Pacific Debt Inc. is a nationally recognized leader in debt settlement services. It requires $7,500 minimum debt to offer 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 $7,500 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.

Disclaimer

As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. See our How We Rank page for more information regarding our ranking algorithm.

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 our review moderation team.


User Reviews

Star Rating

4.8
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1,665 Reviews

Review Breakdown

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Carmen Albrecht
July 15th, 2019 Reading, PA

Thank you Mr W very a very professional and understanding gentlemen.He guide me through every step of my application and at the end it was a big relief.

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Tyler Geffers
July 15th, 2019 Janesville, WI

The procedure of the debt relief process was explained to me thoroughly and was easy to understand. I'm hoping I can reduce some of my stress from my heavy financial burden, by using this company.

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Charlie Shields
July 15th, 2019 Mechanicsville, VA

Jeremy has been easy to work with, thorough and knowledgable. Also very encouraging and reassuring since I wasn't totaly understanding the process at the beginning. I also found him upfront and honest and he answered my questions with respect and patience. I'd recommend him to anyone at this point.

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William Maisch
July 15th, 2019 Clearwater, FL DETAILS
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I found them online, and started to go through the process. But having just moved, I didn't know what to enter. Luckily, Erin called me, and just a few minutes later I was all set and am now happily enrolled. The whole process was super easy and didn't take very long at all. Erin was amazing and answered all my questions!

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Martin R.
July 15th, 2019 Twin Falls, ID

It was simple and easy. It was a fast process and ready to get out of debt

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Jessee koalski
July 15th, 2019 Chico, CA

That the company looked legit and easy to submit an application, which it was. Everything was laid out nicely and quickly accessible.

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William delacruz
July 12th, 2019 Davenport, FL

They been helpful with my problem and the nice to talk they will help you team are Nice

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Cody
July 12th, 2019 Haverhill, MA DETAILS
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Demetrius, whom I spoke with, was clear, and patient, and answered every question I had. I feel confident entering into this relationship with Pacific Debt.

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Louretta Payne
July 12th, 2019 Forrest City, AR

He help me with information on my debt and help me feel at ease

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Kaitlyn
July 12th, 2019 Lincoln Park, MI

Erin was very professional and was very helpful. She put my mind at ease and made me feel that I and my husband were making the right choice.

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Kiperly Rawson
July 12th, 2019 Elberta, AL

Jeremy S was very nice and very professional. He covered everything and was very informative.

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CB
July 12th, 2019 Lee's Summit, MO DETAILS
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My experience with Pacific has been very positive. Nicholas H was very informative and professional. He was patient and answered every single question I had to my satisfaction. Nicholas went above and beyond in providing exceptional customer service.

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Kathy G
July 11th, 2019 San Marcos, CA

The person who helped me was incredibly patient and supportive. He answered all my questions and really eased my anxiety about my current financial situation.

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Will Motosicky
July 11th, 2019 Palm Coast, FL

Demetrius M was a true professional. He answered all of my questions and made himself available to answer any of my questions that I may have in the future.

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Monique McKenzie
July 10th, 2019 Sarasota, FL

Rian was really great at explaining the whole program and building trust. This is critically important as I was about to give this stranger my personal info. I have been contacted by the team that will get me going... so i am very excited to repair.

Pacific Debt Inc. Logo

Reply from Pacific Debt Inc.

Jul 10, 2019

Thank you so much for sharing your experience. Rian is a great asset to our team. Our goal is to be as transparent as possible during the enrollment period to ensure that our service and your needs are a good match. If you need anything at all, don't hesitate to reach out.

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Nicole Harper
July 10th, 2019 Staten Island, NY

Jeremy was excellent and answered every question I had. He has great custom as service and very knowledgeable.

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Ash
July 10th, 2019 Jackson, MI

Very informative and answered all of my questions. Made me feel comfortable

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Ashley
July 10th, 2019 Hilham, TN

I am very new in the program, but so far Jeremy has been very personable, helpful, and knowledgeable. He has been up front and honest about everything, and I appreciate that.

Pacific Debt Inc. Logo

Reply from Pacific Debt Inc.

