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Pacific Debt Inc.

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2,372 User Reviews

6.4

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Ronald Haskins Albuquerque, NM

Pacific Debt was able to speak with my creditors in you know give my bills lowered and give me a monthly payment that I could afford. They've been very good and very accurate and timely. I think choosing them was a wise move.

3 years ago

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Judy Simon Valley Village, CA

I signed up with them to prevent from going bankrupt and I'm very pleased so far. They follow up and they're always available when you called them. They have very good customer service.

3 years ago

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TJ Kruse Longview, TX

Customer Service is great everything that they explained to us was true. They took a buge burden off of us and allowed us to have some peace of mind while we focused on getting back on track.

3 years ago

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Mable Castleberry

We had just gotten to where we didn't have any money left and we needed help and they gave us a way to pay off the debt and still have some money left over in the end. I'm glad we chose to go with them.

3 years ago

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Kathleen Stricjley

I decided to go with them because of what I had heard about their customer service, they keep me updated through phone calls and I feel excellent about my decision to go with them.

3 years ago

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Tayanna Pereira

Watch out for changes in the guaranteed price, after signing up and having everything done they suddenly needed more from me. I still feel fine about going with them, I don't really like what I heard from them today, but you know the name is very secure.

3 years ago

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Patricia Cook

I did a lot of research for what would fit my needs and ultimately I came up with them as the best option for me. I was able to do online support to see what was going on and so far I feel good about my decision to go with them.

3 years ago

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Jessica Enciso-Santiago

Everything is pretty good, I usually was the one that sent the email right away but other than that they follow through. So far so good aside from my credit score, but they did give me the expectation that I was gonna have bad credit for a while.

3 years ago

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Ryan Samn

They have never failed to call me back when I need to speak to them. They never fail to reassure me, and they have done a great job of letting me know every step that I need to take to get rid of my debt.

3 years ago

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Ben Killham

Pacific Debt has been excellent in every way since I started. Thank you for your knowledge of every situation. Josh H has been stabilizing force in my program. I would have been completely lost without him

3 years ago

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Melanie Fugatti

they have been very helpful through this whole journey with me. I'e researched a lot of companies and talk to some but they were the one I choice. Seem to be honest and quick and answering any questions I had

3 years ago

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Sheryl

they have been so wonderful in resolving my debts and giving me the best professional support. They are always kind, gracious and thoughtful from the first phone call I made to them!

3 years ago

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Ellen Hill Woodbridge, VA

PD was able to reconcile my credit card debt with the exception of two. I was not notified that two of the creditors had requested a letter of hardship. I feel that this question should have been directed to me to decide to submit this letter as it was a hardship.

3 years ago

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Victoria Schwarcz Woodland Hills, CA

I just read good reviews about them, so I went with it. Every time I checked in with them I got a good response, and they contacted me every month or so to keep me updated. It has all been good.

3 years ago

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Anonymous San Diego, CA

The service was recommended by a friend. They are always available to give out information and answer any questions you might have. They also contact me whenever an offer is made. I'm okay with it, they're doing pretty well.

3 years ago

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Disappointed Hubert, NC

Was not explained exactly what to expect. This was the hardest thing I ever did depending on people that I never saw or met. Many times my calls were not returned when I thought my settlements were paid I still got served civil summons. One check for over $1600.00 went somewhere that was found out when on a teleconference with the debt collector and Pacific debt. I will never go through this type of process again. Lesson learned. I daily watched my account with Pacific Debt and Crossroads. Thank God I did. I questions constantly many transactions that did not add up. I got my self where I was financially and Pacific Debt helped. But it was a horrible experience.

4 years ago

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star star star star star

Happy Client Fuquay Varina, NC'

They did everything they could to get the lowest possible amount that I would have to pay on my debt and my rep fought for 6 months without giving in until they agreed on the amount we discussed

4 years ago

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sonny son Moreno Valley, CA'

I am not good with things like this. Which is why i looked for a company to take care of it for me and i just pay. Everything was outlined for me in easy to understand terms. Fast forward 3 years, i almost debt free.

4 years ago

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William Wright Atlantic, IA

They've communicated with me with every transaction and gave me good feedback. Usually I get a call or an email once a month with progress updates. It has definitely made my life a lot easier, fulfilling my obligations with the credit card companies is much simpler.

4 years ago

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Ernest Parker Minneapolis, MN

Whatever question I needed answered, they answered it. I receive updates from them by phone and email. They've handled my situation well so far, and I hope everything works out fine with my debt.

4 years ago

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Brandi Starnes Burlington, NC

I think this was the right decision. The consultants have been great, and they've kept me informed with everything. They walked me through every step of the way, so that's awesome!

4 years ago

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Maria Sorum San Jose, CA

All I can say is that I regret that I didn't do it sooner. Their consultants have been super friendly, helpful, knowledgeable and took care of everything. They know what they're doing.

4 years ago

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Ester Calaycay Pacific Palisades, CA

I've saved a couple hundred dollars, so I'm satisfied with my decision. Plus, the consultants are good. They're very approachable, and they gave me answers to all my questions.

