Pacific Debt Inc. is a nationally recognized leader in debt settlement services. It requires a $15,000 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.

Pacific Debt was named the #1 Debt Settlement Company by Best Company for 2016. US News and World Reports and Bankrate ranked Pacific Debt as one of “The Best Debt Settlement Companies of 2020." 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. The company then negotiates with each lender to reach a settlement agreement. While negotiations are underway, clients stop making monthly payments on their bills and put the money into a separate account to be used to make the negotiated settlement payment to each lender.

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 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 for its settlement services. 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 for settlement. 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 and debt consolidation). 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 services in Arizona, California, Florida, and Texas. 

This leaves the majority of the United States 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 $15,000 in debt--student loans, medical bills, or high outstanding balances on your credit card--and live in Arizona, California, Florida, or Texas, we highly recommend using Pacific Debt to help you payoff your 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.

Why Can I Trust arrow_drop_down

Pacific Debt Inc. Frequently Asked Questions

What is Pacific Debt?

Pacific Debt is a debt relief company committed to finding solutions that truly benefit our clients while also offering the highest level of service.

Why should I trust Pacific Debt?

We've been helping consumers for over 17 years, are Accredited Members of the BBB with an A+ rating, and have thousands of 5-star online reviews from real customers.

How does Pacific Debt services work?

When you call, we will evaluate your situation and determine the options that make the most sense for your situation. The evaluation is free and confidential.

How do I enroll in Pacific Debt's settlement program?

Call our toll free number or visit our web site for a free quote.

How much do Pacific Debt services cost?

We have no upfront fees and the cost is a function of total debt enrolled as well as state of residence. Fees typically range from 18%–25% of the debt enrolled. Our fees are only earned once a settlement is negotiated and you have approved the terms of the agreement.

How long does debt settlement take?

For most clients, the program is a 3–4 year process, although clients may complete their programs sooner, or take longer, depending on their budget.

Does debt settlement affect my credit score?

For most clients, the answer is yes, your score will go down. If you are current, or have only missed a payment or two, your score is likely to go down in the early stages of the program. Our goal is to get you out of debt as soon as possible to put you in a better financial position. As each debt is settled, you will see your debt-to-income ratio improve and upon completion of the program, you will be in an excellent position to rebuild your credit score through proper use of credit.

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User Reviews

Star Rating


2,220 Reviews

Review Breakdown

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Sentiment Criteria

Value for your money
Quality of product or service
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December 16th, 2019 Phoenix, AZ DETAILS arrow_drop_down
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I was working with another debt relief agency but I was very dissatisfied with the customer service experience. My monthly amount kept changing as they based my total on my credit report which I had informed them was still getting updated. My monthly amount kept changing and it stressed me out so I cancelled them. I found Pacific and spoke to Ray who has been fantastic. He was very understanding and helpful from the first chat. We texted a lot and emailed at first prior to speaking on the phone, and he understood my frustration. He built a plan based on my debt information in conjunction with credit report so that the list was complete. He was very thorough in explaining the program and made himself available to answer all questions immediately. If my experience with the process is 75% as good as my experience with Ray I'm sure I'll be thrilled. Thank you Ray!


Gail Katrice

March 11th, 2020 Louisville, KY DETAILS arrow_drop_down
Value for your money
Quality of product or service
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Company trustworthiness

I was able to receive the peice of mind I so desparately needed. I went from drowning in debt, not sure where my food money was going to come from because I was maxed out, to excited about my future.


Vincent Paluscio

July 2nd, 2020 Garland, TX

Mr. B, it was a pleasure to speak with you and I look forward to working with Pacific Debt. I know I'm on the right track and in the best hands. Thank you for your warm welcome, time, and understanding in helping me become debt-free.


Shawana Harris

July 2nd, 2020 Lafayette, LA

I have not heard of Pacific Debt before but Ashley R was very nice , attentive and knowledgeable. She made the whole experience easy to do and she is very easy to talk to.



July 2nd, 2020 Phoenix, AZ

Eva is the best she surely follows up on make sure to answer my questions and give me all the information I need I’m so happy for this program I’ll be definitely recommend it to others. I never know it was this easy it really makes me can sleep in peace knowing I’m on my way to being debt free.


