Pacific Debt Inc.

Name: Pacific Debt Inc.
Rating: 4.8

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4.8

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2,376 User Reviews

6.9

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LAST UPDATED: May 7th, 2022

Pacific Debt Inc. is a nationally recognized leader in debt settlement services. It requires a $10,000 minimum debt to offer services.

The company holds significant industry accreditations with the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). US News and World Reports also recognized Pacific Debt 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 industry’s lowest prices. Pacific Debt's pricing ranges from 15 to 25 percent of the total debt you enroll. The company then personally 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 that is used to fund the negotiated settlement payment to each lender.

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

The downside to Pacific Debt is that its debt management services may not be available in your state. For example, Pacific Debt does not operate in Washington, Oregon, Kansas, Vermont, or some other states. Headquartered in San Diego, the company has been in the debt settlement industry since 2002.

View Pacific Debt Inc. reviews below.

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The Good

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

High Savings, Low Fees

Throughout Pacific Debt’s website, the company prides itself on how much it has reduced personal debt. In most cases, the company can reduce your debt by 20 to 50 percent, which is significant 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, but it also has low fees. To work with Pacific Debt, you will pay the company 15 to 25 percent of your total enrolled debt. Most of the companies we have reviewed charge an average of 21 to 24 percent.

Though Pacific Debt does charge a percentage of enrolled debt for its settlement services, the nature of debt settlement companies makes it challenging to judge pricing (since individual pricing depends on each customer’s enrolled debt). 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 with no upfront fees.

Industry Accreditations

According to consumers, one essential thing a debt settlement company should 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. They keep clients informed throughout the entire settlement process.

Many clients also praise Pacific Debt for early settlements. A debt settlement company’s main job is to negotiate a lower total debt with a customer's creditors, and the sooner this happens, the better it is for the client.

Though debt settlement can negatively impact a client's credit score, it will also relieve debt for customers with nowhere else to turn — 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 essential 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. Positive reviews and a high rate of customer satisfaction can indicate that you will also have a good experience, should you choose to work with Pacific Debt.

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 specific to their 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 addressing their debt.

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The Bad

Service Limited to Certain States
Doesn't Work With Secured Debt

Service Limited to Certain States

While there are unique perks to using Pacific Debt (relief from credit card debt, medical bills, student loans, etc.), unfortunately, they are not available to everyone. Pacific Debt offers services only in certain states.

This leaves much 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 all 50 states, so compared to the industry, Pacific Debt is lacking in state availability.

However, if Pacific Debt Inc. is available in your state, it is a great option when choosing a debt settlement company. You can find out if Pacific Debt operates where you live by consulting the company's website.

Doesn't Work With Secured Debt

Pacific Debt does not indicate anywhere that it can help people seeking relief from secured debt, such as mortgage loans, car loans, or other forms of debt that are attached to some form of collateral. Most of the debt relief companies we have reviewed also do not offer debt relief services for secured debt, so if you have exclusively secured debt and no unsecured debt, you probably won't be able to work with a debt relief company but rather will need to work with your lender or credit counselor to find other solutions for you.

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The Bottom Line

Debt management programs like debt settlement are highly complex and challenging to do right, and there is always a level of risk involved in paying another company to handle your debt. So, if you are looking for a debt relief option, Pacific Debt's high customer reviews are critical to you making the best decision for your debt situation.

Compared to debt consolidation companies, a debt settlement program is usually approached as a last resort, when 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, including 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 more than $10,000 in debt — student loans, medical bills, or high outstanding balances on your credit card — and live in a state that Pacific Debt services, we highly recommend using Pacific Debt to help you pay off your debt. The company is held to high industry standards as 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.

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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.

Pacific Debt has been helping consumers across the country since 2002. Our mission is to help you get out of debt for as little as possible, while delivering the highest level of service. We accomplish this by educating our clients on their options, having top-notch customer service, and employing a team dedicated to your success.

One of the great benefits of our program is the individual attention you will receive. Prior to enrollment, you will be working with a Debt Specialist who can review all of your options, including the pros and cons of each. If our program isn't a good fit, we are happy to refer you to a trusted partner who might be a better match for your needs.