Jul 10, 2019

Thank you so much for you 5 star review. Jeremy is a great asset to our team. Our goal is to be as transparent as possible during the enrollment period to ensure that our service and your needs are a good match. If you need anything at all, don't hesitate to reach out.

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Melissa
July 9th, 2019 Los Angeles, CA

Before speaking to Nicholas H at Pacific Debt, I was ready to file for bankruptcy. After speaking to Nicholas, he was able to calm my fears of never-ending debt and answer all my questions. As a single mother, I thought my debt was unmanageable, and I would never get out, but now there is a way and I have so much more confidence for a better future for my son. I am able to breath again. Thank you Nick and Pacific Debt!

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Jason Waymire
July 8th, 2019 Wynne, AR

Great service. Answer all my questions and solved my problem in a mater of minutes.

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MAC
July 8th, 2019 Holt, MI DETAILS
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I have felt that it was a blessing to get Wyatt on the phone when I made my decision to call on paying off my debts. He has been very informative on everything so far. I have settled my first debt with creditor in less than 3 months with Clear One Advantage working with Pacific Debt Relief on my balances. Thank you Care One for sending me to Wyatt on initial call.

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Laron M Jones
July 8th, 2019 Fredericksburg, VA DETAILS
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Before talking with Rian at Pacific Debt Inc. I was at a loss and didn't know what to do. He showed me that there is clearly a way out of debt. I was contemplating selling everything I owned, even down to the family pets. Rian literally saved my life and my marriage. Pacific Debt Inc. Turned my life around and got me back on track.

Pacific Debt Inc. Logo

Reply from Pacific Debt Inc.

Jul 10, 2019

Thank you so much for sharing your experience. Rian is a great asset to our team. Our goal is to be as transparent as possible during the enrollment period to ensure that our service and your needs are a good match. If you need anything at all, don't hesitate to reach out.

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Mary
July 8th, 2019 Porterville, CA

Il appreciated how Demetrius help understand the whole process of program and the application.

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Eddie
July 5th, 2019 Spanish Fork, UT

Eric was great. Super easy to work with and very calm. It made me feel peace in a moment of stress.

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PHILIP DEPIETRO
July 3rd, 2019 West Palm Beach, FL

THE HELPFULNESS TO SAVE MY CREDIT WORLD IN MY SITUATION WAS BEYOND EXCELLENT.EVERYTHING WAS EXPLAINED MORE THAN ONCE TO FULLY UNDERSTOOD,A REAL PLUS.THANK YOU A HUNDERD TIMES FOR THIS EXPIERENCE.

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Alice M McCann
July 2nd, 2019 Cape Coral, FL

Debbie A was a wonderful person and a great help to me on my decision to consolidate my debt. I am just new in the program but I feel that I have made the right choice!

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Gail Tubbs
July 1st, 2019 Prescott Valley, AZ

Jake P was very informed about his company's benefits. With his help I was able to make informed decisions about my financial future. He has a wonderful personality and was very friendly while talking to me. I really appreciate that attitude in a person. What a great guy!!

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Heather M
June 28th, 2019 East Jordan, MI

Jeremy was very kind, informative, and helpful. He was not pushy and he answered any and all questions I had. He took the time to go over it all with me and made sure I understood the process. I am excited to have come across PDI before I signed with another company that I was just very uncertain about.

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Christina Bui
June 28th, 2019 Texarkana, AR

I was on the fence about consolidating, but I felt get after signing up, I felt a huge weight had been lifted off my shoulders and now I can see a light at the end of the tunnel. Also my customer service representative well very polite and informative, she answered all my questions, multiple times, until I could understand lol. She was very patient, making sure I understood everything before I signed up, making sure my payment was where I would be able to make it comfortably, she was very professional. So far, I am very happy

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Heidi
June 27th, 2019 Palatka, FL

Polite, encouraging and very helpful. He listened to me and didn’t try to rush me. Thank you

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Deidre
June 27th, 2019

I was referred by a friend for debt relief, the information provided was fast,quick, & easy to understand. I feel better about the decision I made. Thank you Pacific Debt!!!

