific Debt's high customer reviews are extremely important. 

In comparison to debt consolidation companies, a debt settlement program is usually approached as a last resort (you have a low credit score and lack the money to make monthly payments).

Settlement companies negotiate with lenders for a lower total debt. Pacific Debt focuses on unsecured debt, which includes student loan debt, health care debt, personal loan debt, payday loans, and consumer debt (e.g. credit card debt). If a consolidation loan is not a good fit for your financial situation, debt settlement may be a good fit.

Debt settlement allows you to eventually recover your credit score quicker than bankruptcy (which stays on your credit report for up to 10 years) and saves you from debt collectors. Pacific Debt does a fantastic job of negotiating lower debt with your creditors.

The positive Pacific Debt reviews speak for themselves. If you find yourself in more than $7.5k in debt--student loans, medical bills, or high outstanding balances on your credit card--and live in one of the 30 areas the company works in, we highly recommend using Pacific Debt. The company is held to high industry standards (it is a member of all four major accreditation organizations), and it has a proven track record of settling debts for much less than what is owed.

We'll Introduce You!

Call our recommended rep over at Pacific Debt Inc. below.

1-(855) 388-9098

Disclaimer

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All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.


User Reviews

Star Rating

4.8
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1,575 Reviews

Review Breakdown

5 star
82%
4 star
15%
3 star
2%
2 star
1%
1 star
1%

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Heidi
May 17th, 2019 Lockport, LA

We are just beginning our journey but Debbie has been very helpful thus far. She was very honest and straight forward preparing us for what we could expect. Hopefully our decision will allow us to see the light at the end of the tunnel soon.

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Gloria Dillon
May 17th, 2019 Sumrall, MS

The overall experience was great..all the information was explained very well

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Brett E.
May 17th, 2019 Cocoa, FL DETAILS
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I can only attest to the enrollment process, but they were unparalleled in their patience and transparency. Camille P. is a fantastic representative.

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Antwon
May 16th, 2019 Jacksonville, FL

The experience I shared with Kelaiah was awesome. She was very kind and patient with all of my questions. I’m looking forward to this opportunity and I currently feel like I made the right choice on my financial path. Thanks Kelaiah!!

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Ctab1968
May 16th, 2019 Mobile, AL

Eva L was knowledgeable, informative, and kind.

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Rhonda
May 14th, 2019 Nashville, IN

Erin was very helpful and polite. I love the fact that the people who work for you are well spoken and have a great command of the English language. The process was so quick and painless from the moment I was connected with Erin she was able to pull up all of my creditors go through each account give me a total monthly payment amount and length of time in the program all in about 30 minutes. My account manager even called me on the same day to welcome me to the program.

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Clarence
May 13th, 2019 Bellefonte, PA

Faron was an excellent customer service rep!! He was very helpful & understanding of my situation.

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Richard M Sullivan
May 13th, 2019 Walnut Cove, NC

I had some very extreme ,life changing and unexpected hardships hit me recently. The home I leased for almost 9 years was suddenly pulled out from under me with little notice as the owner decided to sell and not lease any longer. This put me in a major situation. I had just paid off all my credit cards but because I had to buy a house ( no one wanted to lease to someone with 4 German Shepherds) I had to max out all my cards again for inspections, fees down payments, appliances, etc etc. This left me living paycheck to paycheck in a vicious cycle of interest just to make ends meet with one major event away from going under. I inquired ( after a great deal of research ) to PacificDebt and signed up for their hardship program after speaking to their representative Cedric A and couldn’t be more pleased with his upfront, non-high pressure, professionalism. He thoroughly explained the process, had an immense amount of patience, was not pulling any punches as to what to expect and I couldn’t have been more satisfied. He laid a great deal of my apprehensions to rest during the 2+ hours we spoke on the phone. Being 18 years in the business and also researching the reviews ( both good and bad ) made my decision much easier. If the rest of the process goes as smoothly and as professionally as Mr A's consultation with me, I will be debt free in 4 years or less. I’m literally putting my life in their hands and know that initially it will be tough but the end result will be for the best for me financially. Again, thank you Mr A for your patience and thoroughly explaining everything ( sometimes over and over ). PacificDebt has a good employee in Mr Cedric A and has my trust which I rarely give. Thank you and looking forward to a good relationship with PacificDebt.

