Name: Pacific Debt Inc.
Rating: 4.8

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Vince San Diego, CA

Jake was a great representative who answered all my questions. The payment plan was very easy to understand and helped me save $1000's. Now could I just call each creditor and try and negotiate myself...yes but the lump sum payments and payment structure I would not be able to do. With Pacific Debt, they handle all of the finances to get each creditor paid in the right amount of time and saving me the most amount of money.

2 years ago

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LEO AUSTIN Spring Hill, FL

I used this program several years back and was very pleased with how quickly I was able to sort out my debt. I found myself in a similar situation and my initial call did not disappoint. Eric G was very helpful, was able to clearly answer all my questions, and genuinely gives the impression that he cares about helping. I would recommend this company to anyone needing a little help or organization with their debt.

2 years ago

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Melissa Los Angeles, CA

Before speaking to Nicholas H at Pacific Debt, I was ready to file for bankruptcy. After speaking to Nicholas, he was able to calm my fears of never-ending debt and answer all my questions. As a single mother, I thought my debt was unmanageable, and I would never get out, but now there is a way and I have so much more confidence for a better future for my son. I am able to breath again. Thank you Nick and Pacific Debt!

2 years ago

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Christina Bui Texarkana, AR

I was on the fence about consolidating, but I felt get after signing up, I felt a huge weight had been lifted off my shoulders and now I can see a light at the end of the tunnel. Also my customer service representative well very polite and informative, she answered all my questions, multiple times, until I could understand lol. She was very patient, making sure I understood everything before I signed up, making sure my payment was where I would be able to make it comfortably, she was very professional. So far, I am very happy

3 years ago

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Audra Silver Spring, MD

I’m amazed that Pacific Debt is not more popular! It is an amazing, foolproof, worry-free and hassle-free service, specifically designed for your credit success. My rep was knowledgeable, diligent, and easy to work with, and made my acceptance into the program seamless. I honestly wish I would have known about Pacific Debt a lot sooner! I’m looking forward to watching my credit improve much faster and easier with their help!

3 years ago

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Angela Lafayette, CA

I just worked through opening an account with Jake, and he was great to talk to; he made the transition through opening this account super easy. He answered my questions; I had some, even though I was pretty informed about the process. Despite telling him I did research, Jake gave me more links to look at to ease my mind. I would definitely work with Jake again.

3 years ago

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Amy D. San Diego, CA

Mr. Richard W from Pacific Debt Inc. was very helpful and relieved a great amount of stress and worry. From the very first phone call he was very easy to understand, non judgmental and very through with explaining the program. Mr. Wreturned every e mail/text and phone call promptly. A huge weight was lifted off my shoulders and I can see the light at the end of the tunnel! Thank you Mr. W and Pacific Debt Inc.!!

3 years ago

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Tiare Mililani Town, HI

Richard was awesome! He was very informational and knew the product very well. He assisted me with all my questions and was very professional and friendly. I highly recommend this to those who have more debt than income. I wish I did this earlier! I was a little skeptical in the beginning but Richard made this process so quick and easy. Thank you Pacific Debt Inc!

3 years ago

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Petra Perez-O'Brien Sacramento, CA

After much research, I decided to enroll with Pacific Debt to assist me in settling my debts. Camille was very understanding of my situation and thorough in explaining how the program worked, next steps, what to expect etc. She was never pushy and after the initial call, gave me the few days that I needed to make my decision. I'm still in the preliminary stages of starting the program but overall, I'm pleased with the initial contact and hoping that this was a better decision for me than bankruptcy.

3 years ago

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Gloria Enriquez La Habra, CA

Pacific Debt. Has been a true God Send for my Husband and Myself. From the very first phone call. They have been Understanding and very kind. Every single person you speak with is understanding and answers all your questions. As this is such a big step for us to take. The reassurance they give you is wonderful. I highly recommend using Pacific Debt.

3 years ago

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Rhonda Nashville, IN

Erin was very helpful and polite. I love the fact that the people who work for you are well spoken and have a great command of the English language. The process was so quick and painless from the moment I was connected with Erin she was able to pull up all of my creditors go through each account give me a total monthly payment amount and length of time in the program all in about 30 minutes. My account manager even called me on the same day to welcome me to the program.