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Diana
June 27th, 2019 Carlotta, CA

The customer service for this company was exceptional. She was friendly and understanding of my situation. The whole process took less time than I had originally estimated it would take. The information she provided was clear and precise. She took her time to answer all questions I had.

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catherine smith
June 26th, 2019 Clarkston, MI

Richard was very helpful, calming and did a great job explaining everything to me. I was skeptical of the service and had a ton of questions and he handled it all beautifully.

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Justin
June 26th, 2019 Jacksonville, FL

Faron was very helpful and answered all of my questions.

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Donna Smith
June 26th, 2019 Lynchburg, VA DETAILS
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Seems strange trying to rate a company after only a couple days and not really into the process yet, However, I suspect that this review might have some benefit toward the person who was my initial contact person and who walked me through the sign up process. I can speak on that. Because that process feels very intimidating and can feel overwhelming, I feel they have worked out all the kinks as best can be done. My person is Rian T. I am a very cautious person by nature. He did a great job, patient and kind goes a very long way and had he not succeeded in making me feel comfortable I would not have gone ahead with it.

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Burletta F. Teel
June 26th, 2019 Tulsa, OK

I spoke with Rian T and he was very helpful and informative. He explained the program very well and answered all of my questions. I would highly recommend Pacific Debt for anyone trying to get out from under heavy credit card debt.

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David Semelmaker
June 25th, 2019 East Meadow, NY

Deborah was extremely helpful in providing information. She discussed our financial situation and based on that we decided to enroll with Pacific Debt. I can't comment on services as of yet because we only signed up yesterday.

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Nick
June 25th, 2019 Tampa, FL DETAILS
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Faron was amazingly helpful made it easy

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Anna K.
June 24th, 2019 Milwaukee, WI DETAILS
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Talking with my rep made me feel at ease and excited to take the next step with getting rid of my debt. I have talked with other companies and didn't get the same positive feeling. It's nice to know I have a whole team helping me through this.

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Teckla Tavares
June 24th, 2019 Kailua, HI

Thank you Richard W for making this process extremely positive and very hopeful for me to trust in this process. I’ve just started this program but feel very relieved and excited for the end result.

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Audra
June 24th, 2019 Silver Spring, MD DETAILS
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I’m amazed that Pacific Debt is not more popular! It is an amazing, foolproof, worry-free and hassle-free service, specifically designed for your credit success. My rep was knowledgeable, diligent, and easy to work with, and made my acceptance into the program seamless. I honestly wish I would have known about Pacific Debt a lot sooner! I’m looking forward to watching my credit improve much faster and easier with their help!

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Donna Goodman
June 24th, 2019 Elizabethtown, KY

It was quick and they were very friendly. Looking forward to being debt free.

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Shane R. Spencer
June 21st, 2019 Eagle River, AK

Nick was helpful. Did a good job representing the company with a positive image. Looking forward to the product now that I am onboard.

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Rosy
June 21st, 2019 Palmdale, CA DETAILS
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Great experience! Demetrius was very helpful and informative, as well as reassuring. Thank you!

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Angela
June 21st, 2019 Lafayette, CA

I just worked through opening an account with Jake, and he was great to talk to; he made the transition through opening this account super easy. He answered my questions; I had some, even though I was pretty informed about the process. Despite telling him I did research, Jake gave me more links to look at to ease my mind. I would definitely work with Jake again.

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Cortney Burton
June 21st, 2019

It was awesome. I had a great experience. The people were nice and easy to talk to and solved all my problems and issues.

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Janet
June 21st, 2019 Saint Charles, MO

I am in the very beginning stages of my Pacific Debt experience. I cannot say what the end result will be for me. I can say that Demetrius M was very helpful and informed and was very patient with me. He was able to answer my many questions and was very reassuring.

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Nadine
June 19th, 2019 The Bronx, NY DETAILS
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The thought of going through the process seemed overwhelming but once I started the process, my fears were calmed. It was a quick easy process.

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Daniel Rose
June 19th, 2019 Elizabethton, TN

She was very knowledgeable and helpful. I would definitely recommend your company because of people like her.

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Liliana
June 19th, 2019 Bayside, NY

Really helpful with any questions. Explains everything really well.