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.

403 Pacific Debt Inc. Reviews

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  1. User Score

    8

    May 24th, 2017

    My experience with PDI since I enrolled has been up and down but Kimberly B has been great all through out. She has been patient with me when I stress out with my debts. She always made sure she’s always there to reassure me when I have doubts about the program. To date she has settled majority of my largest debts. I still have 9 more credits/debts to go but I am confident that Kim will be able to settle these sooner than later. I am grateful!

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  2. User Score

    10

    May 22nd, 2017

    Anthony L is my representative. I started with a call to Pacific Debt this morning and I have a huge burden lifted from my shoulders tonight. I really thought I was doing the right thing in handling my situation myself, but I now see I was wrong. Very professional and compassionate company so far. Thanks Anthony

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  3. User Score

    10

    May 15th, 2017 NY

    Ryan is a great customer rep. He made me feel very comfortable with the whole process. He made me feel very confident with my decision to take this next step.

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  4. User Score

    8

    May 13th, 2017

    So far I have been very pleased with the courteous and prompt way I have been contacted. Every time I scan information to them, I get an immediate confirmation that they have received it. If I have a question, I can call someone and get an answer.

    We look forward to the time when our debts will be paid off and also look forward to having an Accounts Manager contact us in due course.

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  5. User Score

    10

    May 10th, 2017 Gretna, LA

    I jouned the program 7/28/14. At the time I had credit card debt totaling $24,000 and I was literally drowning. i was only able to make minimum payments on these accounts so of course the balances were going nowhere. I was at my wits end when one day I received an e-mail from Pacific Debt Inc stating they could help me get out of this mountain of debt. I was skeptical but decided to give them a call anyway.that was the best decision that I made. I even considered filing Bankrupucty but I really didn’t want to go that route. When I called I was assigned to two great Account Managers Quiana M and Kimberly B. Those ladies were great.They keep me informed of the progress they werre making on my accounts and I’m happy to say as of 5/9/17 I’m debt free.From this very grateful client thank you Ladies for all your hard work.

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    3

  6. User Score

    10

    May 10th, 2017 New York, NY Edited

    I’m just getting started with Pacific Debt and I’m feeling confident that I’ve made the right choice…and I felt comfortable speaking with Nicholas H.

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  7. User Score

    10

    May 5th, 2017 Marshall, NC

    Service was great, they explained everything to where it was easy to understand. I am very happy with the service I received and Bethanie was very helpful and nice. I would recommend Pacific Debt to everyone. B. Plemmons

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  8. User Score

    10

    May 2nd, 2017

    Josh was awesome he always communicated with me and answered my questions fast and in a timely manner the best experience ever .

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  9. User Score

    10

    May 2nd, 2017

    Heather at Pacific Debt was wondrrful to work with – knowledgeable, considerate, understanding. I’m confident that my debt will be eliminated and the stress of the situation will be removed. Pacific Debt is making this process a much easier one with exceptional customer service; catering to the clients needs.

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  10. User Score

    10

    April 27th, 2017

    Very happy with what they gave done for me so far and continue to do, It will take some time, but I feel that they have gotten me on the right path.

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  11. User Score

    10

    April 25th, 2017 Cabot, AR

    Awsome service! Thank you for everything! I appreciate your business! C.Evans

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  12. User Score

    10

    April 25th, 2017 Buffalo, NY

    Pacific Debt has been awesome in helping me become debt free. Everyone I have spoken with since the beginning has been very open and friendly. They take the time to explain everything in detail. They make you feel like you are important, and they are going to help you with your situation. They keep in contact, and you are able to reach out to them at anytime. I would strongly recommend PDI to anyone who is thinking about reducing their debt.

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  13. 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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  14. 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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    1 1

  15. 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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    2

  16. 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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  17. 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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  18. 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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  19. User Score

    10

    April 14th, 2017

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

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  20. 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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