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R. Nicholas
May 13th, 2019 Bay Minette, AL

My team member, Rian, was quick and to the point. He helped me in every area, that I needed help in. I felt a lot of relief, when our conversation ended. He was very polite and considerate and appreciate every way he could help me.

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Steven Turner
May 9th, 2019

quick and efficient although i was familiar with the process from previously checking around for options, but even considering that this was a quick and easy process, thanks steve

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Nicole Novitzke
May 9th, 2019 Menasha, WI

They went through everything in debt and made sure I understood

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BARRY KALFIN
May 7th, 2019 West Palm Beach, FL

quick & easy the agent was more than polite

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Clarence N. Valdez
May 7th, 2019 Albuquerque, NM

Thank you so much for your patience and assistance on my way to debt freedom. Thank You Eva.

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Sybhan Longhair
May 7th, 2019 Gallup, NM

I had a wonderful experience with Demetrius and putting me at ease on my outrageous financial situation. I hope this will help and be debt free in a few years. I do believe I made a right decision to call Pacific debt, inc.

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Kimberly B
May 7th, 2019 Moreno Valley, CA

I was actually recommended to them. Camille was very helpful and patient with all my questions. I am very happy so far with my experience as I am just beginning. My referral was very happy with them so I think I will be too. So far so good. Camille was very helpful. Thank you

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T. Howard
May 6th, 2019 Germantown, WI

I really appreciated Wyatt's honest and upfront manner.

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Bonnie Warren
May 6th, 2019 Oklahoma City, OK

Richard was very respectful to are problems and very helpful with our consolidation.

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Gabriela
May 6th, 2019 Tomball, TX

I found Pacific Debt and decided to see if they could help. They were quick and very knowledgeable, Demetrius was so helpful and took the time to listen and answer any questions I had. Coming into this I was a bit weary and stressed out , but Demetrius and Pacific Debt have put me at ease. I know that I’m taking the steps I need with their help and expertise to have some peace of mind. Thank you!

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Lori
May 6th, 2019 Boise, ID

I was very hesitant and apprehensive about making this call, but Nicholas put me at ease immediately. The initial process has started out to be very easy.

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Sherrie
May 6th, 2019 Wahiawa, HI

Eva is the QUEEN of customer service! She didn’t make me feel uncomfortable talking about my debt AT ALL. We spent about 2 hours speaking over the phone answering my questions, what the process was like, going over quotes and possibilities through out the program and even when I finish the program. SHE IS THE BEST OF THE BEST! She never rushed me or pressured me into anything! I told her from the beginning I was just shopping around and never did she push me to enroll or every ask me to enroll! I really recommend her. I did let her know that there was another company that I was inquiring with and she did not put them down at all, she reassured me that if I chose to go with a different company that it was fine and she was still there to answer all my questions. I ABSOLUTELY LOVE HER!!! She was very knowledgeable and straight to the point. This is my first time enrolling into a debt relief program and I was very unsure, worried, scared and hesitate about a program like this. I did shop around and I eventually chose to go with Pacific because the other company was just way too pushy. He didn’t really care to get to know my situation like Eva.

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Jason
May 2nd, 2019 El Paso, TX

Very detailed and explained the processes and all of the things that were going to happen completely. Easy going and knowledgeable staff who made it a seamless process, glad I called.

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Roberts
April 29th, 2019 Hawesville, KY

The customer service received from Jeremy was very comforting and reassuring. He was quick and clear to answer all my questions and ensure I completely understood the process.

