Name: Pacific Debt Inc.
Rating: 4.8

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Tessie Lincoln, NE

I felt a great deal of releaf after working with Cedric. He was knowledgeable and caring. Thanks for helping get my financial situation back on track.

4 years ago

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Moises Castillo Lehigh Acres, FL

Very excited to start a new year to eliminate all my debt with amazing guidance from Richard who provided me with amazing knowledge of my situation with a positive outlook!!

4 years ago

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Janice Fort Lauderdale, FL

Stress Relief! Your agent Monique was so wonderful and understanding that I was immediately put at ease that all would be well again. Thank you for this!!

4 years ago

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Thelma Houston, TX

so far so good....we hope it stays that way....Jake P was very help on the phone and took his time with us while we gather all of the documents we needed.

4 years ago

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Hans C Yu Irvine, CA

Overall I felt the PDI works hard to make customer satisfied on all processes and the system how it works. The agent diligently worked to explain the whole concept going over details of the engagement.

4 years ago

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Tracy Burden Shepherdsville, KY

The experience was excellent. Demetrius was very kind and understanding with my situation. He helped come up with a great plan to help me get out of my debt.

4 years ago

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Kim Van Nuys, CA

Tomeca S handled my call and was very polite, knowledgeable, empathic and just a very friendly person. Hopefully all of your reps are as good as she is.

4 years ago

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Lucinda Worcester, MA

I worked with Demetrius who was very knowledgeable and made the process very easy and quick. He reviewed everything and made certain I understood the time line and the process.

4 years ago

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Bryan Rio Rancho, NM

I just got off the phone with Debbie, and she helped me immensely! She was knowledgeable, put my mind at ease, and also very funny! Thanks so much, Pacific Debt Inc.!

5 years ago

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Heidi Irving, TX

Pacific Debt really didn’t save me much of anything after their 22% fee and the fact that they don’t negotiate with companies for 6+ months. This means the interest and fees continue to accrue and then when it is negotiated it is on that new amount along with their fee. I essentially agreed to pay almost the original debt owed when entering into the program for the majority of my accounts but also now have bad credit! The only good thing is the fact that they make all of the payments to the creditors and you only have one monthly lump autodraft.

5 years ago

Reply from Pacific Debt Inc.

Thank you so much for sharing your review. Just to address a couple of your concerns:

1) When we negotiate with each creditor it is a function of timing or money. We often negotiate earlier than 6 months but that will depend on your delinquency status and ability to save funds. Remember, our goal is to save you as much money as possible. The reality is, that if you are current or close to current on your accounts, the creditors will not approve a significant discount on your account. We understand that the early stages of the program can be nerve racking, but ultimately if you stick with the program and remain patient, you will see the results.

2) With regards to total savings, a 20-30% savings versus your enrolled balance is typical when accounting for our fees. That said, be mindful that most clients are only making at or near the minimum payments when enrolling, which means they are on track to pay 2-3 time what they currently owe. So the true savings is the years of interest you would otherwise pay. Additionally, our fees are 100% contingent upon results. We only earn our fee if you realize a savings and approve the settlements obtained. We also charge flat simple interest, not compounded interest like your creditors.

We hope as you progress through the program you will realize the benefits and savings and we can earn a 5 star review from you in the future.

Nov. 13th, 2019

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Patty Springfield, PA

I worked with Wyatt and he was very professional and also very personable and explained everything so I would understand what we were doing thank you Wyatt

5 years ago

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david l foster Brainard, NE

After initial consultations with Demetrius M I feel much relief. I am finally going to settle all my outstanding debts. I found him understanding, respectful and personable.

5 years ago

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Lyn Mansfield, TX

So far it's good. Mr. R explained everything what should I know first about the company and how they do it. I am hoping that it will turn out good! Looking forward to it!

5 years ago

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Michael Bianco Pompano Beach, FL

Debbie A was great, very professional, friendly and empathetic to my situation and needs. Would definitely refer anyone interested in consolidating in the future.

5 years ago

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Mary Hickerson Ewing, KY

Working with Pacific Debt Inc went very smoothly and quickly,I'm on the right track now.Should of made this decision with Pacific Debt Inc long time ago.

5 years ago

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David Tyler, TX

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

5 years ago

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Jared May Versailles, IN

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

5 years ago

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Jenry Hialeah, FL

I just started the process is been good so far . My consultant is very helpful and very responsive. I asked a hundred questions and he answered them all.

5 years ago

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Dove

I was very surprised, with the quick and warm comforting manner of service that was provided. I am Thankful, and already feel relieved just having discussed my issues and the assistance was superb. Thank you again

5 years ago

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Theresa H Mount Washington, KY

I felt very comfortable with Erin talking about my embarrassing situation. She explained everything in great detail and made me feel good about my decision.

5 years ago

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Zachary Kimmel Liberty, MO

They were great in asking the right questions and listening to what my needs were. They take every variable into consideration and find the right plan for you.

5 years ago

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Carmen Albrecht Reading, PA

Thank you Mr W very a very professional and understanding gentlemen.He guide me through every step of my application and at the end it was a big relief.

5 years ago

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Cody Haverhill, MA

Demetrius, whom I spoke with, was clear, and patient, and answered every question I had. I feel confident entering into this relationship with Pacific Debt.

