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
Or you can visit their site by clicking here.

334 Pacific Debt Inc. Reviews

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  1. User Score

    10

    February 24th, 2017

    Eva made my consolidation so easy. She was very friendly!

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    1

  2. User Score

    10

    February 23rd, 2017

    Eve was great. I felt comfortable with her and she quickly put me at ease. Everything was organized and painless.
    I actually found this company after initially looking into debt relief at a different company. But after researching I discovered Pacific Debt had the best reviews. The reviews I read were amazingly accurate and I’m glad I chose Pacific Debt.

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    1

  3. User Score

    10

    February 23rd, 2017

    Mr D when I called and spoke with him,Was absolutely amazing.took time listening to me and listening to my needs.explained the program wonderful.hebis amazing.A great person,human being too.made me feel extremely comfortable and at ease.Dustin is an absolute asset to your company.you are doing lucky to have him on your team

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  4. User Score

    10

    February 23rd, 2017

    Luis B and the team at Pacific Debt helped me CRUSH debt and set me up for tons of future success!! Best debt settlement company around!

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    1

  5. User Score

    10

    February 22nd, 2017 Rio Rancho, NM

    NICHOLAS HOWES WAS VERY CARING TO OUR NEEDS AT THIS TIME, WITH ALL THAT’S GOING ON I WISH I WOULD HAVE CALLED MONTHS AGO, THANKS NICK FOR YOUR CONCERN FOR NOT ONLY OUR MEDICAL PROBLEMS BUT OUR FINANCIAL HEALTH AS WELL. LOOK FORWARD TO WORKING WITH YOU TO GET OUR DEBTS PAID.

    THANKS,
    KAREN POWERS

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  6. User Score

    10

    February 21st, 2017 Pomona, CA

    Nicole C has been sooooooo nice and explains everything that is going on with my accounts. If I need to get in touch with her, she normally returns my call that very same day. thank you, Nina

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    2

  7. User Score

    10

    February 21st, 2017 San Diego, CA

    So far I am taking the first step to take action on getting my credit card bills resolved. Thank you Nicholas for all your help!

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    1

  8. User Score

    10

    February 21st, 2017 Phoenix, AZ

    My account manager Luis B is always polite, pleasant and professional when he calls to update me with my account status. Also, it has been moving along so far without any problems.

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    1

  9. User Score

    10

    February 20th, 2017 Cedar Rapids, IA

    My experience with Kimberly B from Pacific Debt has been great. She has been very helpful, professional and has provided me with some great settlement offers saving me thousands of dollars. Anyone fortunate enough to get her as their account manager will not be disappointed. This company in general deserves a 5 star rating.

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  10. User Score

    10

    February 18th, 2017 Pomona, CA

    I would have to say my experience with pacific debt is great!!
    Carly G is great, she was up to date with everything, she was also able to make arrangements with payments that were rough for me at the time.
    She would always notify me when she got a settlement offer, I have one credit card left to becoming debt free!!
    This is a good company who can help and I’m thankful I researched use the time things started to become a struggle.

    Thank you for all your help!

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    2

  11. User Score

    10

    February 17th, 2017

    Super outstanding service. My Rep Josh H is very profesional, supportive and patient. They really work hard to make the process easy on you. I am so happy I made the right decision choosing Pacific Debt and working with Josh.

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    1

  12. User Score

    10

    February 16th, 2017 Mountain Home, AR

    My Account Manager, Tina has been great to me! I never have to worry about what’s going on cuz I know she’s on top of everything! She makes debt consolidation so easy! Big ups to all the people who also helped before my transition into negotiations with the creditors! I would recommend PD to anyone!!

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  13. User Score

    10

    February 11th, 2017

    Alicia was fantastic. She put my mind at ease. She answered all of my questions, thourghly and professionally. I look forward to working with her more.

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  14. User Score

    10

    February 9th, 2017

    I love this company-they were patient and courteous. They help me through a rough time and I am forever grateful to them.

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  15. User Score

    10

    February 9th, 2017 Waddell, AZ

    Rian and Ray were great in answering all questions and concerns regarding the debt consolidation and relief process. From my experience so far, Pacific Debt seems to be a top-notch company which seems to genuinely care that its clients get great service and are well-informed throughout the entire process.

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  16. User Score

    10

    February 7th, 2017

    Pacific Debt made a difficult process much easier taking away stress and allowing us to live our lives and focus on our family, all while settling our debt. I cannot praise Nicole Chennele enough for her professionalism and her knowledge. We are lucky to have found pacific debt and Nicole and are infinitely satisfied with the results.

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  17. User Score

    10

    February 7th, 2017

    Had my consultation with Micheal B. Found him to be very helpful and forthcoming as far as assisting me with my current financial situation. Would recommend he and his team to anyone needing these services.

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    1

  18. User Score

    10

    February 6th, 2017 Ormond Beach, FL

    Eva was extremely knowledgeable and made the process very simple. She was efficient and easy to talk to. Pacific Debt takes the pain out of debt consolidation! I would definitely recommend them for anyone seeking this type of help.

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    1

  19. User Score

    10

    February 6th, 2017

    Thank you !! This will make our lives much easer. I’m glad we found your company.

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    1

  20. User Score

    10

    February 3rd, 2017

    Great customer service. Michael is very nice and helpful. I plan on being debt free in less than 2 years.

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    1