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RHM
April 28th, 2019 La Porte, TX

I would have given you 5 stars, but I only know Pacific Debt Inc., by what I have read. However, if I were rating the staff that helped me and set my mind at ease I will give them a 5 star rating. Erin was my initial contact and she was phenomenal she answered all my questions and I still wasn't sure of what to do so I told her I would call her back. She followed with a text later that day. At first I was hesitant, but at my age I don't have too much time and I am getting ready to retire. So Erin called back but I was so busy I had to call her back, she was busy so Erik took my call I still had questions but he set my mind at ease and he promised me that I would be out of debt in 4 years and he explained the process and I don't why but I believed him. So wish me luck because I am going to need it. I plan to post a rating on Pacific Debt Inc as a whole and what they have done for me, but that will come later. RHM Texas

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Melody D.
April 28th, 2019 Ennis, TX

I just completed my initial call and signed up for the program. Cedric was exceptional to work with, he was very informative and professional, providing excellent customer service. I am very excited to get going towards my financial freedom. Thank you Cedric!!

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Sandra L Hicks
April 25th, 2019 Tucson, AZ

I have just started the program so I can't say yet. However, the reason I enrolled in this program rather than going with another company was because Wyatt, my initial contact person was so helpful in educating me on the details. He was patient, supportive and sensitive to my financial predicament. As he clearly covered all the bases and every question I had and assured me that this would all work out. I actually enjoyed our conversation.

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Aurora Montano
April 25th, 2019 San Ysidro, CA

I really liked Jennifer with her help and she was very polite and respectful.

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Ron
April 24th, 2019 Cross Junction, VA

My experience so far with PacificDebt and Rian T has been very positive, very encouraging and helpful for us to make this big decision to get out of debt. Rian has continuously assured me that the process works. He gave us confidence to move forward .

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Eshelle Lunow
April 23rd, 2019 Fleetwood, PA

Still early, so hard to say at this point. I am hoping that it will all go well and everything works out.

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FISH
April 23rd, 2019 Sun City, CA

I wish I had the words to express how relieved I feel, knowing I received the answer to my problem. Knowing someone will be there to help me along the way to being debt free, is just almost to much to believe. The wonderful young man, named Rian was the best person to of called me today. I was truly in the lowest part of my life, until he took the time to talk to me and help me understand the program. I don't think anyone else, at this point, could of done as good a job. THANK YOU, Rian for being so very patient, kind, personal and very nice to me. I really needed the up-beat talk. Thank you, once again. What a guy. How lucky for you to have such an asset to work for you. Sincerely, Mary K. Fish

Pacific Debt Inc. Logo

Reply from Pacific Debt Inc.

Apr 25, 2019

Thank you so much for your 5 star review. We look forward to assisting you and are thankful to have Rian on our team as well.

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Don
April 23rd, 2019 Macomb, MI

Jennifer and Eric were awesome. Both of them explained the entire process with me and made sure I was comfortable with the proposed payment. I couldn't have asked for a better experience.

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Laura
April 22nd, 2019 Palm Bay, FL

Just completed my enrollment in the program. Jeremy was kind and helpful answering all my questions. Looking forward to being debt free! Thank you!

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Randy
April 18th, 2019 Huntingdon, PA

Jeremy has been a great help to me in explaining how this program works, what to expect and made it easy to understand. Thank You Jeremy for all your time and hard work!

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Jerdene Alston
April 17th, 2019 Chapel Hill, NC

Thanks to Camille P for helping me, she was very helpful in answering my questions. I know that I am making the right decision. Thanks again Camille.

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Daniella Bauman
April 15th, 2019 Knoxville, AR

Nick was great at explaining everything that was going to go on. He helped keep me calm about the whole situation.

