Name: Pacific Debt Inc.
Rating: 4.8

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Laura Herrera

Nicholas was very helpful in trying to relieve my apprehension on doing this. He tried to make me feel as comfortable as possible and kept reminding me that there is light at the end of the tunnel. I would recommend anyone facing financial hardship, like myself, in helping you become debt free.

7 years ago

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Albien Luh San Bruno, CA

I am a little bit slow is this stuff and Rian who worked with my case and initiate the program is very helpful. I've seen the reviews, i've heard how they work and i like it. I just need to wait for a few months to start a debt free life again.

7 years ago

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Tami Upper Marlboro, MD

Jonathan was very knowledgeable and helpful when asking questions regarding the debt consolidation process. For anyone participating in the program, it can be overwhelming making the decision to consolidate debt. Jonathan made the conversation very easy. He was very thorough during the entire process. I am extremely satisfied with my decision.

7 years ago

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Jackie Goins Lady Lake, FL

Extremely personable and knowledgeable, answered all questions, went over all aspects of the agreement in detail. Discussed guarantee, the billing, how money will be handled. In researching companies the only con I saw for this company was that it was not in every state. So very happy their services are available in my state!

7 years ago

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DONNA C LACUESTA Mililani Town, HI

It took me a while to finally call in to inquire about debt relief. A friend of mine told me about this company and that is why I called this company. Once i called, Richard explained everything fully and made me feel at ease about my situation. I am glad I called.

7 years ago Edited September 14, 2021

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Barbara Copenhaver Las Cruces, NM

I was given all the information up front and never pressured to sign right then. I said I needed 30 minutes to think about this and Jonathan said no problem he would call me back. I like the fact that it was completely up to me once I had all the fact. No pressure at ALL!

7 years ago

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Marie Horsfield Milford, PA

I will recommend Pacific Debt to anyone that has debt problems. They are an excellent asset. They have helped me all the way thru this embarrassing time, without making me feel like a failure. Thank you all, you are all courteous and caring.

7 years ago

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JMS Palo Alto, CA

I worked with Jonathan K. who was very helpful and patient, working with me at my convenience due to my hectic schedule. He was able to answer some concerns I inquired about. I would definitely refer others to Pacific Debt Inc.

7 years ago

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Alex Markwell Port Richey, FL

Pacific Debt has helped during a very stressful time. The initial 6 month wait is trying and several different representatives help you. That is my only frustration. Now that I have one account manager, my apprehension is gone. The level of professionalism and moral support has been great.. I highly recommend PDC.

7 years ago

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Pam Gridley, CA

The DMB associate was very understanding of my pacific debt needs. I was surprised to find out my debt will be resolve in three short years. They have relieved the stress and pressure that I have been feeling for quite some time. I would recommend this company to anyone who needs debt relief.

7 years ago

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Dawn Clio, MI

The reps are so friendly, knowledgeable and very straight forward with you about how they are going to help you through debt relief. They thoroughly answer all your questions. I highly recommend Pacific Debt to anyone looking to get out of a financial nightmare!

7 years ago

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Francisco Rivero New York, NY

Very professional, went step by step to explain everything so it could be easily understood. I would highly recommend Pacific Debt to anyone who needs the help with their debt. Representative Mr. Jeremy S. was great very professional and did a great job.

7 years ago

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Aggie

I'm not a fan of doing reviews for such a personal situation. But in this case my experience with this company and my advisor, Kimberely B. I've made huge strides in resolving my debts. In one year, I'm half way there and I owe her a "debt" (no pun intended) of gratitude. Plus, I do exactly what she advises me to do and it's paying off. Her commitment to providing sound financial advice increases my commitment to a healthy financial future.

7 years ago

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Christine Merkler Honolulu, HI

Armando was very patient with me and explained the process clearly. He is truly an asset to your company. Based on my experience and knowledge of your company to this point the services you provide offer an opportunity to get out of debt without filing bankruptcy.

