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
  • 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
Or you can visit their site by clicking here.

259 Pacific Debt Inc. Reviews

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  1. User Score

    8

    January 19th, 2017 FL

    Experience has been great thus far. My Account manager Luis Bello has been extremely informative and has given me updates throughout the entire time. Thank you!

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    1

  2. User Score

    9

    January 18th, 2017

    Anthony was extremely helpful with setting up a debt repayment schedule for my credit cards. He was very patient and answered all my questions in a direct and easy to follow manner. Hopefully, the program will satisfy my expectations and provide a great relief from a difficult situation.

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    1

  3. User Score

    10

    January 18th, 2017 Edgewood, NM

    I feel that I was definitely helped with no hidden clauses. The person spoke clear and to the point. I have listened to other debt agents that left me second guessing whether or not to join. But with this agent, I felt secure.

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  4. User Score

    10

    January 17th, 2017

    Armando is the best, he has helped to alleviate my debt sooner than expected which doesn’t seem like long ago. Very friendly, helpful, and willing to go beyond the call of duty to help. He truly is the best and I would recommend him to anyone. Pacific Debt is a wonderful company that I would recommend to anyone whose looking to consolidate their debt and settle it. I love the friendly hospitality services I have received, i do not wish to accrual anymore debt but if I did Pacific Debt and Armando wiil definitely be my company of choice.

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  5. User Score

    10

    January 17th, 2017 Minneapolis, MN

    I was first in contact with Nick who set up my account, and then eventually assigned to Tina to manage my account. Besides the professional courtesy I feel that both parties have been extremely respectful in a personal way and appreciate the service thus far received. No one wishes to be in this situation but sometimes here we are. If I have to trust anyone on my issues I am glad it is this group and particularly these two.

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  6. User Score

    10

    January 17th, 2017 Inverness, FL

    Everything went smooth and I was happy to see my biggest debit was taken care of thanks

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  7. User Score

    10

    January 17th, 2017

    NIck did a fantastic job! He was very kind and thorough, and made me feel at ease through this at times stressful process! He made me feel confident in the goals we set and I appreciate his kindness and professionalism!

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  8. User Score

    9

    January 14th, 2017 Pinckney, MI

    Beth was very helpful and understanding. She made it clear how their there to help

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  9. User Score

    10

    January 13th, 2017 Albert Lea, MN

    I have been with Pacific Debt for not even 6 months and Ellen has already settled two accounts for me saving me almost 10K. This is totally unexpected and awesome……. I figured it would be this summer before the first account would have a settlement but Ellen worked her magic and boom debt destroyed. I so look forward to what the rest of the year holds for me, working with Pacific Debt and Ellen.
    I can not thank you enough. 10 stars!!!!!!!!!!!!!

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  10. User Score

    9

    January 13th, 2017 Decatur, GA

    On my way to to be debt free in a little over a year, all with the help of Pacific debt.

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  11. User Score

    10

    January 12th, 2017 Garden Grove, CA

    I just want to take a moment and thank Quiana and the entire staff at Pacific Debt. When I began this journey, 3 years ago, after my divorce I was scared and spent many restless tearful nights wondering how I was going to move forward. Staff members were very professional, attentive, and compassionate throughout the process. From the very first phone call I knew I made the right choice. It was as if a heavy weight had been lifted off my shoulders. I am now happy to say, I’m able to enter a new phase in life a happily remarried debt free person. Thank you again for everything you’ve done.

    Kindest Regards,
    Becca

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  12. User Score

    10

    January 11th, 2017 Kamas, UT

    Josh was the best. Kept me very well informed and did a great job. Thanks for all your patience Josh

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  13. User Score

    10

    January 11th, 2017

    I was skeptical at first but Pacific Debt made me feel comfortable and confident about letting them help me handle my debt. My account manager Ellen is incredible, easy to contact, she takes her time explaining any questions that you might have and she will definitely try to get you the best deals possible. So far I have saved $3894.89 and i am one step closer to being debt free.

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  14. User Score

    8

    January 10th, 2017

    Very helpful, courteous, and polite. Also was not too pushy which I appreciated.

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    1

  15. User Score

    9

    January 10th, 2017 Southwest Brevard Cnty, FL

    After drowning in debt I can say that this seems like a life line.

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  16. User Score

    10

    January 10th, 2017 Munising, MI

    Eva was a great help, very knowledgable and very thorough with the process of debt settlement

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  17. User Score

    10

    January 10th, 2017

    Very helpful and explained everything in a lot of detail which made me feel much more at ease

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  18. User Score

    10

    January 10th, 2017

    profeesional customer service, very sastify with the services that the company offered. Thankyou so much.

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  19. User Score

    8

    January 9th, 2017 Claremore, OK

    Angelana, was very helpful and friendly. Did a great job at explaining how this works.

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  20. User Score

    10

    January 9th, 2017

    She was a great help in a very difficult time. I would refer anyone to u guys

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