Once you become a client, our Client Care and Account Management teams will be working with you directly to have you out of debt just as soon as possible. To ensure your success, we regularly touch base with you to make sure you are on track and informed. Throughout the process, you have 24/7 access to your dedicated account and always have the final authorization on all settlements.

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2,377 Reviews

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Featured Review

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SJE Phoenix, AZ

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!

2 years ago

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Featured Review

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Gail Katrice Louisville, KY

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.

2 years ago

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Featured Review

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Gail Katrice Louisville, KY

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.

2 years ago

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Verified Customer

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James Watts - Pacific Debt Undisclosed

3 months ago

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Donald Howerter Ft. Pierce, FL

The folks at Pacific Debt that we have had help us have all been outstanding. They are understanding and make the process seamless. Debbie, Julia and Mia have all been fantastic to work with. They are very knowledgeable and empathetic. Their customer service skills are amazing. I recommend Pacific Debt to anyone. Thank you for making our goal of being debt free slowly become a reality. We look forward to completing the process.

2 weeks ago

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lidia de la rosa Oceanside, CA

I ran into this company by frantically searching online after we were drowning in debt. From the very beginning they were so informative and attentive. They were so helpful and right away I knew I was in the right hands. I am in the middle of my ''program'' and am so happy to see almost all of my accounts settled with the exception of a few but were almost there and I cannot wait to be done. Thank you so much to the Pacific Debt team for always checking up on me and being literally a call or email away.

3 weeks ago

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KW Allentown, PA

We got into debt and did not even realize how deep we were in. I was thinking of bankruptcy but hated to go that route. I was a nurde for 37 yrs. Most of those years were spent living in Southern Ca. I just kind of woke up One day and said to my fiancé whom I live with look what we have done. It was not intentional but you buy a little something here and there and before you know it you are swimming in debt and about to go under for the 3rd time. I was praying, I am a Christian, and asking God to forgive me for getting into debt. I have so many adult children., grandchildren and even great grandchildren that used just charge everything . I stumbled on Pacific debt by accident but not really. I think God answered my prayers . They are the most wonderful company I I have ever seen. They really care and they do everything in their power to help you. It’s Christmas tomorrow and for the first time in many years I am going to enjoy it. They worked with us and they took so much stress from our lives that I am about to cry at how wonderful we have been treated. Thank you Almondo, Michael, Erick R, Mirium and to David who directed the calls. You are all Gods gift to us. Thank you for helping us. You will never know how much your help has meant to us. God bless you all. Have a very merry Christmas !

4 months ago

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Verified Customer

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Paige Kennedy

Pacific Debt has helped me resolve almost all of my debt in a very short amount of time. Their team was pleasant to deal with, and their company as a whole was efficient and knowledgeable. I quickly began seeing my credit score increase and my involvement was minimal, which was a relief. They really take charge and get it handled, which I appreciated.

11 months ago

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Verified Customer

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Edgar E. Houston, TX

I've been under the Pacific Debt program for a few months now and all I can say is that they are a great team of people that really want to help you. Communication is outstanding and we still get check-in phone calls every few weeks. Specifically, Julia Q. has been awesome assisting me lately as was Wyatt L. before her. Can definitely recommend them for your financial needs!

11 months ago

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Verified Customer

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Patricia Velazquez

I didn't even know companies like this existed. I saw another company's commercials and I started looking into them with the BBB and they weren't the best. When I was inquiring about other companies, I found Pacific Debt because they had a high rating with the Better Business Bureau. I didn't want to get into this program - I wanted to pay everything that I owed. But according to my income it would be very difficult. So far Pacific debt has treated me with respect and been courteous. Their concern is for the client to meet their goals. The credit card interested rates makes it hard for people with low income to deal with them. And all the fees are extravagant. I thank God that I was able to find this company so I was able to get some help. I am opting not to have to pay such a high interest rate and so much with something you borrow for a bit. I look forward to communicating with them and to be able to have a good company work with me. I highly recommend them. If I know anyone that's having problems like I am and they want to solve the debt problem through this medium, then I will recommend Pacific Debt.

3 years ago

Reply from Pacific Debt Inc.

