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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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Worried about credit card debt and wondering what your options are?

Don’t worry – you’re definitely not alone in this fight. According to a 2015 study by NerdWallet, the average household has $130,922 in debt — with $15,762 of it coming from just credit cards.With rising interest rates and stagnant wages, American consumers can likely expect to see more of the same over the next few years. With our Federal Reserve poised to raise interest rates even further in the months ahead, the situation facing many American families may turn even more dire.

In our experience, we tend to notice more and more people calling when their situation becomes so overwhelmingly stressful that “normal” daily life isn’t possible anymore. Most of us have experienced the scenario at some point: bills keep coming in, there isn’t enough money to pay them, and we’re stuck trying to figure out how to fulfill all of our obligations to our families and employers. Let’s be honest – it’s not fun, and there is a reason some people refer to debt as the other four letter word.

There have been many studies about the psychological and emotional effects of debt on an individual and a household… and no surprise here, but none of them are good. We can expect to experience: depression, anxiety, resentment, denial, anger, regret, shame, embarrassment, and fear.

Don’t worry, that’s why Pacific Debt Inc. – San Diego based Top debt consolidation and debt relief company is here and we’re going to strive to be your advocate and win the battle against debt.

We are a top-rated debt relief company based out of San Diego

First thing’s first: even though our offices are in San Diego, CA, we’ve spent the last 14 years helping our clients throughout the United States consolidate and significantly reduce their debt.

That’s enough about us for now. Let’s talk about why you might be here.

Trying to get a debt consolidation loan?

Debt consolidation loans are good idea if you’re able to qualify for them, but for the majority of Americans, they tend to be just out of reach. Here’s an example of a story we hear multiple times a day:

I have a good job with proof of income and I’m trying to make a smart decision to get myself out of debt and the idea of paying off all of my cards at once then making one lower payment with a much lower APR makes sense. I approached my local bank and thought that being that I’ve been a valued client for quite a few years now, it’s their job to help me out. I apply for my loan, they make wait for a bit to pull credit and verify my income… I’m rejected. What gives?
What most banks don’t tell you is that you typically need a FICO score in the 700’s (750+ is standard) to get approved for an unsecured loan and they don’t care about how loyal or decent of a person you are. You’ve most likely already overextended yourself and are seen as being too risky.

You’ve surely seen ads now all over the internet with crowdfunded loans that take the quality of a person, education level or business plan (like Shark Tank) into consideration. At the end of the day, most of these businesses will only invest in you if you’re guaranteed return for them. In short, if you’re considered to be even the slightest bit risky, you’re most likely not going to be approved or they are going to stick with an interest rate that rivals that of your current credit cards.

Is not being approved for a debt consolidation loan a bad thing?

In most cases, being denied a new loan is going to be in your best interest. When you look at the numbers after paying the new loan origination fee and actual overall cost of the loan, you’ll probably have some regret. If you were approved, you’re only solving one problem with another problem. For more information, read the guide we wrote on debt consolidation loans as well as learn more about some of the dangers of new loans if you don’t address spending habits.

Thinking about filing Bankruptcy?

Most people know of bankruptcy being the only debt solution available to them when they’re in a dire financial situation. This is reinforced by the thousands and thousands of attorneys telling you with paid advertisements that they’re going to reduce your debt “the legal way”.

What they don’t make abundantly clear is that bankruptcy is your last lifeline in the debt relief world and should only be discussed as the very very very last resort. Although Chapter 13 bankruptcy can in fact drastically reduce your unsecured debt obligations and put you on a realistic 3-5 year payoff plan, it has long-lasting undesirable consequences.

Chapter 7 bankruptcy on the other hand is a different monster altogether. In this scenario, you may be forced to sell off many of the assets that you or your family has accumulated over the years and hand over the proceeds to your creditors as payment.

For many clients and prospective clients that we speak with, their personal credit score is always a major concern. When you start the bankruptcy process, say goodbye to the thought of having a favorable or lend-able credit score for the foreseeable future. Additionally, your bankruptcy will be a public record and be reflected on your credit reports for the next 7-10 years. There are other side effects of filing as well, and you can read more in detail about them in our bankruptcy guide.

Want a better debt relief solution? Our program is a great debt consolidation alternative.

Debt settlement with Pacific Debt is an alternative to bankruptcy, debt consolidation or other debt relief methods. There are no credit checks, no upfront costs and no collateral is required. We won’t keep you waiting for days to see if you are approved or charge you upfront fees to review your situation. Instead, our counselors will take the time to get to know you and your situation. We will design a program based upon your budget and set you up to have your debt resolved in as short a time frame is possible. As a client, our Client Care team will answer your questions and proactively reach out to you just to touch base. We treat you with the respect you deserve and work tirelessly to get you the results you expect. But don’t just take our word for it, see what our clients are saying on our Client Testimonials page.

We’re proud of our reputation. Here’s why.

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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