Shawana Harris

July 2nd, 2020 Dallas, TX

Excellent customer service! Ashley R was kind, thoughtful and patient.


Matthew Lorenzen

July 1st, 2020 Fremont, CA

Jake is the ultimate pro. He explained everything to me clearly and in a way that was easy to understand. Jake also made me feel like an important customer. I'm excited to start this partnership with Pacific Debt to become debt free with the 2 credit cards in 4 years or less.


Miss 'Mantha

July 1st, 2020 Palm Desert, CA

Very helpful and understanding everything


Eric Reyes

June 30th, 2020 Pompano Beach, FL

Good first impression very helpful made me feel comfortable & that I was making a good decision



June 30th, 2020 Dallas, TX

Eva was professional and friendly. She made everything very easy to understand and was very thorough.



June 30th, 2020 Columbia, MD

Very easy to work with. Friendly and there to help with any questions.



June 30th, 2020 Wyoming, MI

Nick was very thorough and informative. Great help!


Chris Hott

June 29th, 2020 Gallatin, TN

Tomeca was wonderful, patient, and pleasant to speak to..she helped me understand the important factors in the debt settlement process and above all I trust her and her representation of the company..above all I feel like I have a new friend. Thank You Tomeca


Jackie L. Kreutzberg

June 29th, 2020 ,

They were very nice and they explained everything very nice and they were very helpful with what I wanted done. If I didn't understand he went out of his way to make I did understand what he was trying to say to me.



June 29th, 2020 Warwick, RI

Overall a pleasant experience, Tomeca was very informative and helpful


Danon Whittine

June 29th, 2020 Prairieville, LA

Jake was very polite and helpful. Thanks for everything



June 29th, 2020 Spring Hill, FL

I was in debt and thought there was no way out! the interest took most of the payments I was making and I was turned down by the credit union for consolidation because I had "too many debts"! Cedric, the representative I spoke with, was understanding, and very helpful. He explained every step of the way to assure me to be debt free in 48 months as compared to eleven years or more with the creditors I had been paying faithfully monthly. He gave me peace when I needed it most and I would highly recommend anyone who is in debt to contact Pacific Debt and they will help you. Although I am new to this program, I feel confident it will be done and if I am able to pay more, I am allowed to which will shorten the time. Please don't wait another day dealing with creditors. they don't care about you but Pacific Debt does


Beverly Norton

June 26th, 2020 League City, TX DETAILS arrow_drop_down
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I was very impressed with the help and assistance that I received. Everything was explained and Eva was very helpful and great at making me feel comfortable be taking time with me. I am so glad and feel a burden has been lifted..


Tal Sharone

June 25th, 2020 San Diego, CA

I had the pleasure speaking with Chris R about my Debt and solution .. I am really glad I did choose to work with this company! Chris was very professional and answered all questions and fear that I had . I am still waiting to hear from my professional case agent and see how this program will work in the future.



June 24th, 2020 McKeesport, PA

Super informative and they actually have your best interest in getting out of debt.


Andrew Stelling

June 23rd, 2020 Great Falls, MT

It's hard to imagine a process that went as smooth as it did. I applied, with in minutes received a call, and Ashley was very proficient! I'm happy with the outcome and looking forward to seeing how they can further help me!


Cori Morris

June 23rd, 2020 Anaheim, CA

The person I worked with was very friendly and relatable. She made an effort to sympathize with my situation and show similarities within her own life which helped me to feel more comfortable discussing my situation with her. She was knowledgeable about the process which was helpful and she always made sure to keep me informed of the process such as putting me on hold to send out the request to the company's underwriters.


Diane Corley

June 23rd, 2020 Dallas, TX

Ahley set my mind at ease and showed me that there is a light at the end of the tunnel. I appreciate her professional and down to earth demeanor. I feel I made a good decision


Carlos Villalva

June 23rd, 2020 San Jose, CA

im my concern help me a lot ... the call same me to much ... thanks for be a human kind and talk with me like a friend ... i am really glad


Virginia Charanza

June 23rd, 2020 College Station, TX

Jordan was very Professionally I am very satisfied


Woody Woodyard

June 22nd, 2020 Williamstown, KY

Christopher R was very proffesional. thats why i decided to work with Pacific Debt.


