Pacific Debt Inc. has been in the debt settlement industry since 2002. The company holds the major industry accreditations with the American Fair Credit Counsel (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

In addition to experience and accreditations, Pacific Debt takes the #2 spot on our list of Debt Settlement companies because they offer their services at one of the lowest prices in the industry. Pacific Debt’s pricing ranges from 15 to 25 percent of the total debt you enroll. The major downside to Pacific Debt is that their services may not be available in your state.

The Good

  • Personal account manager
  • Low cost (15 to 25 percent of total debt)
  • Has all major accreditations (IAPDA, AFCC)

High Savings, Low Cost

On its website, Pacific Debt boasts how much they have reduced individual debt by – and it is impressive. In most cases, the company is able to reduce your debt by 20 to 50 percent – a significant amount in this industry. Not only can Pacific Debt reduce the amount you’ll pay on each of your unsecured debts, but they have low costs. To work with Pacific Debt, you will pay the company 15 to 25 percent of your total debt. On average, most of the companies we have reviewed charge an average of 21 to 24 percent.

Industry Accreditations

According to consumers, one of the most important things a debt settlement company can offer are accreditations. Pacific Debt is accredited with the AFCC, and the IAPDA. Being an accredited member of the AFCC means Pacific Debt submits their website for auditing each year. The AFCC makes sure their accredited members conform to industry standards and protect consumers.

Positive Customer Reviews

The most common review we see of Pacific Debt is that company representatives know what they are talking about when consumers call, and they keep consumers informed throughout the entire settlement process. Many clients also praise Pacific Debt for early settlements.

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The Bad

  • Only available in 29 states
  • Must have $7,500 of debt to begin

Service Limited to Certain States

While there are amazing perks to using Pacific Debt, unfortunately, they are not available to everyone. Pacific Debt only offers its service in 29 states. This leaves just under half of the U.S. unable to take advantage of Pacific Debt’s low cost, industry experience, and customer service. Many debt settlement companies are available in 40 or more states.

Minimum Debt Standard

To work with Pacific Debt, you must have the company settle a minimum of $7,500 for you. Even though this amount is fine for most people, those with less debt will have to look elsewhere for debt relief. Most companies have a minimum debt cut of ranging anywhere from $7.5k to $10k, but there are a few companies in the industry without a minimum debt requirement.

Negative Customer Reviews

Negative reviews of Pacific Debt are more difficult to come by than positive ones, but some clients have complained of being passed around between account managers. A couple reviewers mentioned they wish Pacific Debt could have settled their debts for less.

The Bottom Line

If you find yourself in more than $7,500 in debt, and live in one of the 29 states the company works in, we recommend using Pacific Debt. The company is held to high industry standards (they are members of all four major accreditation organizations), and they have a proven track record of settling debts for much less than what is owed.

Frequently Asked Questions

How Much Does Pacific Debt Cost?

Pacific Debt charges 15 to 25 percent of the debt enrolled (average of 17 to 20 percent).

Can I Get A Free Consultation?

You can receive a free consultation either by calling the toll-free number or filling out the contact form located on the homepage of the website. A debt professional will be able to assess your unique situation to determine if you qualify for service. You will also get the opportunity to get your questions answered by a financial expert even if you do not qualify.

What Types of Debt Does Pacific Debt Work With?

The company handles most unsecured debts such as retail debt and personal loans. There are certain unsecured debts such as payday loans and legal judgments that may not qualify.

What Is the Minimum Debt Amount I Can Sign Up With?

You must have at least $7,500 of unsecured debt to qualify.

More Information

About Pacific Debt Inc.

As consumer debt began to increase in the early 2000s, Pacific Debt was founded by Kevin Landie in 2002 to help Americans effectively manage their debt. What sets Pacific Debt apart from many of its competitors is its high level of customer service. The company will personalize your experience throughout its programs so that you can feel secure in trusting the company with managing your debt.