Thank you so much for the kind review Patricia. We look forward to working with you and are glad that you found us. If you ever need anything, feel free to reach out to our Client Care team at 1-877-722-3328. You can also email us at .

Jul. 3rd, 2018

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Verified Customer

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Sarah Killingsworth Yreka, CA

They were recommended more highly than all the other services I read about. I feel totally relieved that we made the choice of putting things on their hands. The person that helps me out with everything makes me fell safe, they phone us whenever there's an update and are just super supportive and positive. So far they have paid off several of our cards in a timely fashion and are still working on some of our things. I'm more than happy about that. I'm looking forward to being done with my debt and starting over. We hope that it goes a little faster, but I know that that depends solely on how much we put into it.

4 years ago

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Verified Customer

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Edgard Cavalheri Chantilly, VA

My husband did the research and really liked them. From the very beginning they were very flexible with me. At first they wanted 22% of the debt payments but we were able to negotiate and got it down to 20%. They're flexible and helpful like that. They always get back to me whenever I have questions and communicate really well through emails. They were all very detail oriented. We got letters, emails, and phone calls too whenever they needed to communicate with us or give us updates. They talked with the creditors and negotiated great savings for us. They explained what they were going to do, but also how they'd do it. They also told us how to handle things and how to go about doing what we needed to do. They were very thorough and always went the extra mile for us. I'm relieved that I did it, I'm completely out of debt now. I'm very happy I went with it.

4 years ago

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Verified Customer

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Nicolle Picking Clearwater, FL

I had thought about filing for bankruptcy but decided against it. Instead I looked at the option of consolidation and at that time I got an email from Pacific. It sounded like they would do a good job, so I gave them a chance. Everyone that I've talked to has always given me thorough explanations. If I leave a message they call me back right away. They also do a good job of calling me or emailing me when there's any changes or if they come up with answers for my questions. They've taken a lot off my mind. I'm relieved that things are being taken care of and that I don't have to file for bankruptcy.

4 years ago

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Verified Customer

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Renee Corona, CA

I had heard good things about Pacific Debt. I think they are very reputable and a good company and very reliable. Overall, they do what they say they're going to do it and they do it the way they say they're going to do it. They are very professional, they get back to you with phone calls and emails in a timely manner and they keep you apprised of everything is going on with your account. I will refer them to all of my friends.

3 years ago

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Verified Customer

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Gerald Workman

I decided to sign up for Pacific because their "in-search" results showed up that they were one of the top 5 leading companies and that they could keep up with the best ones. It wasn't something that I was proud of at the start because it meant that I was in a situation that called for it, but I'd say that we picked the right company, and everything will work out good for us once it's over and done with.

4 years ago

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Verified Customer

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karen sullivan

I like the mindset and all the ways everybody treated each other, and I felt much more comfortable to work with Pacific. They respond quickly to questions and have valuable answers. They have been able to manage the negotiations with the companies in ways that I couldn't. I can go online, and I have a page that I have access to anytime I want so I have access 24/7

4 years ago

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Verified Customer

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Guadalupe Pulido

When I went on the internet to look up debt relief, Pacific debt relief came up as one of the highest rated organizations to help people with credit problems to get out of it. I got phone calls and emails and if I didn't get a chance to read the email a phone call was a follow up to make sure I had the receipt information that they provide. If I had any questions they were readily available to answer them at the moment as well as any other time if I had to call. I had been with a different company in the past and with Pacific it is more efficient and faster results driven.

4 years ago

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Verified Customer

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Anonymous

Ultimately, I signed up with them for their customer service. I've had experiences with others, but I am satisfied with what they have done, and I think they've really done the best they could. They're very courteous and have a lot of good customer service. They are always willing to answer questions with the mentality that no question is a dumb question.

4 years ago

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Verified Customer

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Christopher Cardenas

They've been up front and on top of everything, they told me what to expect as far as my credit score and how it would gradually go back up. They took care of me and I am satisfied with everything they have done for me. I really appreciate everything they've done for me, they're pretty solid and on top of the game in taking care of their clients. Worth every bit of the money that I'm putting into it and I wouldn't change anything about it.

