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 27 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 27 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 27 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
Or you can visit their site by clicking here.

391 Pacific Debt Inc. Reviews

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  1. User Score

    10

    April 25th, 2017

    I’ve been working with Carly for over a year now getting debts paid. I was apprehensive to sign on with PD at first. But the experience has been very good. Carly is the best she has helped me to pay off debts that I never thought I could get resolved. I feel so much relieve and I can see there is an end to having any debt. And becoming debt free. Carly has always had my back, been supportive, kept me informed of everything, I have my own personal accountant to rely on. I would recommend the program to anyone. And ask for Carly she is the best!! Thank you Carly & Pacifc Debt!

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  2. User Score

    6

    April 24th, 2017 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.

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  3. User Score

    10

    April 18th, 2017

    In the program for a short period of time and have already saved more than $26K. Carly has been absolutely great to work with. She communicates status and is always willing to take time to explain anything that we do not understand. I can’t say enough about the positive experience we are having with Pacific. Thanks…

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    1

  4. User Score

    10

    April 18th, 2017

    Very friendly and professional. Also very patient as I tend to repeat things at 65.

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  5. User Score

    10

    April 17th, 2017 Norfolk, VA

    I was speaking with my Aunt and told her about my debt situation and she told be about this company. I called and I was pleasantly surprised with the professional customer service I received and how well informed the agent was. I am happy to be in this program and today I am stress FREE!!!!

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  6. User Score

    10

    April 14th, 2017 Austin, TX

    I’m so happy with Pacific Debt. It was easy to enroll. Their service is outstanding. My account manager Carly is phenomenal. She has been able to settle my debts at forty percent of their balance, way less than I expected! I thought it would takes years to start settling my substantial debt. Carly has already taken care of my largest! I’m blown away. I highly recommend Pacific Debt to help settle your debts for far less than you owe. I’m so glad I took the step. A huge burden has been lifted.

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  7. User Score

    10

    April 14th, 2017

    Very professional company. They work very hard and they know what they are doing.

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  8. User Score

    10

    April 14th, 2017 Pasadena, CA

    I am really pleased so far with my experience with Pacific Debt. They have gone above and beyond to be kind, courteous, and respectful. They came through just like they said they would and in a timely manner. It was such an easier process then I expected too and I am so grateful that they were there. I feel very empowered knowing that I will be out of debt soon and that I saved money, time, and stress doing so. They really did a great job of settling my accounts for so much less then what I owed and I was so relieved.

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  9. User Score

    10

    April 14th, 2017

    Very helpful and encouraging! Knowledgeable about procedures- explained everything clearly. Glad I called.

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  10. User Score

    10

    April 10th, 2017 TX

    Eva L was very courteous and assisted me in a timely manner in getting my situation taken care of

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  11. User Score

    10

    April 10th, 2017 Auburn, NY

    Went from scared and confused to confident and prepared to get past all of our debt hurdles with PDI by our side! I was really taken back by the level of customer service and knowledge of every staff member I spoke with – especially my first responder to my credit accident scene, Eva. She helped me understand all the how’s and why’s to quickly build us a program and activate it only after we were comfortable and ready.

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  12. User Score

    10

    April 5th, 2017 Salt Lake City, UT

    Eva L was excellent at her job, she did a fantastic job helping me tremendously with a major problem. Thank you so much for your rapid response in understanding my needs.

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  13. User Score

    10

    April 5th, 2017

    Ashley H was the greatest, very thurough and professional, you get a big hug from me for your helpfulness!

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  14. User Score

    10

    April 4th, 2017

    The customer care department has been very helpful answer and helping with all my questions.

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    1

  15. User Score

    8

    April 3rd, 2017

    Really liked not having to deal with anything much other than phone calls letting me know they had settled my accts.
    Friendly, helpful and always put my mind at ease.
    So glad they were here when I needed them. It was scary and stressful being out of work and overloaded with debt and PD took care of me along the way.
    Thank you

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  16. User Score

    10

    March 30th, 2017 Panama City, FL

    A very easy to work with company Kimberly B is super nice and quick to respond I’m a busy person so it’s hard to reach me through calls but she’s so easy to communicate with through emails which is so much easier for me to respond to , looking forward to working with her in the road ahead.

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    1

  17. User Score

    10

    March 30th, 2017 San Luis Obispo, CA

    Great friendly fast service. Highly recommend to anyone, in need. I did not feel embarrassed thru this process, I felt relief during the whole process.

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    1

  18. User Score

    10

    March 29th, 2017

    Nick was great, reassuring and explained everything to me. He set my mind at ease and I feel like I can finally breathe.

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    1

  19. User Score

    10

    March 29th, 2017

    Ms Heather S from Pacific Debt Inc. contacted me to go over the program terms. She was very knowledgeable and understanding of my concerns. She answered all my questions and encouraged me to contact them In the future. She made me feel a valued customer.

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  20. User Score

    10

    March 27th, 2017 Homestead, FL

    Carly Greer has been amazing, super responsive and always gets back to me right away. I’m glad I made the decision of going with Pacific Debt – primarily because of Carly!

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    1