Price

15 to 25 percent of the debt enrolled (average of 17 to 20 percent).

Account Set-Up

  • Free consultation: Yes; free consultation with a debt specialist
  • Personal consultant during the settlement: Yes

Accreditations

  • AFCC accredited: Yes
  • IAPDA accredited: Yes

Time in Business

Founded in 2002

Minimum Debt Requirement

Must have $7,500 in debt to begin working with Pacific Debt Relief

Available States

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • DC
  • Florida
  • Hawaii
  • Idaho
  • Indiana
  • Iowa
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • South Dakota
  • Texas
  • Utah
  • Virginia

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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Call our recommended rep over at Pacific Debt Inc. below.

1-(855) 790-7452
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369 Pacific Debt Inc. Reviews

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  1. User Score

    10

    March 22nd, 2017

    As bankruptcy was not an option for me I began searching the web for a settlement company that was the right fit for me. Pacific Debt had very good reviews and a great Better Business Bureau rating. Even better for me, they were local. Right from the start everyone was courteous, professional and answered all of my questions. My account manager Carly is in frequent contact with me, keeps me appraised of every step of the process and has saved me over $5,500 so far with the accounts that have been settled. I am on track to settle all of my credit card debt in far less time and for far less money than I would have without using the services of Pacific Debt.

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  2. User Score

    10

    March 22nd, 2017 Lowell, MA Edited

    Okay I’m writing this review because I want who ever is in need of a debt consolidation company . So far this is the company to go to compare to National Debt Relief! National Debt Relief is the worst company you can go too. I had a bad experience with them and from the start of all those bad reviews on the BBB site should have been a warning sign. But of course I didn’t listen to my gut! Well long story short I told the Rep ( Ashley H. Awesome enrollment Rep!) my situation with NDR and how uneasy I felt with them! She told me on the initial enrollment that pacific debt has many clients from NDR and I should rest assure this company gives you a personal manager that handles your case and that person will be with you throughout the whole process while your in the program . This was one of the major point that made me feel better when she mentioned this on the phone. NDR was the worst when I enrolled on the phone the Rep was so attentive and friendly until he got me and I got dropped like a hot potato and forgotten! The rep for Pacific Debt was so nice compassionate and very helpful ,made me feel at ease. I called her several times back and always return my emails or calls . I’ve only joined the program two days ago . Now I’m awaiting for an account manager to contact me which will be handling my account. I also got a letter today letting me know this and so far so good . I feel so much better with this company and hopefully my gut feeling is guiding me the right way this time. I will follow up with another review in a few months to comment how Pacific Debt is doing with their services. I gave them a try so far so good . It’s so overwhelming when you need help with your debts and there is so many Debt consolidation programs out there that you have no clue if their good or not ! You put your life in their hands which is very scary but I have confidence Pacific Debt will be great ! I also want to say Pacific Debt had only three negative reviews compared to National Debt Relief who had 89 nagative reviews or more on their sites!

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  3. User Score

    10

    March 21st, 2017

    I highly recommend Pacific Debt. They are an outstanding company with exceptional customer service. They make everything so easy. My representative Josh H is amazing he is always extremely helpful and keeps in touch regularly to let me know how things are progressing. I have had a very very positive experience with Pacific Debt

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  4. User Score

    10

    March 21st, 2017 Altoona, PA

    Anthony and Eric were wonderful to work with. I really appreciate their help.

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  5. User Score

    10

    March 21st, 2017

    Michael B clearly communicated my options, resources, and steps to enroll in my debt relief program. He listened carefully to my concerns and needs, and answered my questions with facts, alerting me on what to expect in the process. He talked me through the documents and signing, explaining each step. I was given the information I need going forward into a debt-free future.