3 years ago

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Gabriela Tomball, TX

I found Pacific Debt and decided to see if they could help. They were quick and very knowledgeable, Demetrius was so helpful and took the time to listen and answer any questions I had. Coming into this I was a bit weary and stressed out , but Demetrius and Pacific Debt have put me at ease. I know that I’m taking the steps I need with their help and expertise to have some peace of mind. Thank you!

3 years ago

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RHM La Porte, TX

I would have given you 5 stars, but I only know Pacific Debt Inc., by what I have read. However, if I were rating the staff that helped me and set my mind at ease I will give them a 5 star rating. Erin was my initial contact and she was phenomenal she answered all my questions and I still wasn't sure of what to do so I told her I would call her back. She followed with a text later that day. At first I was hesitant, but at my age I don't have too much time and I am getting ready to retire. So Erin called back but I was so busy I had to call her back, she was busy so Erik took my call I still had questions but he set my mind at ease and he promised me that I would be out of debt in 4 years and he explained the process and I don't why but I believed him. So wish me luck because I am going to need it. I plan to post a rating on Pacific Debt Inc as a whole and what they have done for me, but that will come later. RHM Texas

3 years ago

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Sandra L Hicks Tucson, AZ

I have just started the program so I can't say yet. However, the reason I enrolled in this program rather than going with another company was because Wyatt, my initial contact person was so helpful in educating me on the details. He was patient, supportive and sensitive to my financial predicament. As he clearly covered all the bases and every question I had and assured me that this would all work out. I actually enjoyed our conversation.

3 years ago

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Karen Barryton, MI

Our initial contact person, Nick H, and the one who was patient beyond belief with all our struggles trying to connect via email & phone calls trying to fix my in-laws finances and get them back on track. He was extremely patient and very understanding which I really appreciated!! Thanks Nick! We are hoping that by consolidating their debt we can get their monthly payments back down to within their monthly budget. This should also save them money in the long run as there will be no more late fees & high interest loans or overdraft charges!!

3 years ago

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James V. Gregg II San Clemente, CA

I was very please with Pacific Debt, both me and my mother who has to handle my personal business while I am on the road as an over the road truck driver. Eric C assisted my mother with everything at a swift and timely matter and prepared all the documents for me to sign immediately. I was very pleased with the service and the fact that they return your calls immediately. Thank you Erin.

3 years ago

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Ron DeWitt Birmingham, AL

i was impressed with the knowledge and politeness of Camille. She was very professional as she explained everything in detail. She spoke very clearly and i could understand very much. A lot of places people do not speak as well as she did. you all have a very good respectful and delightful and professional employee in Camille. Tell her to keep up her good work. thanks Ron DeWitt

3 years ago

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Lacey Ft. Pierce, FL

Rian was very helpful in getting my husband and I started with the program. All of our questions were answered in a very thorough manner and we never once felt pressured to sign any paperwork before we felt ready. We were able to negotiate some of our fees and get a low monthly payment that was manageable. Highly recommend this company and especially Rian as a customer service rep!

3 years ago

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Delia Ott New Salisbury, IN

Erin was such a sweet and caring agent. She let me express my concerns about are situation that that were in. She followed me through the program step by step. I really do hope that this works out for us. It was a hard decision to make thank you so much Erin for making me feel more comfortable about this program. Just started yesterday hoping everything works out.for us. The Ott's

3 years ago

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Kelli Patchogue, NY

My husband and I had gotten in over our heads with our debt due to costs related to our wedding 3 years ago followed with back to back medical set backs. Eva with Pacific Debt Inc. helped us to see there was a way out without having to declare bankruptcy. She was so helpful and put our worries to easy. We are now able to start saving for a house and still able to get out of debt within two years.

3 years ago

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Tina Marlow, OK

We completed the entire process in about an hour and half , with the help of Jordan who was the most helpful and informative customer service representative I have ever dealt with . I had no idea this was even an option and I am so thankful to God for leading us to Pacific Debt and Jordan. That being said we just started yesterday so I hope we get to give another review later on into the process . Thank you for everything Pacific Debt .

3 years ago

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James Matamoras, PA

My experience from my initial contact with Wyatt and working with Julia Q has been professional, courteous and just a seamless transition. I have never been exposed to situations like I am in but Julia has made me know that it will all work out and she is awesome at explaining the process, what to expect and that is a huge comfort. The unknown is the most fearful state a person can be in and Julia has made it not as frightening and just keeps everything in perspective.