7 years ago

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Cheyenne Wright Fort Worth, TX

Josh was super helpful and reassuring. I was terrified to get set up with the program, but he helped me overcome my silly fear and made me feel like I was going to be okay. He explained everything to me, walked me through the paper work, and even told me how everything works. He made it simple and relieved anxiety for me.

8 years ago

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Cora L. Udell Anniston, AL

I must say that I had a very professional as well as a nice experience as I was given information regarding my debt. Your representative was also quite patient with me as he guided me through the paperwork. It was a very good beginning experience that I trust will continue throughout the coming months.

8 years ago

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Lori Alexander, AR

We have been using this awesome company for over 3 years. They have done a remarkable job in a very timely fashion. There has never been a time that they haven’t answered all our questions and concerns. We highly recommend them if you have debt issues!!

8 years ago Edited September 14, 2021

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Charlene Bonneau Mastic, NY

My daughter and I were talking about how much I owed on my credit cards and she said that she was in debt too but she applied to have her bills consolidated with Care One Credit and she said they did and awesome job with her. I gave them a call and I am loving my monthly bill of $386 opposed to paying out more then $600.

8 years ago

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Dona Riles Phoenix, AZ

They are helpful and are settling my debts. Tina has been very informative and helpful. My biggest issue with the program, and I wish I would have figured this out in the beginning; is that they have you stop making payments and do not settle till accounts go to collections. The amount of debt is that much more with all the additional fees and interest etc. The savings would be soo much more if they contacted and worked with the creditor when you enroll and not wait for the debt to be charged off and gone to collections. Plus the impact on my credit score was significant, it is going to take extra work to get it back up once I am done with the debt. I did not fully realize the good and the bad of the program when I signed up as I was stressed out only being able to make minimum payments. But at least I know that I am on the path to being out of Credit Card debt, I needed the help and discipline. But If you can do it yourself, I suggest trying that.

8 years ago

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Diana Spriggs Albuquerque, NM

What a wonderful experience. It is always difficult for me to ask for help, but Eva L was so understanding and took the time to answer all my (many) questions. She made me feel valued and was non-judgmental of my situation. I feel like I am finally going to be on track to resolving my debt.

8 years ago

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Lanelle Edwards Lufkin, TX

My rep was Armando DR. I truly appreciate his superb customer service in getting me through this initial process. He took a very stressful situation in my life and made it very tolerable. He put me at ease throughout the entire process. Thank you Armando for being understanding and kind. Lanelle

8 years ago

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Victoria McCollum

Allow me to tell you that working with Kimberly B is a breath of fresh air. Been with program since March of this year, 2017, and already settled AMEX debts (3). Customer Service and follow up should be her middle name. Thanks for helping me not to stress out over this debt with employees like Kimberly. She is the best!!

8 years ago

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Robin McNabb

I had a very positive and helpful experience setting up my debt consolidation. Everyone explained things to me and made sure I understood everything before moving on. They were really understanding and knowledgeable to answer all my questions.

8 years ago

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Whitney Collett Scottsdale, AZ

I spoke with Armando, he made me feel secure with this decision I decided to go with. I was very scared at first but he explained everything to me and made me feel like I was doing the right thing. I'm excited to see how this process pans out for myself.

8 years ago

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Eli Alanis Houston, TX

When I talked to Ashly on the phone, she was friendly and polite. She was very knowledgeable about explaining to me there available service and options . I was so glad Ashly helped me out. Thank you Ashly. I would recommend Pacific Debt Inc. to family and friends.

8 years ago

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Kathy Houston, TX

Due to some unforeseen circumstances, my debt became unmanageable, so I decided to try a debt management relief program. Working with Anthony L was a very positive experience, which was not at all what I expected. I'm new at this, so still cautious, but very satisfied so far. Thank you Anthony for the concern and quick attendance to my need.

