Name: Pacific Debt Inc.
Rating: 4.8

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Jaki Mathews Philadelphia, PA

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

3 years ago

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Vincent DeBaggis South Dennis, MA

Overall, it has been a bad experience. They turned out to only care about their own profits and are greedy. They want to collect outrageous fees for little or no work on one of my settlements. They claim to be a consumer protection agency but make no mistake, they are a for profit company whose sole aim is to maximize profits at the expense of people trying to climb out of debt. I do not recommend them to anyone.

3 years ago

Reply from Pacific Debt Inc.

Thank you for sharing your review. We are disappointed and surprised by the one star rating given the tremendous success you have had in our program. In looking at the accounts you have enrolled, we settled all four active accounts at an average of 36% of the current balance. You have saved tens of thousands of dollars, even after accounting for our fees. In terms of our program fees, yes we are a for profit entity, like most businesses, and have never represented ourselves as non profit. With most non profits, you would be paying back 100% of the balance plus interest. We also charge no upfront fees, meaning all of our fees are contingent on your success. The fact that we are for profit, does not negate the fact that we advocate for our clients and truly care about our clients and their program outcomes. It is surprising that you state you would not recommend our program to anyone, given that you just added an additional account to your program last month. Please reach out to your Account Manager, Nicole, should you need further assistance or clarification on the status of your program. Thank you for being a client and while we understand you are unhappy with certain aspects, we certainly appreciate your feedback and are happy to see that your enrolled accounts are in settlement status.

Jun. 5th, 2020

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jasmine ostrander Rensselaer, NY

Everyone was very nice and very non judgmental. They went out of their way to explain everything to me and answer all my questions.

3 years ago Edited September 14, 2021

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MARGARET LAPENT Mooresville, NC

William was very pleasant, helpful and thorough. He made this process easy to understand and was extremely helpful in explaining my questions.

3 years ago

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Miriam Cromwell San Tan Valley, AZ

Staff were very helpful and friendly. They took the time to make sure I understood the program and was confident in what I was doing.

3 years ago

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Michele Lavigne Muskegon, MI

I felt better after speaking with Demetrius about my debt and setting up a plan to get back to being debt free again. Thank you!

3 years ago

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Martin Harris Lancaster, PA

Chris was great explained everything! Wanted me to be comfortable and made sure I understood every step of the process

3 years ago

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Kelvin Anderson Newport News, VA

Very professional experience. I was given clear and concise information, with fully knowledgeable answers to my questions.

3 years ago

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Nancy Albany, NY

Eva has done a great job explaining how the process works and I appreciate the support I get from Pacific Debt. Thank you.

3 years ago

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Margie L Kelley-Brindley Paducah, KY

Eva L was very understanding and answered all my questions and understood my concerns, since this is not anything I've ever experienced.

3 years ago

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KAREN EVERHEART Weatherford, TX

How Ms R explain everything, and no matter how many times I stopped her and ask a question she would take the time and answer .

3 years ago

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B. Grau Los Angeles, CA

Willingness to explain and answer all questions. Thorough discussions about my options. Patience and knowledge to put all my concerns to rest.

4 years ago

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Ilya Malkin Sioux Falls, SD

Initial impression very positive at this point, Debbie was very patient in providing clear answers and prompt in business side of application.

4 years ago

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Sonya Park Los Angeles, CA

Tomeca S was very courteous and helpful and assisted me with all of my questions as a new customer. I am excited to become debt free soon!

4 years ago

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Linda S Chicago, IL

Ashley R. Was very helpful in my decision to do debt consolidation with them! Very professional and knowledgeable! Thanks again !

4 years ago

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Brad Simpson Lexington, KY

Ashley was very professional and super nice! She answered all my questions in detailed and made this a great experience. Thank you Ashley

4 years ago

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Ruth Kirkpatrick El Paso, TX

Wyatt was very professional, not at all persistent or pushing ! He was very clear in communicating information about the process

4 years ago

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Brenda L Ammel Escanaba, MI

Richard was very kind and empathic to my situation. I felt so much better after talking with him. I feel a sense of hope now!

4 years ago

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blackcell3 St Louis, MO

Demetrius was very professional and helpful - answering all of my questions and making the decision as easy as possible.

4 years ago

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Karci Amarillo, TX

The intake representative Debbie, made me feel at ease. She was very helpful in meeting my needs, professional and polite.

4 years ago

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Linda L Rogers El Paso, TX

Explained clearly how the debt relief program worked ! Was very patient when I asked multiple questions as he was going over the program!!!

4 years ago

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Rita McClellan Sanford, NC

Quick and easy process to get started. I can’t give a full, final review because the process of getting my creditors paid is not completed yet.

4 years ago

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Jennifer Morris Santa Fe, NM

This is not an easy thing to do. Ray made it a smooth process. Thank you for taking the time to help me & answer all my questions.

4 years ago

Reply from Pacific Debt Inc.

Thank you for sharing your review. We look forward to helping you resolve your debt and thank you for taking the time to share your experience.

Feb. 6th, 2020

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Tiffany Chandler Denton, MD

Eric G was amazing to work with and answered all my questions with no frustration. I’m excited to see where this journey takes me.

4 years ago

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Debra Zara Wahoo, NE

They make sure you understand everything that's happening, friendly, plenty of numbers to get a hold of someone incase you have questions.

4 years ago

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Christy Yearta Charlotte, NC

The customer service rep, Tomeka, was amazing. Kind, quick, very knowledgeable. The company was rated the best of all, hence I chose to use them.