3 years ago

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AW San Francisco, CA

Ray w/ Pacific Debt Inc., was so helpful, patient, knowledgable and pleasant to work with. He really broke down all of the details so that I understood what Pacific Debt Inc. was able to offer me and how they could help me towards my financial freedom goals. Ray was very sincere in his communications and truly stands behind the work that he does to help others. I really appreciate the time he spent with me, reviewing documents, collecting information and answering all of my many questions.

3 years ago

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rosa villela The Bronx, NY

for longtime i wast looking for a company to help me to get out my debt. end my experience with other companies they ask for money affront one day i fount pacific debt inc. i send my information julius Y, call me back end tell me how they can help me end don't ask for money but day give me a lot information to star thank you Julius And Amy day working with me step by step

3 years ago

Reply from Pacific Debt Inc.

Thank you so much for sharing your 5 star review. One thing we will never do, is ask for money upfront. In fact, we charge no upfront fees for our service and only get paid as we get results for you. Congrats on taking the first step Rosa!

Jan. 23rd, 2019

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Keith Olive Branch, MS

My experience with Pacific debt was Comforting. Kia was very sharp and has an excellent voice. The transaction went very smoothly. It is hard to trust any such company to really help you but despite the fee of 25 percent I do feel good about my decision. So far so good. It will give me the ability to live without the overwhelming interest rates that some credit card companies charge. I will finally be able to get ahead.

3 years ago

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DEBORAH WATSON Shinglehouse, PA

Cedric, my Pacific Debt Specialist was very easy to understand as he explained the program. As well, each individual is evaluated for their own personal situation. Understanding how the program works, the money you save, the reduced monthly financial debt, and the freedom to reach goals will result in a debt free life. If you persevere, believe, and feel comfortable with Pacific Debt Inc., they can help you.

3 years ago

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Joshua young San Antonio, TX

So Chris T should be given a promotion, so as to not waste his talents on phone calls all day. He was knowledgable, worked quickly and without bothering me, let me know all the steps and finished up everything in a day or two. He and I talked numerous times, including the weekend to get the job done. He took all my stress away and got me into a better financial situation. It was like talking to a long time friend, shooting the shit. Anyway awesome experience, would recommend u guys to everyone if chris gets the bump up

3 years ago

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Heather Westfield, IN

Chris was so great to work with. I had originally started with another company that was not nearly as thorough and at the same time empathetic and understanding. Chris went through every detail, answered all questions and was a great help. I got off the phone feeling overwhelmed and anxious anymore, but that I had started a path to financial recovery. Thank you so much Chris and Pacific Debt. Heather

3 years ago

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Betty Bowen Goshen, VA

I was really excited to enter this program with Pacific debt. The people were just wonderful to work with and they made me feel better about my situation . I have not been in the program very long and sad to say I have to leave it due to some downfalls. But I would recommend Pacific debt to everyone who needs to seek this type of assistance with their financial situations as they do take charge and make you feel so at ease no matter what you circumstances are...

3 years ago

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Will T San Antonio, TX

I found that the initial process of establishing an account to help retire unsecured debt was handled in a very compassionate and professional manner. The program was explained in detail with all of my questions answered to my satisfaction. The amount being financed to retire the debt is about 14% less than my outstanding balance with the credit card company, and the monthly payment fits easily into our budget.

3 years ago

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Julie Fort Wayne, IN

I did some research first, with 5 other companies. I found Pacific to be extremely knowledgeable, with very fast service and low rates. I have a peace inside me now where there was anxious worry. I know that I can trust the experience of Pacific to help me climb out of my debt. Many thanks to Eva who took the time to explain exactly how they were going to get it all done.

3 years ago

Reply from Pacific Debt Inc.

Julie, thanks for the 5 star review and sharing your experience with Eva. It sounds like you did your research and spoke with a number of companies. We are elated that you made the right choice and went with Pacific Debt. One of the things that separates our program from others is the personal service you receive - both before your enroll and after. Also, prior to enrollment, we work hard to educate our clients so they understand all of the ins and outs of debt settlement and make the right choice for their financial situation.