4 years ago

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Aubrey Krystek Los Angeles, CA

They alerted me every time there was a deal or settlement, which was nice because I have a more than 1 job, and don't really have time to answer my phone. Overall, the consultants have offered a positive experience.

4 years ago

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Sharon Parker Wilkesboro, NC

From the very start, everybody's been very professional, very knowledgeable and willing to explain and work with me. They made phone calls to me, and kept me updated. They're a very good company, and I'm glad I did it.

4 years ago

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Debra Hollywood, FL

Everybody at Pacific Debt Relief has supported me, and they helped me when I needed all my questions answered. One of their consultants, Michael, was very active about keeping me updated. I'm just happy with my decision.

4 years ago

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Shauna Ferland Texarkana, TX

I like that they were timely with their updates. They've been very friendly and helpful and answered all my questions. Plus, their consultants were very persuasive, and the way they explained the program helping me make the decision.

4 years ago

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Kathryn Lindsey Livingston, TX

Their agents were very attentive and get everything done pretty fast. They called sometimes, just to make sure I understood what they were doing with my money. It's been really good experience.

4 years 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 weeks ago

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Andria Hall Pearland, TX

Pacific Debt reaches out to me because I need to get out of debt. Even though I honor my monthly payment agreements with my creditors but with the high interest rates, I realize I was not making any improvements in reducing these balances any time soon. I was relieved after talking with William. Not only was he able to identify the accounts with high interest revolving debts but help me to alleviate these burdens. Just the idea that there is a service available called Pacific Debt available to help me become debt free but experts like William who was willing to mentor and assist me in how to move forward in getting it done. At the end of our lively discussions , I was left relieved, hopeful and grateful. After a quick review I realize the business is an Accredited Members of the Better Business Bureau and the American Fair Credit Council. It is also a 5 Star Review as a Top Rated Company. Regards

1 year ago

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Dot 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

1 year ago

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Brenda Joyce Payton Ashburn, VA

In my first telephone interview with your company agent Mr. Eric G on Tuesday 28 April 2020, I have been very well impressioned by his genunine person to person service/help on my behalf. I was actually comfortable in my home couch but virtually in my mind sitting in Eric's office as he goes through the all the helps I needed. He was a great comfort and assuranence for me to give my trust to your company Pacific Dept Inc., to help me clear my financial debt. Thank you so much, I am looking forward at this time of our colaboration together in getting my goal accomplished; which is free and clear of my credit cards debtous. (sorry my spelling)

1 year ago

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Alicia White West Monroe, LA

My husband and I were in over our head with credit card debt, payday loans, and even larger personal loans. I had almost given up and was to the point of filing bankruptcy. I had applied time after time, literally applications back to back for either a large personal loan or some way to consolidate my debt so I could just have a single breath of fresh air, but every single time your application has been denied, not approved, your credit score is too low (thank you I know this). So I gave up at 4am that morning; i was exhausted, out of ideas, and just felt defeated. Not until around lunchtime the next day when I got the phone all was Nicholas, literally my lifesaver. He said he was from pacific debt and would love to try and help me with my consolidation (as did everyone else I tried), but why not what’s one more to add to the books. I stayed on the phone told him my situation he actually related to some of them. Something was different! He wasn’t a computer or just another application. He was real, super considerate of my downfall and debt but even more so he was approving me for to consulate my debt with this once a month extremely low payment.. wait what??? He laughed, repeated himself, and I nearly cried. He explained the process. I asked a ton of questions and he was there to answer every single one. He put me on a brief hold and then like that I was signing through email, and most importantly I was breathing!!! I would recommend anyone going through a hardship with debt to consolidate and contact pacific debt. I’d say I can’t explain the feeling I felt that day, but clearly I have written a novel so long story still long lol they get an A+, 100, perfect score in my book!! Thank you so much for giving me this debt relief program

1 year ago

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renee ford Owensboro, KY

I would like to take this opportunity to share my experience with Raul. Raul and I worked together to get me set up with a program to help me with my debt and get my finances going in the right direction so I can get my life. Raul was very inspiring and made me feel confident and relieved that I had made the right choice and they are all there to help me. When we had finished the process he congratulated me on making the choice to change my life and he thanked me for letting him be apart of me making sure a life changing choice. Raul made things easy for me to understand and when we were finished I felt encouraged and hopeful. Renee Ford

1 year ago

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cheryl Senff Candler, NC

This was something that I had been avoiding for months, coming to terms with my debt, swallowing my pride, and asking for help. I was preparing myself to have an “ugly cry” session..on the phone.. with a stranger.. like a therapy session.. and it was the complete opposite! I spoke with Demetrius, he was so chill and relaxed, it was like talking to someone that I’d known for years! I have only gone through the initial process but I am VERY pleased with the customer service! Even the first girl I talked with (I think she said Kesha), she was sweet as well! Demetrius was able to find a plan that was affordable for me. Saving me a couple G’s in the long run! This process will be taking sooo much stress off of my shoulders, I don’t have to worry about if my family will have to go without groceries or the light bill... or losing sleep and basically being sick to my stomach... Long story short, I should’ve called Pacific Debt a year ago! I can’t wait to see the progress and my credit score recovery!

