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 28 states
  • Must have $10,000 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 28 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 $10,000 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 $10,000 in debt, and live in one of the 28 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 $10,000 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 $10,000 in debt to begin working with Pacific Debt Relief

Available States

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • DC
  • Florida
  • Hawaii
  • Idaho
  • Indiana
  • Iowa
  • Louisianna
  • 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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169 Pacific Debt Inc. Reviews

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  1. User Score

    10

    December 5th, 2016 Bethel Park, PA

    From the moment we answered the call from Alicia H, we were assured that we were doing the right thing. We were made feel comfortable and all the anxiety of the position we were in and the direction we were going was completely put to rest. It is not easy reaching out for help and putting your life into the hands of a company that you don’t know that much about except for checks online and reading reviews on our behalf, but these guys really do know what they are doing and are very professional.
    So far I can say I would highly recommend Pacific Debt to anyone who find themselves in a position of hardship with good or bad credit and who wants to take responsibility for their accounts and do the right thing.

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  2. User Score

    10

    December 3rd, 2016 Albany, NY

    My representative at Pacific Debt is always willing to help me with any issues that arise. He has also done a remarkable job reducing my debt.

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  3. User Score

    7

    December 3rd, 2016 Saint Joseph, MO

    They are very good on calling when they say they will. Informative on agreements.

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  4. User Score

    10

    December 2nd, 2016

    Superior customer service!! Thank you so much.

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  5. User Score

    10

    December 2nd, 2016 Lewisville, NC

    They were great to work with. Very patient.

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  6. User Score

    10

    December 2nd, 2016

    Eva was fantastic. It’s an uncomfortable topic to talk about and Eva was understanding and helpful and encouraging through it all. I really appreciate the quick and easy process to get started and just how supportive she was. Thank you!

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  7. User Score

    10

    December 2nd, 2016

    Alicia was very patient and polite. She answered all questions thoroughly.

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  8. User Score

    10

    December 2nd, 2016

    Eva was quick, efficient and get me in the program in timely manner. She has an excellent customer service skills. Knowledgeable of the products and keeping me less worry. Hope to continue working with her to achieve my goal!

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  9. User Score

    10

    December 1st, 2016 Belle Mead, NJ

    I am currently under going chemo treatment and was getting to the point that i was feeling hopeless. Carly from Pacific Debt really made a huge difference in helping me get the best settlement for my debts. She made the process easy and she listen’s which is the best quality coming from clients like me. Thank you Carly

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  10. User Score

    10

    November 30th, 2016 Mount Pleasant, IA

    GREAT SERVICE AND THEY DELIVER ON THERE PROMISE

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  11. User Score

    10

    November 28th, 2016 Orlando, FL

    All the pertinent information required for my case was explained to me in a simple manner and the representative made himself available for any and all questions thereafter. He also followed up with me to make sure I was on track in the program and that makes me feel like a valued customer.

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  12. User Score

    7

    November 23rd, 2016 New York, NY

    Very good customer service very informative and great in explaining the process

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  13. User Score

    10

    November 22nd, 2016 Fort Myers, FL

    Debt Consolidation consult. Eva was very friendly and polite. She was able to answer all questions asked within a timely manner.

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  14. User Score

    8

    November 18th, 2016 Summerfield, FL

    My experience was very helpful as we wished to have a little extra funds to do some things in life we have missed . as it has been just a short time from joining the plan we do not ,at this time, know if it is going to work for us…The help that we received from the staff at Pacific Debt at this point has been excellent.

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  15. User Score

    9

    November 15th, 2016

    I will say that that the agent assisting me was very patient and professional. He took the time to address all of my questions and concerns with regards to the program which gave me a piece of mind during this stressful ordeal.

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  16. User Score

    7

    November 14th, 2016 Brooklyn, NY

    Ashley Hudson was a great Customer Service Rep for Pacific Debt. She understood my financial problems and advised me clearly of what my next steps would be. It is an uncomfortable feeling not to pay my creditors for the next few months but knowing I will be free of them in the future is a great feeling.

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  17. User Score

    9

    November 11th, 2016

    Pacific Debt has been very professional, helpful, and has good communication in regards to all of my questions and concerns. I appreciate their help in navigating me through and getting me entered into the program. It was a very difficult personal decision, but it was better than the alternative and was the solution to help with my current financial situation during this negative economic flux. I look forward to continue working with them and completing yet another review upon reaching financial resolution. I strongly recommend researching companies out there and learning as much as possible in order to answer all of your questions. I hope you will find Pacific Debt is one of the better rated and accredited choices out there, where several others had higher priced rates and monthly payments making it hard to streamline and overcome debt.

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  18. User Score

    10

    November 11th, 2016 Irving, TX

    I appreciate Ashley H when I called to get some help on my credit card debt. She was very helpful and treated me respectfully.

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  19. User Score

    10

    November 11th, 2016

    Ashley H helped me and she was extremely nice and sincere. She explained everything very well! I had a great experience!

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  20. User Score

    5

    November 10th, 2016 San Diego, CA

    I am Not done yet with the settlements but I I will let you afterwards. So far it is taking longer to complete than what was quoted it would take to complete

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