Nov. 29th, 2018

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kyla from Tx Dallas, TX

Anthony L was my first contact with Pacific Debt Inc. He is very knowledgeable of all aspects of debt relief program. I enjoyed my conversation with him. He made me comfortable and answered all question very candidly, that assured me to pursue my debt relief program with PDI. He helped me to understand how the program works and how to achieve and enjoy the freedom. I thank anthony for his help.

3 years ago

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Lennie Schrantz Vail, AZ

For the past few months I have been working with Pacific Debt and through the whole process found them to be super understanding in explaining how their program works. They are respectful of your situation and offer a lot of support. Julia Q was the representative I talked to the most and she was fantastic in explaining how the whole process works not to mention her great personality that made me feel like I was talking to a friend instead of a financial representative. These are very friendly, professional people that are there to help you.

3 years ago

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Matthew Bailey Staten Island, NY

Pacific Debt has been friendly and helpful at each level. Our Client Service Manager answers all questions and makes sure we understand what is happening at all times. She makes regular contact to keep us up to date and explain what we can do to make the process easier. I have nothing but good things to say about Pacific Debt and would recommend them to anyone in need of their specialty.

3 years ago

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Meredith Ramona, CA

Wonderful experience. I would highly recommend. I consulted with another company first who wasn't completely upfront which is how I found PDI. They were prepared me well for the process & gave me honest information. Communication during the process was excellent. And in the end we had to cancel b/c we were unable to avoid bankruptcy but PDI was very supportive & didn't charge us a dime for all their months work.

3 years ago

Reply from Pacific Debt Inc.

Thank you for your 5 star review. Even though it sounds as if bankruptcy is your only course of action at this point, we are glad to hear you had an exceptional experience. A few of the great aspects of our program you mentioned include: no upfront fees, excellent communication and honest upfront explanation of the program prior to enrollment.

Nov. 7th, 2018

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James Tomkiewicz Harrison, MI

I was pleasantly surprised at the service I received with Pacific Debt. I never thought a person on my position was worth such assistance - I'm just glad that I did before I chose to go bankrupt. I am very satisfied up to this point. My initial contact, Rian, was very helpful, knowledgeable, and full of patience. I recommend the company highly from my experience.

3 years ago

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Karen Honolulu, HI

I signed on online for a debt relief program. I got a call from Jessica right away. We spoke a few times and ended up speaking to Jennifer the following day. I was hesitant at first. Jennifer explained the whole program. She wasn’t pushy about signing up. She gave me some time to think about it when I asked. After sleeping on it, I decided to sign-up. Jennifer was very helpful. Hopefully everything will work out and I can breathe again.

3 years ago

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Doris Coffey Lexington, KY

Pacific Debt walks you through every step of the way. They make sure they address all of your concerns. They are a hands on Debt free company. You have the choice as to how you would like to be contacted. I had to remind myself that Kim is not a debt collector she is trying to get us out. We can see the light at the end of the tunnel. To think I can go back to taking vacations after this make me so happy!

3 years ago

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Angela P Morristown, IN

Pacific Debt was very thorough and efficient in handling my debts. Everyone that I dealt with there treated me with the upmost respect and dignity. After I finished the program, they were still there for me when I needed help getting documents from the creditors that they helped me with. Of all of the companies that I spoke with before selecting one of the debt settlement companies, I am so thankful that I chose Pacific Debt. They are hands down the best debt settlement company out there. My heartfelt thanks to them for all of their help.

3 years ago

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K. Antigua The Bronx, NY

I was in a tough spot and denial about it for a long time. I thought that I would be able to get out of debt on my own and it wasn't until I started Googling for bankruptcy that I stumbled upon Pacific Debt. I am so happy that I did! I was blessed to be connected with a thorough and patient advisor (Ray C) that not only took the time to listen to my problems and explain the process of Pacific Debt in detail, but also assured me that I will be debt-free in three short years. It is possible and I will be able to achieve it. Thank you so much!

3 years ago

Reply from Pacific Debt Inc.

Thank you so much for your 5 star review as well as taking the first step towards getting out of debt once and for all. Ray is a great asset to our company and we are glad he was able to assist you. If you ever need help with your program, don't hesitate to reach out at 1-877-722-3328.

