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.

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.

Visit Site

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 usingPacific 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.

We'll Introduce You!

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

1-(855) 388-9098

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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1,775 Reviews

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John Kim
September 13th, 2019 Rancho Palos Verdes, CA

Ms. C was very knowledgeable. She has helped me with all my debt consolidation. Ms. C was sincere and extremely helpful.

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Michael McQueeney
September 13th, 2019 San Jacinto, CA DETAILS
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This company is amazing. So far, they've reduced my debt over 50% and I haven't even been doing this for a year yet! They work closely with you, all you have to do is listen and follow the simple instructions. THANK YOU PACIFIC DEBT!

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Sarah
September 13th, 2019 Vanceburg, KY

Eric G called me yesterday after I filled out an application online. He was extremely helpful, knowledgeable, courteous, and made me feel confident in my decision. Of course, I have only just began the debt free journey and haven't completed a program yet, but the ease of the application process, along with his excellent customer service has seriously lifted a huge weight off of my shoulders. I told him yesterday he was the best customer service representative that I had ever had the pleasure of speaking with, and I really mean that.

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Alvarado
September 13th, 2019 Escondido, CA

Very thoroughly explained their product. Confident and precise!!

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Cindy Alcantar
September 12th, 2019 Odessa, TX

Got the call right away Was patient with me It was easy and smooth process Thank you very much for your help and support.

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Joe Espinoza
September 11th, 2019 Valencia, CA DETAILS
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Your company is incredible! The agent I spoke with was very understanding, explained the program and allowed for me to have an incredible sense of comfort to beginning my journey of becoming debt free! Thank you.

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Jerry
September 11th, 2019 Hemet, CA DETAILS
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Great customer service. I would recommend this company to anyone seeking financial assistance.

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Bill
September 11th, 2019 Henderson, TX

I have been pleased so far pleased with my experience with Pacific Debt and Jennifer was very helpful and nice to deal with,and I am only leaving 4 stars because I have only been a client for a few days,but so far I am very pleased

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Rob estrada
September 10th, 2019 St Louis, MO DETAILS
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I was very satisfied with the service I got from Eric G. Eric was very professional and help full. Answered all the questions I had for him. The way he explained the process and how the program works was very easy to understand. I will defiantly recommend Pacific Debt Inc to my friends and family. Thanks again Eric for all your help!

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Shelley Casion
September 9th, 2019 Watertown, NY

When I called I did not know what to expect I taked with Richard W I felt uneasy about telling my situation to anyone. Richard made me feel right at ease and told me everything to get me out of debt. He walked me through all the steps and explained anything I did not understand. He was patient,caring. If not for Richard I probably would have not finished. Thank you Richard.

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John Chaffee and Dale Horton
September 9th, 2019 Newfield, NY

Debbie A was very polite, friendly, and helpful in explaining the program to us.

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Richard
September 6th, 2019 Fresno, CA DETAILS
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Erin was the Rep I was in contact not only was she slow getting back to me. But when we finally got to council about my situation she played brand new about what we talked about previously and after playing phone tag for a week it proved to be a waste of my time. Shame on you Erin goodbye.

Pacific Debt Inc. Logo

Reply from Pacific Debt Inc.

Sep 06, 2019

We are sorry to hear about your experience. In reviewing the notes regarding your situation, it appears that you were looking to consolidate federal student loans along with your credit card debt. Unfortunately, federal student loans do not qualify for our program. We would be happy to refer you to a reputable service provider who can help you with your student loans however.

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E. L.
September 6th, 2019 Elk Grove, CA

Richard was very precise and courteous. He has help us a lot. Thank you.

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Marie
September 5th, 2019 San Diego, CA

Cedric was very pleasant to work with. He explained the program to me in a way I could really understand it. He was very patient with my questions.

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Jamie Lavender
September 5th, 2019 Alameda, CA

Nicholas was awesome, the service seems awesome, and I'm giving 4 starts not 5 because I want to make sure everything goes smoothly from here on out. So far so good though!

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T Forgette
September 5th, 2019 Pleasant Valley, NY

I've never used a service like this before. I had a ton and a half of questions. Richard was the most informative and knowledgeable CS I ever encountered. He never stumbled at any question and knew his product fully. I appreciate his professionalism!