4 years ago

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Verified Customer

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Frank

I'm a person that does research on everything I do, and it seemed like Pacific Debt was the only one that didn't lie. They were trustworthy, had call backs right away, and were very knowledgeable. I also looked up the complaints and there really wasn't any. There was one complaint about it taking six months, but Pacific Debt tells you up front that it will take at least six months, in order for you to build up your bank account.

4 years ago

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Verified Customer

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Alison Williams Charlotte, NC

I had a lot of debt that I needed to take care of, but I needed help to do that so I went to Pacific. They've always been very supportive and understanding. They do their best to answer each and every question and guide me through the best way to pay off my account. Every few months they give me a report of what has been paid off and what things are coming up. I'm very well informed of everything that happens. They take care of everything over time and are willing to put in the work for you. They're a good company.

4 years ago

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Verified Customer

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Samantha Cookman Raeford, NC

A family member used them and had a good experience with them, so I decided to go with it too. They do a lot of the hard work for you and get things done. They are really good about getting back to me whenever I have questions. I also get emails and phone calls to update me on things. Sometimes they don't keep in touch as much as I would like them to, but they're still pretty good. Everything is going really well.

4 years ago

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Verified Customer

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Paul Williams Bahama, NC

They looked at my case to see how they could help me. We went from there and they've worked on my debt and done an excellent job. They constantly update me through emails or give me calls when something happens. When I needed to have some answers, or just to communicate with them, they respond very quickly to me. They have been able to negotiate 95% of my outstanding debt and did that efficiently. I'm happy about that.

4 years ago

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Verified Customer

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Janette Snead Chesapeake, VA

They were the cheapest service that I could find, so I went with them. The person that I've worked with has been terrific. I don't call them very often, but when I do I am satisfied with their responses. If they can't respond, I always get a callback fairly quickly. There's a website that I can go to and see if my bank has been paid off and things like that. I'm going to stick with them until it's done, though I wish I had made a different choice.

4 years ago

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Verified Customer

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Sara Holland Wimberley, TX

I saw them on the internet, that's basically how I got started with them. They're pretty good at communicating, though I haven't heard anything from them in a while. Still, for the 2 or 3 years that I've been with them they've called me once a month or so to update me on things. We're on the last payment right now and the service has worked fine for me, I'm satisfied with it.

4 years ago

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Verified Customer

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Patricia Miller Selma, CA

The person that has been taking care of my account for the past year has been great. She keeps in touch and really takes care of me. They check in with me every month and also call me anytime something happens. If I have a question I can just call them and they'll give me an answer. The only thing is that I didn't expect my credit score to fall. They tell you to wait while they're going in and talking to your creditors, in the meantime, you're just not making any payments. I thought that in the agreements and settlements that period would not be considered, but apparently that was not the case. Still, they solved my problems and helped me get things under control. I couldn't have done it by myself.

4 years ago

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Verified Customer

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Catherine Boyer Omaha, NE

They are really nice about everything. They explain everything and never put you down because of your situation. They do a good job as far as getting your debt down goes, though they could improve their communication. There's a bit of a lack when it comes to that. If they're actively doing something, you do hear from them, but otherwise you don't really know what's going on. I haven't heard from them in a while actually, so I don't know where we stand in the process right now. I still feel like I made the right decision though.

4 years ago

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Verified Customer

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Debra Branda Missoula, MT

They are always there and always answer my questions. I almost never have to wonder about anything, they're just always there to help. Everything has been taken care of in the time and way they said things would go. I'm not necessarily proud of doing this, but it was what I needed to do and I feel very good about that. I'm glad I got help and I'm happy that they were there.

4 years ago

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Verified Customer

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Grant Holzman Palm Harbor, FL

I just happened to get in touch with them and the woman that responded to us was really helpful. Because of that we just decided to go with Pacific Debt. Things worked out well. They were very thorough through it all. She kept me informed of everything that happened and put my worries at easy. She was just exceptional and helped us all the way through. They made things very easy and reduced my debt. I think it was the best thing I ever did.

4 years ago

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Verified Customer

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Wanda Howard Alexander City, AL

I saw it advertised on television so I called and talked to them. From what they said it just seemed like they were a pretty good company to deal with, so I signed up. I've really enjoyed dealing with them so far. They give me calls to tell me what's going on and I haven't had any problems with them. I feel comfortable with it, they have a good service.