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  6. User Score

    10

    March 20th, 2017

    To be honest, I was very nervous about taking the first steps for debt relief. Being young and not being to make more than my minimum payments though, was enough to make me start looking. I almost signed on with ClearOne Advantage until I kept hearing about people getting sued! So glad I was able to find Pacific Debt. I had Rian and Eric to assist me through the whole process and I fee very confident about starting the program.

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  7. User Score

    10

    March 18th, 2017

    The team, didnt matter who i spoke to, has been knowledgeable, helpful and patient with me. They follow up and keep me up to date with the status of my case and i feel confident that you will help resolve my debt. I would definitely recommend this company to anyone who needs these services. Thank you!

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  8. User Score

    10

    March 18th, 2017

    I have only spoken to the enrollment person, but throughout the process, he was patient, compassionate, informative, and answered all my questions with language I could understand. Thank-you Mr. C!

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  9. User Score

    10

    March 17th, 2017 Adrian, MI

    Jeremy S is very helpful and extremely knowledgeable. He is always accessible & is very timely in getting back with me to answer my questions. I’m just getting started with Pacific Debt but after dealing Jeremy, I’m very comfortable with my decision choosing them to help me through this journey.

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  10. User Score

    10

    March 16th, 2017 New York, NY

    Thank You for all your patience and time you gave …..I appreciate all the work you did…I will definitely recommend you to who ever needs any Debt help……once again Thank You sooo much….

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    1

  11. User Score

    10

    March 13th, 2017 Pasadena, CA

    Ray C was extremely helpful in explaining the services and giving me a couple options for how to go about getting my debt paid off.

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    1

  12. User Score

    10

    March 13th, 2017 Pittsburgh, PA

    Client Care Department was wonderful to communicate with and really gave you the step by step process. Always there for you when you had questions. Very knowledgeable!

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    1

  13. User Score

    10

    March 10th, 2017 San Marcos, CA

    Jeremy provided good and swift customer service. The program was explained well and it wasn’t a hassle to get enrolled. I hated that I found myself in the position of needing their help, but I feel confident that they will help me!

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    1

  14. User Score

    10

    March 10th, 2017 Pinellas Park, FL

    ANTHONY TREATED ME WITH COURTESY AND MADE ME FEEL COMFORTABLE WITH A HARD DECISION. SET UP AN AFFORDABLE PROGRAM FOR ME AND PUT MY MIND AT EASE. MADE A TERRIBLE FINANCIAL SITUATION INTO SOMETHING BEARABLE. I WILL NOW BE ABLE TO GET OUT OF MY HIGH DEBT WITH NO END IN SIGHT SITUATION.THANKS ANTHONY!

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  15. User Score

    10

    March 9th, 2017 Tampa, FL

    The Pacific Debt Team was a pleasure to work with. Luis was always easily reached via phone or email, and he negotiated great settlements with my creditors on my behalf.

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    1

  16. User Score

    10

    March 9th, 2017

    I recently had a review of my debt program, I am happy with the results up to this point, only in 4 months. I expect to receive the help and direction that I need to be successful with the program.

    Thank you, Mark Wagner

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    1

  17. User Score

    10

    March 8th, 2017 Ardmore, PA

    Nicholas and Eric were great in getting me started and out of debt..a mixture of knowledge, guidance, compassion and expertise! Very happy I chose these company to help out of CC debt.

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    1

  18. User Score

    9

    March 8th, 2017

    Both Heather and Ray were outstanding in representing this company. Made the move very easy and informative. We look forward to the end result.

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    1

  19. User Score

    10

    March 8th, 2017 Woodmere, NY

    The Sales team was experienced and answered my questions. I did my due diligence and felt comfortable dealing with Pacific Debt Inc. over National Debt Relief on purely outstanding reviews. The few negatives seemed to be client generated problems not the fault of PDI. I will update my review periodically throughout my process.

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  20. User Score

    10

    March 8th, 2017 Brandon, FL

    Armando has been awesome through this process! Helped me quite a bit & kept me updated very well on my account.

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