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Cassandra Cahill
September 5th, 2019 Port Charlotte, FL

Carmen was very professional and very helpful

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Pedro Hernandez
September 5th, 2019 Taylor, TX

They cut my bills lest than half.I am very greatfull to this company.

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Norma Brennan
September 5th, 2019 Reseda, CA

I am so thankful to have found this debt relief program! The process was very simple and quick. Demetrius' customer service was outstanding! He patiently answered all my questions and It was a joy to speak to him. I couldn't have asked for a better representative or a better program.

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RayburnL
September 3rd, 2019 Fort Wayne, IN DETAILS
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My wife and I have run into a buzz saw of debt after losing a big source of income during the past year.. We contacted Pacific Debt after reading reviews of their product. They talked to us about our debt and we figured out a plan that really lowers our monthly payments to an amount we can afford, Thanks Eric!

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Bill
August 30th, 2019 Zephyrhills, FL

Very convenient and it was relieving to know that I could still get help no matter how far into debt I was

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Jess
August 30th, 2019 Valley Stream, NY DETAILS
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Julius was wonderful, really personable and committed to helping me improve my finances

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Lisandry S
August 30th, 2019 The Bronx, NY DETAILS
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Nicole C my account manager has been working with me for a while and she is sweetheart with lots of patience to explain the process and steps to take financially for the best outcome. I feel very comfortable working with C and I know she is making the best accountable and accurate decisions in my account. Thank you Nicole for your great work and many blessings.

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Jamie Edwards
August 29th, 2019 Converse, TX DETAILS
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Fantastic customer service and great effort to make sure you have best settlements possible.

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Lori
August 29th, 2019 Stephens City, VA

The fastest, easiest experience I've had! Jake was amazing!

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Lupe E.
August 29th, 2019 Oxnard, CA DETAILS
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No regrets here!! You will be satisfied!! PDI are very informative they are very communicative and don't ignore your calls or emails. They are respectful and patient and really want help be debt Free! I am glad I chose Pacifi Debt, you will be too!😉

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BP
August 29th, 2019 Grandview, MO

I appreciated the professionalism of Demetrious he was very detailed and accurate in assisting me. He was kind and understood my needs. He helped me find something that fit my budget.

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Priscilla Martinez
August 28th, 2019 San Diego, TX

I was very impressed with the friendliness I experienced with Tomeca. She was very informative, enjoyable to talk, quick to answer my questions. I felt so at ease and comfortable with her. I am so glad I chose to work with Pacific Debt Inc. in helping get out of debt.

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H.R.
August 28th, 2019 Fort Worth, TX DETAILS
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They cut my debt in half and lowered my monthly payment to a quarter of what I was paying.

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Stu
August 26th, 2019 Port Saint Lucie, FL

I have just become a new customer. The customer service provided during my sign up was exceptional. All my questions were answered and a complete explanation of the service was provided. I am very comfortable with my decision and feel less stressed already.

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P. M.
August 26th, 2019 Vallejo, CA DETAILS
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Bad decisions, transitions to a new job a new born baby boy. When everything that can go wrong, goes wrong at the same time. It was time to get some help. I reached out to pacific debt earlier in 2019, afraid for the coming windfall and decided against it at that time. But eventually the credit card bills piled up and before you know it your creditors are calling. Its august now and having no other way to clear up my debt, I called Wyatt again and he was looking for a solution the moment I told him I needed help. Short story, I found the settlement that worked for me. And paying a lot less now. I'd highly recommend Pacific Debt. What can you loose?

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Andrea
August 23rd, 2019 Rome, NY DETAILS
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No one likes to be in debt. But this company is helping me and made it not such a burden to me anymore. I feel like I can finally breathe.

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Tracy
August 23rd, 2019 Burlington, KY DETAILS
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Rian is an excellent financial guide. So far so good. I am a single mom that got caught up w payday loans and medical bills. This program cut my monthly bills in half. Now maybe I can rebuild my credit a little faster. I can now see light at the end of the tunnel.. Thank You again Rian. Tracy H

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David
August 23rd, 2019 Tyler, TX

Richard was very professional in helping me with my debt situation. I felt very relieved after discussing my options and entering a program to help me get back on track.

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Jaime Jimenez
August 23rd, 2019 Katy, TX DETAILS
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Debbie was so helpful to my wife and I. Provided all the answers and services we were looking for. Thank you!!