5 years ago

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Kathy G San Marcos, CA

The person who helped me was incredibly patient and supportive. He answered all my questions and really eased my anxiety about my current financial situation.

5 years ago

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Will Motosicky Palm Coast, FL

Demetrius M was a true professional. He answered all of my questions and made himself available to answer any of my questions that I may have in the future.

5 years ago

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Alice M McCann Cape Coral, FL

Debbie A was a wonderful person and a great help to me on my decision to consolidate my debt. I am just new in the program but I feel that I have made the right choice!

5 years ago

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Deidre

I was referred by a friend for debt relief, the information provided was fast,quick, & easy to understand. I feel better about the decision I made. Thank you Pacific Debt!!!

5 years ago

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Krissie Clifton Park, NY

I was a bit nervous to make the initial call, but so glad I did! Thank you Eva for answering all my questions and for helping get on my way to becoming debt free!

5 years ago

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Camille West Hills, CA

Thank you to Eric who saved me lots of money! I wish I had called him sooner. He was great at explaining all the details. The process was simple and valuable.

5 years ago

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Kerry Delafield, WI

Eric who helped me was excellent to deal with and always very helpful. I would give him 5 stars and the rest of the process 4 stars. He explained things well and was very efficient.

5 years ago

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Brett E. Cocoa, FL

I can only attest to the enrollment process, but they were unparalleled in their patience and transparency. Camille P. is a fantastic representative.

5 years ago

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Lori Boise, ID

I was very hesitant and apprehensive about making this call, but Nicholas put me at ease immediately. The initial process has started out to be very easy.

5 years ago

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Randy Huntingdon, PA

Jeremy has been a great help to me in explaining how this program works, what to expect and made it easy to understand. Thank You Jeremy for all your time and hard work!

5 years ago

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Jerdene Alston Chapel Hill, NC

Thanks to Camille P for helping me, she was very helpful in answering my questions. I know that I am making the right decision. Thanks again Camille.

5 years ago

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Devin Powell Chantilly, VA

Rian was phenomenal!!! I felt empowered around my financial situation and really appreciated the amazing customer service, knowledge, patience throughout the entire process!!

5 years ago

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Lisa Riley Winter Springs, FL

My experience with Camille was very positive. She explained everything in detail so that I totally know what to expect! She was very professional and courteous !

5 years ago

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Richard Solano Moreno Valley, CA

Made it easy to sign up for the program. Told me step by step to understand what I was going to have to do. That's how I wish all customer service was.

5 years ago

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Henry John Schultz Lincoln, NE

Experience has been totally positive. I am very comfortable with the program. Their representative was very professional and forth coming with information.

5 years ago

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vicki North Richland Hills, TX

Wyatt was very helpful and knowledgeable. He was able to find information quickly and set everything up to get me some much needed, and welcome, relief

5 years ago

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Tom r

Excellent guidance provided by Ray C In breaking down the pros and cons of debt relief and how pacific debt could help me renegotiate my debt downward!

5 years ago

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nikki bluestein Oceanside, CA

This was not an easy decision for me to make, but Rian was patient and gave me a lot of information. He was not the first consultant that I spoke with, but I liked his demeanor and he made me feel very comfortable.

5 years ago

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Howard Bland Laveen, AZ

These people are wonderful! They walk you through each process and call and check on you monthly to answer any questions. I 100% recommend Pacific Debt.

5 years ago

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Brenda Taylor Tempe, AZ

Cedric was very informative in explaining process and how it can help me get my debt down. I felt very comfortable and a big help for my expensive. Thank you

5 years ago

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Mark J Greenbackville, VA

New to this but so far it is going well. I am looking forward to being debt free in way shorter time than I otherwise would be. Everyone so far has been very helpful.

5 years ago

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nancy Newburgh, IN

I spoke with Nick and he was very pleasant and understanding of my situation. He was polite, friendly, and helpful. He was very encouraging with set up of paying off my debt in a much shorter period of time. He walked with the me thru the documents and answered my questions patiently.

5 years ago

Reply from Pacific Debt Inc.

Thank you so much for writing your review and we love to hear the great feedback about our team member Nick. We are hopeful that by the end of your program we will have earned a 5 star review.

Feb. 22nd, 2019

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Alex Perez Dallas, TX

I spoke to several companies and it just did not feel comfortable and they was to pushy , now when I spoke to Ryan it felt like speaking to a family member .

5 years ago

Reply from Pacific Debt Inc.

That is great feedback Alex. Rian is a great team member and treats out clients like family. Welcome to PDI Alex.

Feb. 22nd, 2019

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Wright Clayton, NC

The degree of professionalism was outstanding. I felt all my questions were answered and with patience. Eric was patient and very courteous. Great experience!

5 years ago

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Marissa Deerfield Beach, FL

I can’t really give a review as of yet since I just started. But as far as customer service, answering questions and working with my situation so far so good.

5 years ago

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Jackie Danville, KY

My experience with Pacific Debt Inc was wonderful ! Aalyssa was patient with me and took her time to answer my questions and to explain to me about the program.

5 years ago

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Colleen Pringle Modesto, CA

Wyatt was very professional and reassuring at the same time. I have just started the process so I will have to wait to review again once I am further into the program

5 years ago