4 years ago

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Verified Customer

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Jeanette Holley Enola, PA

I came across it on my Facebook feed and since they were one of the best consolidation companies out there I decided to go with it. They usually update me through emails or phone calls. I really don't talk much with them unless there is something that I need. They are always exceptional though. They have been able to put almost everything I owe into one payment.

4 years ago

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Verified Customer

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Charles Goodson Sulphur, OK

I researched several different companies and they seemed to be the one that had the most to offer. They also just seemed to be a lot better than the other ones I checked. I gave them a call and everything went very smoothly from there. It has been great to work with them. They've kept me informed and updated on everything. At least once every 2 weeks or so they call me to tell me how things are going. Then, as things progress, they spread out the updates. Things are going well, I'm very satisfied with it. I trust them.

4 years ago

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Verified Customer

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Teresa Leforte Cook, MN

I just found their website and decided to call. I never had any issues with them or anything, they just took care of everything. Their customer support people are personable and call you back to let you know what's going on. I can trust that they're taking care of things so I don't even have to call them myself. I never had any issues. I just made sure to make my payments, make sure that things got paid off, and I didn't have to deal with any of the creditors. I think it was a good choice, it was a great deal.

4 years ago

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Verified Customer

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Anthony Gioe Yonkers, NY

The gentleman in sales that I spoke with was really good. When I called he explained everything about the program and overall it was just a good experience. After that I just decided to sign up. The people are very nice and easy to get a hold of. They answer all your questions. Every time I need them, they're always there. They will email me or call me on a regular basis to let me know how things are going. I got the best result they could possibly get for me. It has been a great relief.

4 years ago

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Verified Customer

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Richard Tucson, AZ

From what I saw on the web they looked good, so I decided to try it. They have been helping me lower my debt, though I'm still in the process of paying it back. I get periodic updates from them that tell me what is happening with my account. Every time I needed help I can just call and I will get a response on the same day I contacted them. Sometimes they would respond the day after, but they were always there when I needed them.

4 years ago

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Verified Customer

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Cheryl Virnig Brainerd, MN

I went online and since they had really good reviews, I signed up. The representative that was assigned to us would call us to let us know how things were going. Even though it is a tough topic to deal with, they're always pleasant and very helpful. We could also call her and check online to see how everything was laid out, everything was there. They have always been there whenever I call. When payments and bills came up, they would work with me to see what would work best. They helped me get back on track and helped me a lot. I feel like it was a good idea to sign up with them.

4 years ago

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Verified Customer

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Zhanna DeGrafft Columbia, MD

I'm satisfied with my decision of going with them. They've kept me informed of all my old charges. We speak regularly about what's going on and I can look up a report online on how my accounts are doing. I can do that anytime I need to. They're excellent. They've just resolved everything and thanks to them, instead of owing all my credit cards, I just have one left to pay.

4 years ago

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Verified Customer

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Nancy Schroeder Davenport, IA

They've actively pursued settlements for me. I'm always either emailed or called by the person that handles my services and they let me know how everything is going. They have been doing a good job for me so far. I feel good about it because it's a way for me to get things settled and taken care of. If I was doing this on my own it probably wouldn't happen at all since I don't know who to talk to or how to negotiate settlements. They have been excellent.

4 years ago

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Verified Customer

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James Martin Irving, TX

The person I talked to when I was researching the service seemed very knowledgeable and courteous, so I thought I'd give it a try. They have all done a great job so far and I totally appreciate it. They call me ever so often to let me know how things are going. They also send me emails. They've done a great job and got me good deals on everything so far. Thanks to them I've paid back less than what I thought I was going to have to pay.

