Pacific Debt Inc. Review 2023

Pacific Debt Relief works with clients to settle most types of unsecured debts, including:

You will start by either applying for the Pacific Debt Relief program online or calling 877-959-6945 for a free consultation. Pacific Debt Relief will use a soft credit pull to develop a clearer picture of your financial situation, including types of debt and how much you owe.

If you enroll in the program, you will stop paying specific creditors and start making monthly deposits to a special purpose savings account in your name. Pacific Debt Relief will begin negotiating with creditors, and when you have enough money in your account and a creditor agrees to a settlement, you will pay off that bill. This process can take 24 to 48 months.

Pacific Debt Relief does not charge upfront fees, and service fees range from 15% to 25% based on the amount of your debt and your state. Fees are rolled into your monthly payment and kick in only when you start to see results.

You will need to have at least $10,000 in unsecured debts to work with Pacific Debt Relief. The company cannot help with debts from lawsuits or judgments, IRS debts, auto or government loans, and mortgages or other secured debts.

You will need to have at least $10,000 in unsecured debts and struggle to make the minimum payments to qualify for Pacific Debt Relief’s program. Also, you must live in one of the 36 states where the company operates.

No minimum credit score is required to enroll with Pacific Debt Relief. Note that your credit rating will be affected by the program, however. You can usually expect your credit score to drop.

The company says it “cannot predict with any accuracy how much your score will fluctuate.” But the effect could be significant because accounts enrolled in the program will generally be reported as delinquent until Pacific Debt Relief can obtain a settlement. If maintaining a high credit score is a priority, then debt settlement may not be right for you.

Pacific Debt Relief operates in 36 states and the District of Columbia. Check the Pacific Debt Relief website for the most up-to-date listing of states where the company is licensed to do business.

Pacific Debt Relief has an A+ rating with the Better Business Bureau and an excellent rating of 4.9 out of 5 stars from Trustpilot based on more than 950 customer reviews. Also, Pacific Debt Relief is accredited by the International Association of Professional Debt Arbitrators.

Contact Pacific Debt Relief by phone or email if you need help.

If you haven’t enrolled in the program, call 877-959-6945 from 11 a.m. to 9 p.m. Eastern Time Monday through Thursday or from 11 a.m. to 7:30 p.m. ET on Friday. You can email inquiries@pacificdebt.com.

Pacific Debt Relief clients who need support should call 877-722-3328 during the same days and times. Reach out by email at cs@pacificdebt.com.

You can also contact the company directly online at pacificdebt.com. Navigate to the Company tab and from the drop-down menu, select Contact Pacific Debt. Below the map and on the right side of the page, complete the box titled Send Pacific Debt a Message and then click Send Message.

Use Pacific Debt Relief’s website to:

Pacific Debt Relief has an A+ rating with the Better Business Bureau. TrustPilot gives Pacific Debt Relief an excellent rating of 4.9 out of 5 stars based on about 950 customer reviews. The company says it has settled more than $300 million in debt since 2002.

The company has certified debt specialists on staff who help you create a plan to eliminate debt by settling with creditors. You don’t have to negotiate with lenders. Pacific Debt handles these conversations on your behalf.