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Ready to reduce your debt?
Whether you have too much debt or if you simply are looking for advice, there are multiple options available to you to get out of debt. Our specialists are standing by to help resolve your unique situation and get you on a path towards a debt free future.

  • Free Consultation with a Debt Specialist
  • Reduce Your Credit Card Debt!
  • One Low Monthly Program Payment
  • Resolve Debt In As Little As 24-48 Months!
  • No Fees Until You Get Results

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Who We Are

Pacific Debt, Inc. was founded in 2002 in an effort to address the growing tide of unsecured debt in our country. The company’s mission has always been to put the consumer first and make customer service and customer satisfaction our top priority.

What We Do

Our team is committed to providing the highest level of customer service in an effort to have your debts settled as quickly as possible. Some of the benefits of our program include:

  • Significant Reduction of Debt
  • No Upfront Fees
  • One Lower Monthly Payment

What Is Debt Settlement?

Debt Settlement is a debt relief program designed for consumers who are experiencing financial hardship and are seeking an alternative to bankruptcy. Our counselors will discuss your situation and design a plan around your budget to settle your debts in as little as two to four years.

How Our Program Compares

The following costs example is based on a debt amount of $25,000 at 19% interest. The minimum payment $625 (2.5% of balance) assumes that you’re only making the minimum payment. (Reference: Credit Counseling example assumes a debt of $25,000 split equally over 5 accounts with the following creditors: Cap One, Chase, Citi, Bank of America, Wells fargo. Different creditors offer different concessions, so it really will vary based on the creditor mix. Assumes a $25 credit counseling fee in addition to the amortization schedule, but this too may vary based on agency, state, etc.

Minimum Payments

$625/ MO

Credit Counseling

$588/ MO

Pacific Debt's Program

$466/ MO

TestimonialsWhat People Are Saying


“You folks are fantastic. Your professionalism, your service, you are the jackpot of gold at the end of the rainbow. You helped me when things were rough and very unlivable.”

Cathy T.

“My dealings with the Pacific Debt representatives was a most pleasant experience. I started the program in October of 2012, my goal being to pay off all my credit card debt as quickly as possible. With the help of the following people this goal was obtainable: Maria Gomez, Leaha Spronk and Kristin Garcia.”

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