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Bertha Green
August 22nd, 2019 Baton Rouge, LA

My first encounter with Pacific Debt was through a phone call I received. It was a most rewarding experience. The agent, Marquise D made me feel very comfortable because of his way of letting me know that my situation was important ; that he intended to help me become debt free through the program offered by his company. Marquise explained the program step by step until I fully understood. He was patient,professional, kind and understanding. The whole process went well. The assistance I received was more than I received from a previous undertaking. There will also be a very present help for anything else that may arise along the way. Support being there for me behind the scene until my part in the program is completed is good to know. The choice I made of this company was the tight one.

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Chad Tidwell
August 22nd, 2019 Westville, FL DETAILS
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Fast response to questions I had about my debt.

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J Jones
August 22nd, 2019 Frisco, TX DETAILS
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Thank you Pacific Debt that I can now just breathe! Mounting doubt of over $40K and you gave me a simple solution that is manageable and will pay off my debt in 4 years. Thank you to Erin C, your kindness, understanding, patience (with all my questions) and expert knowledge made this an easy decision and I will always be grateful to you! J Jones

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Jeff M.
August 22nd, 2019 Lindon, UT

I just signed up with Pacific Debt and they were very helpful and quick at getting me approved and the process started. I am excited to get my debt under control and eliminated eventually.

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Kathleen
August 21st, 2019 Penn Valley, CA

Demitrus was kind, calm, helpful and professional. He made the difficult decision of asking for help shameless and painless. I can’t tell you how much that meant. Thank you!

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M. Mayer
August 21st, 2019 Beaumont, TX

I had the pleasure of dealing with Raul H. He was most courteous and pleasant to talk to too. He was knowledgeable and when he couldn't provide an answer, he offered to find out for me. I was very apprehensive initially about the program; Raul was able to put me at ease. During this process, I had to have surgery, Raul was respectful of that but kept in touch appropriately. I think he is an excellent representati=ve of pacific debt and shines a positive light on the company.

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c j chamberlin
August 21st, 2019 Santa Monica, CA

It's hard to take this step, but the confidence to do so comes from your specialists, especially Debbie A.

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Pat
August 20th, 2019 Alabaster, AL

The representative was knowledgeable and answered all my questions.

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Lillian
August 20th, 2019 Miami, FL

I was desperately looking for a solution to get all my credit card debt of $16,000 consolidated or lowered someway. I was barely being able to make the minimum payments of $200-300, $100, $180, for about 7 different accounts, I was drowing in high interest rates and all kinds of fees, and never seeing the light. I decided to do online research at first i was going to go with another company but something about it wasnt making me feel like i was making a good decision, so I saw the reviews for Pacific Debt inc, and decided to make a call, and all i can say is that their customer service is excellent and the fact the they assign you an account manager that will answer aany questions at anytime, and will walk you through everything throughout the program is amazing.

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david
August 20th, 2019 Richardson, TX

Camille was really a big help to us with her patience and help us to get thru the hardest part of our life, she gave us the confidence and the relief that we need, Thank you Camille

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Guillermo Nava
August 19th, 2019 Coachella, CA

Thank you Ray you made me and my wife feel at ease making a decision going through with the program . You explained everything and made us feel so much better . Thank you for your all help .

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Jared May
August 19th, 2019 Versailles, IN

great service, took time to answer all my questions and make sure I had a clear understanding of everything and was very helpful, clear, and friendly.

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Michele
August 19th, 2019 Hayward, CA

Jennifer is wonderful,professional, and very empathetic. I was nervous to make the call and embarrassed. She helped me move forward with a action plan. There are not enough words to say thank you Jennifer for your understanding and patience.

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James Collins
August 16th, 2019 Branford, FL

Quick, clear presentation of debt relief opportunities. I did not choose to be a in the position I found myself in.. I am a Christian and believe in taking responsibility for my obligations. I found myself in a position where I had no choice. That is where PDI came into my effort. Working with a company like this allows me to still feel I am trying to do what is right in a professional manor. I made an excellent choice calling on them!

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Nancy
August 16th, 2019 Sugar Land, TX DETAILS
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I couldn't have asked for a more patient or informative person to discuss this difficult decision with than Erin. She made me feel more comfortable taking this extraordinary step. I feel confident that they will help me through this entire process.