8 years ago

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Michael Blevins Tulsa, OK

Nicholas H was fantastic. He was patient, courteous and knowledgeable. He took the time to understand what we wanted to do and explained how to achieve our goals. It was a pleasure working with him and I recommend this company to anyone needing help getting out of credit card debt.

8 years ago

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James Owen Malden, MA

Armando was extremely courteous and very understanding of my situation. He answered all questions thoroughly and explained in great detail the entire process that will take place and assured me that help will be there for me at any and all times, should I need it. Excellent service rep.

8 years ago

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Gabriela Long Beach, CA

I had the pleasure of speaking with customer representative Nicholas H. Very helpful, polite, & patient. Answered all my questions and was able to help me find a good plan to get me out of debt sooner! awesome customer service! :)

8 years ago

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JNC Livermore, CA

So far I'm very impressed with Pacific Debt Inc. I called and was helped by a very knowledgeable representative by the name of Richard W. He was patient and very thorough. I can't wait to be out of my debt situation in 3 yrs from now. Thanks again.

8 years ago

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eries torres

I was referred by a co worker and was glad I took the initiative and called. I was assisted by Mr. Richard W who assisted me all the way. He was patient and answered all my questions. The best part is my payments will be biweekly which will all me to have some money to save and be able to pay other bills. Thank you so much for all your help.

8 years ago

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Kristina L

I was falling into a financial hole and finally decided to seek help. I received a call the next business day from Richard W. Richard helped me realize that it is ok to ask for help and he was a pleasure to work with. He explained everything to me, and did not have an issue explaining things more than once if I didn't fully understand.

8 years ago

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ISAAC

I was a little skeptical about this considering all the identity theft and hacking out there but they really help you out. Got the approval in less than 20 minutes, they explain everything to you so you can understand before making a deal. Excellent service. Hopefully all works out, so far everything looks fine.

8 years ago

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Andres M. South Ozone Park, NY

Working with Kimberly B. at Pacific Debt has been a great experience thus far. Kimberly B. has kept all her promises in resolving my credit card debt. I would recommend Kimberly B. and Pacific Debt to anyone who is going thru a financial hardship due to any Debt situation.

8 years ago

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Valerie Goldstein Pomona, CA

Anthony was very professional in setting up my new account at Pacific Debt. He explained everything to me thoroughly and patiently. I feel much less stress about my difficult situation after speaking with him. Knowing that the Client Care team would be calling me to follow up periodically makes me feel like I will be taken care of properly.

8 years ago

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Theresa A. Collins

My experience with Pacific Dept. Inc. was so excellent. Ashley provided the assistance I needed regarding my financial situation. I received professional, accurate, personal and very kind service. I am relieved in that my debt is now under control and I am able to keep my home and move onto the future.

8 years ago

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Eva

I am truly greatful for all the support and kindness I was shown and given by ashley and team. You all made this such an easy and comfortable experience I just knew you were the company I needed to work with to get my debt resolved. Thank you from the bottom of my heart! I am so happy to have found pacific debt!! <3

8 years ago

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wayne western

Pacific Debt, And Johnathon was very through. He explained everything that pertained to me and my situation. there was nothing I didn't understand. He did a Awesome job. my stress level went down fast after talking to Johnathon and Erik. Great Job.

8 years ago

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Josh Long Baraboo, WI

Very friendly and very helpful. Took a lot of stress off me by combining all my debts that was overwhelming me and the calls every five minutes from debt collectors. Feel this was the route to go to recover the financial mess I got myself into.

8 years ago

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Matthew Camdenton, MO

Nicholas has been talking with me over the span of 6 months and was very informative, patient, and aware of my financial needs. I feel confident that with his help and the help of Pacific Debt reconciling my debt is within my grasp.

8 years ago

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Karen J Provo, UT

Rian was very helpful, kind and patient with all my questions and concerns. Everything was explained in detail. Very good professional/ personal relationship was established during the process. PacificDebt services are highly recommended.