4 years ago

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Gen San Antonio, TX

Employees were very helpful and patient with assisting me with my situation. I did not once feel judged or rushed! They are awesome!

4 years ago

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Felicia Independence, MO

I just signed on to this Debt program so all I can say at the Moment is that the answers to my questions why taking into Great consideration

4 years ago

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Eric Summerfield, NC

Quick and easy process. Pacific Debt will save me $8,000 and allow me to pay off my debt faster with a lower monthly payment.

4 years ago

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Sharon Stamper Graham, TX

Jennifer was very polite and compassionate. She was very good at explaining everything. The overall experience was was very good.

4 years ago

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Priscilla Carlsbad, NM

Jake P was very helpful by walking me through the whole process I can’t wait to be debt free this year.. Thank you again

4 years ago

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Cyndi Winter Haven, FL

Answered all my questions honestly I feel, they were knowledgeable. They are trying to get me out of this mess I created.

4 years ago

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Dr Frank Lozano Auburn, CA

My experience was and is quite remarkable. Very professional in all aspects. Jordan is the consumate professional and extremely knowledgeable.

4 years ago

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Debra Clovis, CA

Jake was very helpful during this time of great stress. He walked me through everything and made me feel comfortable with my decision.

4 years ago

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Simon Duffy St Louis, MO

The gentleman Cedric that I spoke with was very polite, and informative, and helped me understand the process as we went along!

4 years ago

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Xhesilda

Great customer service and friendly. They answered all my questions and were very specific about what they offer and how they can help you.

4 years ago

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Victoria Gould Tallahassee, FL

the phone call was straightforward and the associate on the line was very patient and helpful with me. i'm looking forward to my future relationship with pacific debt!

4 years ago

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Star Pamplona Sun City, CA

Very helpful staffs especially Tomeca, she made sure that everything is well taking care off and they’re very patient with you.

4 years ago

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Thomas Johnathan Sybor Dunedin, FL

Awesome experience, very nice a helpful. If I have questions he was great at answering them. I feel c that this not a scam and will help me greatly

4 years ago

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Pauline Salt Lake City, UT

The person who called me was very nice and thorough. She made me feel comfortable about starting this program and gave me hope of light at the end of the tunnel.

4 years ago

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Britttany Mahalas

Rian has been awesome and helped me get everything ready to go! Anytime I had a question they answered it. Also the payments were workable!!

4 years ago

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GarryJ Germantown, MD

Erin was efficient and professionally helped me set up a plan to get my credit back on track. She's knowledgeable and was a pleasure to speak with.

4 years ago

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Maureen Spring Branch, TX

Really delighted with Debbie and how relate-able she is - I'm excited about the services and the prospect of a debt free future.

4 years ago

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John Chittenango, NY

Carmen was extremely professional and friendly. She explained the program in detail and was very patient with my questions.

4 years ago

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Martha Greenslade Sedalia, MO

Relatively smooth process. Cedric was patient with the time differences and slow emails. Will see how it goes in 6 months.

4 years ago

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J Reed Starkville, MS

My consultant Debbie was very friendly and truly patient. She answered all my questions and walked me through every detail. Thankful for a new beginning!

4 years ago

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El Arlington, VA

The phone call to get set up was easy an informative. I think it's important to know that you are really only saving about 25% of debt, since Pacific Debt takes 25% of your total credit debt they are negotiating...

4 years ago

Reply from Pacific Debt Inc.

Thank you for sharing your review. Yes, it is important to understand that we earn a fee in this process and this will reduce the total savings. However, it is important to note that we only earn the fee IF we reduce your debt and you approve the settlement. So you stay in control of the process. Also, the total savings is a lot more than 25% when you compare the results to the total amount you would have paid if you were to continue making minimum payments and/or feeding the interest.

Oct. 11th, 2019

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VM Pompano Beach, FL

*******ZERO STARS ******* !!!STAY CLEAR OF THIS COMPANY.!!!!!THEY ARE A BUNCH OF LIARS. FIRST THEY DON’T TELL YOU WHAT THEY REALLY ARE DOING IS SHUTTING THE LIGHT OUT ON YOUR CREDITORS, THRN YOU GET HUNDREDS OF CREDITORS CALLS A DAY. ALSO NEVER EVER REFER A FRIEND OR FAMILY MRMBER TO THEM IN HOPES OF GETTING A $ 200 REFERRAL BONUS CHECK THEY WILL LIE TO YOU AND STRING YOU ALONG FOR MONTHS TELLING YOY THEY SENT IT AND YOU WILL GET IT IN A WEEJ AND YOU WILL NEVER GET IT TERRIBLE COMPANY BUYER BEWARE !!!!!!!!!

4 years ago

Reply from Pacific Debt Inc.

We are sorry to hear about your experience. One of our managers reached out this past Friday to address your concern about the referral fee. First off, your referral check for $200 was mailed on Sept 4th, you should have received it, or should be receiving it any day now. We do require that your referral clear their first full payment before the referral check is issued. Secondly, we make every effort to fully explain our program, both in writing and over the phone. During the recorded QA call from August 1st, you advised that you had a firm understanding of the program and had fully reviewed the enrollment package. Also, it appears that you are still enrolled with our Trusted Partner. All of that said, our management team will continue to reach out to you, so that you can further voice any concerns you have and hopefully we can "make it right" for you.

Sep. 16th, 2019

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John Kim 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.

4 years ago

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Cindy Alcantar 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.

4 years ago