Oct. 12th, 2018

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Shila Leechburg, PA

Jessica was very patient and understanding with my concerns, worries and anxiety about signing up. I need to get out of debt and looking at all options, this is the best solution. Jessica really took time me, going over everything every step of the way. Doing all paperwork electronically made things even easier. I’m still worried but I feel very confident I made the right decision thanks to Jessica.

3 years ago

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Carol Shokoff Hawley, PA

It was difficult for me to admit i was in a financial situation that, for the 1st time in my life, I couldn't manage on my own. I researched countless options that all left me uncomfortable and drained. Then i called Pacific. Expecting the same results, i didnt have much hope. Jennifer changed all that. She is so nice, helpful and reassuring. I am now on my out of my mess. There is a light at the end of the tunnel...its PACIFIC! Call them 1st.

3 years ago

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Wanda Martinelli Madison, WI

I was very impressed with the agents knowledge of the program and how he delivered the information to me. Every area was covered. He answered all of my questions and I feel very confident that the program will work for me. I have had many financial struggles for some time and I feel more at peace now. I look forward to my success and in getting my credit record repaired. Thank you very much!

3 years ago

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Akua Hope New York, NY

My experience with Mr. Ray C was sincerely appreciated. I feel a relief from his help and the way he explained the credit program with my financial problem. I also appreciate his patience with my many questions . And of course I am very Happy that now I have some money in my pockets , Much more than I've had in a long while . Mr. Ray also explain to me the fact , credit cards are not better than using your own money, He made me see how credit cards are just a trap! A H

3 years ago

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Kris Pascagoula, MS

The experience I’ve had with Pacific Debt Inc. has been wonderful. Ashley, has gone out of her way to put my mind at ease, explaning the entire process, answer all my questions, & even provided me with reviews & background information on the company. She has taken a tremendous load off my shoulders & is handling all the leg work for me. I can now breath a sigh of relief knowing it is in her very capable hands. The only regret I have is not doing this sooner!

3 years ago

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Dwight San Antonio, TX

I stumbled upon this company while looking for a lifeline. I was literally at my wits end. Raymond "Ray" C understood. He understood that sometimes life deals you a hand, and you have to ask for help, and its ok to do so. His sincerity and caring demeanor in his voice was a welcome to hear at a time when I had reached my lowest. The fact that i'm now able to sleep tonight is refreshing in itself. I admit I made some bad financial choices, but hey say that admittance is the first step to recovery....if this is true, then Pacific Debt is definitely the second! Thank you so much.

3 years ago

Reply from Pacific Debt Inc.

Thank you so much Dwight for sharing your experience. Ray is a great asset to our team and has been helping consumers just like you for almost 7 years now. He is also a Certified Debt Specialist via the International Association of Professional Debt Arbitrators. If you ever need anything at all, feel free to contact us toll-free at 1-877-722-3328.

Aug. 13th, 2018

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Howard Bland Laveen, AZ

Initially I was extremely leery of Pacific Debt and what I had initially perceived as a pressured sales call. I was 100% wrong in that initial assessment. I took the time afterwards, as I was encouraged to do, and researched Pacific Debt. I would encourage others to do so! They would find what a solid, proven debt relief alternative that you have to offer.

3 years ago

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Sarah Worcester, MA

I was beyond relieved after speaking with Pacific Debt. They were able to take my $26k credit card debt, and offer me an overall monthly payment that was $120 less than what I was paying now. They also lay out several options of timelines for success. I chose a 42 month option, but 36 was available to me. Julius took the time to go clause by clause in the contract, which really eased any concerns that I had. I'm ready for this new chapter to begin, and definitely should have looked into this option sooner.

3 years ago

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Wilder

The intake process was simple. The representative helped me get a realistic monthly payment that coincided with the frequency of my monthly paychecks. The payments came out automatically so I did not have to take any extra steps to make my payments on time. As long as I kept up my end of the deal by making sure I got all correspondence to my agent on time, everything went smoothly. I would recommend this service to anyone!

3 years ago

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Bryan Albers Omaha, NE

Pacific Debt has and is doing a great job. The monthly payment is tough sometimes, but better than a loan or making payments to creditors. So far they have settled several accounts and have saved me thousands of dollars. Kim B is wonderful to work with. Any questions are answered quickly by email or text or phone. Fortunately, I was able to add a little extra to the account. That makes a huge difference on how quickly they can settle. Very happy so far.

3 years ago