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Leatha Jennings
April 15th, 2019 New York, NY DETAILS
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I was, struggling to maintain minimum payments on my credit card accounts with little to no relief in site. Then a cousin referred me to Pacific Debt, I was nervous not sure if their program would work for me. The representative, from their team was like speaking to my uncle who was going to get his Neice back on track financially and they did. Every question, I had all my fears about ever being free of credit card debt they answered over and. over again until I understood and felt comfortable. They took care of the debt collection calls, the numerous notices, they stepped in at a time I was drowning and help me get my debt under control. As a Child of God I was concerned about not being a borrower, and chained to debt forever. The team at Pacific Debt, delivered all they promised and more. You couldn’t Pray for a greater team. Thanks you, Pacific Debt.

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Karen Geddes
April 15th, 2019 Plattsburgh, NY

I really enjoyed the call. Everything was explained to me so I could understand. Very pleasant! I look forward to doing business with you.

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anne kaminsky
April 12th, 2019 Cementon, PA

Demetrius was exceptional in explaining and helping me. He also was very patient when explaining the agreement to me.

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Dustin
April 10th, 2019 San Luis Obispo, CA

My experience with Pacific Debt Inc. has been great, the customer service has been exceptional and I feel that I'm on a path to being debt free.

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Burnie
April 10th, 2019 Brooklyn, NY

My exp. was great. Rian took time and explained every aspect of what to expect, even listening to my concerns and showed me the pros and cons of what I wanted, and allowed me to make an intelligent decision. I called with the intentions of doing a bankruptcy, but wanted to see what Pacific Debt had to offer in the event I could avoid one, and was pleasantly surprised. I've already told others about my exp. and some are interested in looking into this for their own finances. I just feel relieved about my financial situation, straightening out w/o doing a bankruptcy, at least the creditors can see my willingness to pay my debts.

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Craig S
April 10th, 2019 Crowley, TX

April 8, 2019 I'd Like to compliment Jeremy for the excellent service he provided me this past week. He helped me sort out all my financial problems and organize the situation that exceeded my expectations. Craig S

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Marianne
April 10th, 2019 Bellefonte, PA

Erin was very helpful with my stressful situation

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Amanda H
April 10th, 2019 Chino Hills, CA DETAILS
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I was looking into debt relief, and the final push that made me go with Pacific Debt Relief was the customer service. Nick was wonderful. He explained in detail how their program works. I feel like he really wanted to know my personal circumstances and find the best solution for me.

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Zorair Kazazian
April 9th, 2019 Farmington, MI DETAILS
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Very professional team. Reliable to work with. Highly recommend!

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Khalilah Fernandez
April 9th, 2019 Oceanside, CA

Spoke with Erin C this morning to discuss my existing debt in an attempt to resolve my issues and improve my credit scores. She was not only knowledgeable about how to get as much debt resolved as possible, but she was friendly, non judgmental and kind. I couldn't have asked for a better introduction to the program. I am truly appreciative for all her insight and willingness to assist with my debt questions. Erin is an asset to the program and to anyone who has questions or lingering doubt about the process. Thank you again for all your help today! Looking forward to being debt free in the next few years with a clean credit score. K

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Adam
April 8th, 2019 Delta, AL

My personal assist Nicholas was awesome and I would not want to work with any other assistant but him

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Devin Powell
April 8th, 2019 Chantilly, VA

Rian was phenomenal!!! I felt empowered around my financial situation and really appreciated the amazing customer service, knowledge, patience throughout the entire process!!

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Lisa Riley
April 8th, 2019 Winter Springs, FL

My experience with Camille was very positive. She explained everything in detail so that I totally know what to expect! She was very professional and courteous !

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Mary Lou
April 8th, 2019 Englewood, FL

Eva was very professional. She explained everything thoroughly and made it easy to understand. She was very caring and put me at ease. She showed me that this was a better way out of my problem. I am just starting with Pacific Debt Inc., but I would highly recommend Eva.

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Andrea
April 5th, 2019 Hazel Green, AL

Jeremy was precise on how the programs works. He made sure that I understood the process. He is well-spoken and courteous.

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Richard Solano
April 5th, 2019 Moreno Valley, CA

Made it easy to sign up for the program. Told me step by step to understand what I was going to have to do. That's how I wish all customer service was.