4 years ago

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Verified Customer

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Joseph Krzykowski Jacksonville, FL

Whenever I have any questions or problems I either email them or call them, though I prefer emailing them because of the time difference. They get back to me right away, usually within a day of me emailing them. They update me every month by email and every two months I get a more complete update of what's going on. They have their act together. They know what they want to do, they do it, and they tell you what things are and if and how much you have to pay. If you get any other people screaming at you for your money, I just send them their way and everything gets taken care of. I need to touch base with them since I still got two accounts open that they're working on. My only complain right now is that ever since I got them I've been getting a bunch of emails from other debt relief companies. They say they don't give your number or email out to other companies, but that your name is still out there in the public somehow. I think that's a bit hypocritical, I mean, otherwise how did they get my name in the first place? They didn't just pull it out of the phone book, they got it somehow and I don't think my information should be out there, available to other people and companies. That's wrong, I mean, they must've been the ones to put my information out there.

4 years ago

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Verified Customer

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Debbie Folsom, CA'

They've been very helpful! I forget things because of my chemo, but the representatives are very patient about explaining everything, even if I forget. Plus, they're in constant communication with me and are always keeping me updated. I think they're really good at what they do and very professional. It's all pretty seamless to me. They've removed the stress I had.

4 years ago

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Verified Customer

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Diane Lawson Far Rockaway, NY

So far, my experience with them has gone along very well. They settled my debt within the time frame the said it would be done. They would email me every time something new would come up, and I'm very relieved. It was so overwhelming, but now, it's a relief. The only thing that I would say is that if a person is in debt, and it's becoming so over whelming, they should look into Pacific Debt for help.

4 years ago

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Verified Customer

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Katerina Pavlova San Francisco, CA

I don't know how to describe it, but everything was great from the beginning, almost to the end. The lady assigned to my case, I think it's Shauna, was great! She emailed me earlier to make sure everything was okay, and if I needed something. I saved money already, and I feel really good about it. I even recommended the service to some of my friends. I wish every company had Pacific Debt Relief's customer service.

4 years ago

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Verified Customer

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Marcus Brooks Orange Park, FL

My experience with them has been very positive. It has been a learning experience, because I didn't know anything about them at the beginning. I didn't know how it works, and how a company like them can take stress off me. I must say, I felt a little bit of fear at first, but after I went through the process, I felt pretty comfortable. They negotiated my account and took about 40% off my total debt, so I definitely saved a lot with them. Plus, they've kept me informed throughout the entire process. Every 2 months or so, they email me or call me, just to give me a review on what's going on with my accounts. I give them a triple A+ for the service they provide.

4 years ago

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Nancy Potter Magnolia, TX

It took me a year to decide to go this route to get rid of my debt. It was a scary idea but the people at Pacific Debt talked me through it patiently. Now I'm halfway through getting rid of that monkey on my back and I'm thrilled. Pacific Debt has an easy process to follow and have never failed to do what they told me they were going to do. They check up on me every few months to see if I have any questions. I am so thankful to this company for helping me make the initial decision and for being there when I need them.

6 months ago

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Verified Customer

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Les Gall

I was made to feel very comfortable throughout the entire process and I also felt such relief that they were gonna fix things (which they did!)--don't remember the guys name but he was the best and I wish I coulda bought him dinner or something

1 year ago

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Verified Customer

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Kimberly

Read the reviews for Pacific Debt and they were good. They've been very attentive and walked me through everything. Made the process very easy. I haven't heard from anybody since my initial introduction so I don't know how progress is going.

2 years ago

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Verified Customer

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Mike and Michelle Luttrell Bakersfield, CA

I think it's great and comforting to know that our credit cards wont be sent to collections. It's so great .I love that it is very easy to work with and affordable .It's so great. And there is alway's a quick response when I send my paperwork in . they get back to me right away when I call also .

2 years ago

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Verified Customer

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Nancy Bradenton, FL

I haven't finished with my experience yet but so far they are so attentive and so caring. The girls are very friendly and very knowledgeable, and they think of all the questions I could have before I even have them. So far I haven't had any complaints.

3 years ago

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Verified Customer

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William Doylestown, PA

I thought that they were the best available option for me. I feel pretty confident about my decision to use them so that I can take myself out of this hole. They are always there to answer my question either by call or email.

3 years ago

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Pacific Debt Inc.

The Good

High Savings, Low Fees

Industry Accreditations

Positive Customer Reviews

Personal Account Manager

Client Resources

The Bad

Service Limited to Certain States

Doesn't Work With Secured Debt

The Bottom Line

Pacific Debt Inc. Frequently Asked Questions

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