8 years ago

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Gena

I was connected with Anthony L because he handles the accounts in my state. Anthony was very easy to talk to, informative, and most helpful. He took the time to answer all of my questions and explained everything thoroughly. I feel such a relief because we now have a very affordable payment each month.

8 years ago

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ED ATWOOD Apopka, FL

Richard W was very professional... very helpful.. and very courteous.. Walmart was one of the debts I needed to resolve with 20%interest...and their unholy percentage rates.. walked me through the process. thank you RICHARD!!!

8 years ago

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Liz Yorktown Heights, NY

I must admit that I was skeptical of how this would work and have been very pleasantly surprised. My experience has been nothing but positive. Kimberly B was my representative and she has always been available for questions an kept me involved every step of the way. I would recommend your service to anyone.

8 years ago

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Julie V Rancho Cucamonga, CA

My experience with Pacific Debt, Inc. was very positive. My rep, Armando DR was very knowledgeable and he was an instrumental force in helping me get out of the debt I had been in for so long. This was a very good process and I would highly recommend this company and especially my rep to anyone wanting to clear up debt issues.

8 years ago

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Max

My experience with PDI since I enrolled has been up and down but Kimberly B has been great all through out. She has been patient with me when I stress out with my debts. She always made sure she's always there to reassure me when I have doubts about the program. To date she has settled majority of my largest debts. I still have 9 more credits/debts to go but I am confident that Kim will be able to settle these sooner than later. I am grateful!

8 years ago

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Dawn

Anthony L is my representative. I started with a call to Pacific Debt this morning and I have a huge burden lifted from my shoulders tonight. I really thought I was doing the right thing in handling my situation myself, but I now see I was wrong. Very professional and compassionate company so far. Thanks Anthony

8 years ago

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Naomi Levitt

So far I have been very pleased with the courteous and prompt way I have been contacted. Every time I scan information to them, I get an immediate confirmation that they have received it. If I have a question, I can call someone and get an answer. We look forward to the time when our debts will be paid off and also look forward to having an Accounts Manager contact us in due course.

8 years ago

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Lynda Ruffs Dale, PA

I've been with Pacific debt for 8 months and they have been wonderful to deal with. They have settled 2 of my account already and my credit score has already gone up. My account manger Kimberly Becker has been great to work with and keeps me informed on everything that goes on with my accounts, could not ask for nicer person to work with.

8 years ago

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Debbie Shaver Newburgh, IN

This program is worthwhile if you need help or don't have the discipline to do it yourself. They were very good at contacting my creditors and the money is deposited into an Escrow type account and disbursed monthly as needed. My experience was a positive one until I neared the end of my program and they changed my representative. It is important to know this before making your decision. The debt you enroll is not the debt they are settling. They will have you stop making payments and won't try to settle any accounts until you are at least 3 months behind. However, this will inflate your debt with extra late fees and interest. This inflated debt is what they settle, so your "savings" isn't as high as it might otherwise be if you contacted the creditor yourself. For example, (these are exact numbers from my program to explain what I am trying to get across). I had a credit card with a $1200 balance that I enrolled. PDI charges 22% fee on that $1200, so I am paying them $264 to settle the debt for you. I stop making payments and the $1200 debt has increased to $1380.48 before it is settled for $690.24. PDI told they settled the debt for over 50% savings. Yes and no. $690 is 50% of 1380. However, I also paid PDI $264 fee and the settled debt was $180 more than I enrolled in the program. So my original debt cost me $690.24 + 264 + 180 = $1134 to have PDI settle for me. In reality, I only saved myself $66 off my original debt.If I had the discipline to do it, I could have put the extra $444 towards the debt instead of towards PDI and extra fees. PDI doesn't spell it out for you like this, they want me to believe I saved 50% on that credit card. It is a good program if you need help to eliminate your credit card debt. But, I recommend trying to do it for yourself first. My 30 month program is taking 37 months to complete. That's 7 extra monthly payments I wasn't counting on when I enrolled.

8 years ago