2 years ago

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TerBear Missouri City, TX

HALLELULLIA!!! I can hear the angels singing! I am so grateful and thankful to Rian for his guidance, support and wisdom. My goal is to be financially free and Rian helped me to manage my debt in a way that works for me. He was very knowledgeable and answered all of my questions with grace and compassion. Rian's customer service was second to none. His understanding of my financial situation and wisdom in answering my questions made it easy for me to make my decision. Looking forward to working with your company! Thank you RI-GUY! May be blessing you bestowed upon me return to you 10 fold.

2 years ago

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Deborah Palomo McAllen, TX

I was working with another debt relief agency but accounts not getting paid, just paying in for services and not feeling satisfied. I responded to an email then call from Rey from Pacific Debt Inc and was asking more specific questions on paying on my debts. Rey was very thorough and direct on how they operate and so I decided to cancel my other contract and go with Pacific Debt Inc. as I feel more confident with them. He went over every page of the contract to make sure I understood. It showed me that my loans I had will get money instead of not being paid anything. I really want to thank them for making me feel better of myself.

2 years ago

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Lisa San Jose, CA

Debbie was extremely informative and personable. She did not at any point make me feel embarrassed or ashamed of my personal financial situation. I have worked with other debt consolidations where they loan you the money, tell them who to pay, then your stuck paying them back that money plus a crazy amount of interest. This is not like that. They work with the creditors to settle upon a lower amount to be paid and there is a fee to be paid for this service however what is saved, makes it worth the price. I like the fact that I am to be involved in the decision making process as well. I am very optimistic this will get me out of debt way sooner than I ever could otherwise.

2 years ago

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P. M. Vallejo, CA

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?

2 years ago

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Bertha Green 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.

2 years ago

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CJ Davis, CA

I contacted a couple different companies before deciding on Pacific Debt. I appreciate how Nicholas was able to help me focus on a solution, rather than shame me for my debt mistakes. I first spoke with a representative from another consolidation company, and she was quite heartless and judgmental. She was also pushy and condesending. This made me second-guess my decision to looking into debt consolidation. The next day, I returned a call from Pacific Debt. Nicholas answered and, quite frankly, was wonderful. He was compassionate. When I told him I needed to consider the quote and plug that into my budget, he was more than understanding and allowed me to end the call with no pressure. He was also able to offer me a better monthly payment than the first company. I'm very appreciative towards him as he walked me through the process, answered all me questions, and, most importantly, reminded me that my financial situation is completely redeemable.

2 years ago

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T & D Fultondale, AL

We are just beginning the program with positive reinforcement from Nicholas, who counseled us through the entire process. He was very informative through each phone call, gave us sound advice, and we look forward to working with him and Pacific Debt. One good thing about Pacific Debt is that they work with the payments, splitting the payment, and with the creditors that we wanted to include. Another positive to this company and to Nick is that he did not bother us with phone calls. We told him we needed time so we scheduled another time to talk and he called back at that time only. We appreciated that very much. Kudos to Nicholas and to Pacific Debt.

2 years ago

Pacific Debt Inc. Logo

Reply from Pacific Debt Inc.

Thank you so much for sharing your 5 star review. Nicholas is a tremendous asset to our company and we look forward to helping to settle your enrolled debt.

Aug. 5th, 2019

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Donna Smith Lynchburg, VA

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

2 years ago

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Marc B Peoria, AZ

I called in to Pacific Debt.... drowning in debt, looking for help. I spoke with , a very helpful, knowledgeable woman, Erin. For me, she asked all the right questions, and was very thorough with her query. She was able to help me, when I thought , I will never get out of my situation. The help and knowledge she provided will now allow me to live more comfortably and stress free. I am elated and no longer wondering how I am going to live my day to day life! Thank you, Erin, so much for taking the time(your patience) and follow thru, with the repayment program that you designed for my needs. Marc B.

2 years ago

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Rackel Taylor Kansas City, MO

I would recommend Pacific Debt to everyone in need of debt relief! I specifically worked with Demetrius and he was excellent!! I truly felt that he wanted to help me in every way that he could and he did. He even went above and beyond to make sure I receive assistance from Pacific Debt. Furthermore, Demetrius answered every question I had and he made sure I understood the company, what they were about, what I was getting myself into, and the process overall from start to finish. He was genuine, kind, professional and was overall helpful. He also made me feel comfortable and lifted a huge/heavy burden off my shoulders. I am now stress free because of Demetrius and Pacific Debt. I am eternally grateful & thankful for them!!

2 years ago

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Richard M Sullivan Walnut Cove, NC

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

2 years ago

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Sherrie Wahiawa, HI

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

2 years ago

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FISH Sun City, CA

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

2 years ago

Pacific Debt Inc. Logo

Reply from Pacific Debt Inc.

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

Apr. 25th, 2019

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Leatha Jennings New York, NY

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

2 years ago

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Burnie Brooklyn, NY

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

2 years ago