Kevin clethen

June 22nd, 2020 Tampa, FL

Everything went well I was well informed


John B Turbeville

June 19th, 2020 Houston, TX

courteous employees, quick approval, available when I needed it the most


Rich C

June 19th, 2020 Fort Walton Beach, FL

Honest and up front about the entire program. All was explained about our credit score and what to expect. I am treated like an individual not just another customer. My wife and I were listened to and all our concerns were answered fully. I appreciate the transparency of the company. Knowing what to expect up front from the beginning will help you decide if this type of program is right for you.


Anchi Liu

June 19th, 2020 Newton Center, MA

the company is very professional. the customer service Michael D is very professional


Cynthia Perez

June 17th, 2020 ,

I can't begin to tell you how knowledgeable, helpful, friendly, customer service personnel was.


Frans Dupreez

June 17th, 2020 DeRidder, LA

Very straightforward!!! Amazing service. Eric was very knowledgeable, friendly, and a pleasure to deal with. Promote ahead of peers


Denise Hunt

June 16th, 2020 Winston-Salem, NC

He was very helpful and informative ,my experience helped me to be more confident toward my future in becoming debt free In the near future.


James Nowlin

June 16th, 2020 Indianapolis, IN

They did for me what no one else could. They helped me out a lot.thank you.



June 16th, 2020 Inverness, FL

Straight forward and professional in their approach


Paul Mercy

June 16th, 2020 Sanford, MI

I worked with Debbie and she was very good and she is a valuable employee. If you need to down size make sure you don't lose her.


Barbara Duffy

June 15th, 2020 Schenectady, NY

Chris was the best. He was very helpful andcalmed my fears.



June 15th, 2020 Washington, NC

Richard was very friendly, understanding and professional. The experience was not degrading but very helpful.



June 15th, 2020 Los Angeles, CA

They help me allot they again stand my business and stand me up they are very nice and great people and a great company to help this time I am really thankful to you


Pedro Ortiz

June 15th, 2020 San Jose, CA

My Agent Ashley R was great at answering my questions and providing me with information to make an informed decision on paying down my debt .


brian kim

June 12th, 2020 Los Angeles, CA DETAILS arrow_drop_down
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Demetrius guided me along the process over the phone. Very easy going and helpful. If you've fallen for some hard times or just need to have your debt become more manageable reach out to Pacific Debt. Excellent customer service and will recommend.


Jaki Mathews

June 12th, 2020 Philadelphia, PA

Mr. Richard W is super professional and patient with questions. I hope my payment with Crossroads will mirror Pacific.


Melissa Trumpold

June 10th, 2020 Marion, IA

Very thorough and professional, yet understanding of my situation.



June 10th, 2020 Katy, TX

Helpful and informative, really helped understand my debt and how to solve it



June 10th, 2020 Lake Worth, FL

Very easy to start processes, Ray was very helpful! Hope I be dept free soon!


Michelle Butterfield

June 10th, 2020 Salt Lake City, UT

Customer service was great and all my questions were answered. I look forward to having assistance with my financial situation.


Ernest Hare

June 10th, 2020 Saginaw, MI

I was very surprised to hear from a cc debt-reducing company but am now very happy that I did. The representative-Jordan by name, was very patient and helpful with me. I can't tell you how his helpfulness has made me a happy camper. At this time I cannot praise him enough and am 100% satisfied-- I would and will recommend pacific to anyone I encounter who might be burdened with cc debt. Gratefully, thank you.



June 10th, 2020 Apopka, FL

So far I’ve just spoken to the sales person. He seems very knowledgeable .


pam smith

June 9th, 2020 Ozark, MO

It was easy very reassuring and answered all of my questions. Very helpful. Allow me to ask any questions I had.



June 9th, 2020 Oak Lawn, IL

I have never done this but needed help to pay my bills off. Jordan was a tremendous amount of help, explained everything thoroughly and made me feel comfortable & secured that this is gonna get me out of debt and now I can be stress free. Thank you Jordan!