How We Got Started

Pacific Debt Settled Over $300 Million in Debt Since 2002

Pacific Debt Inc was founded in 2002 by Kevin Landie in San Diego to address the growing tide of consumer debt in America. It’s now one of the best debt consolidation companies with a BBB Accredited rating.

At the time Pacific Debt (PDI) was founded, consumers saddled with high levels of consumer debt were often faced with very difficult choices and a limited number of options. Traditional options for resolving one’s debts include credit counseling, home equity loans, and bankruptcy.

The early 2000s were a huge boon to credit card issuers and as a result, the debt settlement industry was born. Debt settlement is an alternative to credit counseling and bankruptcy and does not require collateral like most consolidation loans.

During the early 2000s, the debt settlement industry flourished due to a lack of regulation. Unfortunately for consumers, many of the companies that got involved early-on put profits before customers. The industry attracted fly by night operators, advance fee schemes and a barrage of consumer complaints. Kevin knew there had to be a better way.

In early 2003, Kevin teamed up with Sierra Izzard, who currently serves as the Company’s Director of Operations. Kevin and Sierra worked tirelessly to build an organization that puts customer satisfaction at the center of the Company’s culture.

Today, Pacific Debt is a leader in the debt settlement field and located in beautiful San Diego, California. The company settles millions of dollars in consumer debt each month while maintaining Kevin and Sierra’s vision of a consumer-friendly experience. Highlights of our program include:

About Pacific Debt Inc Company

Pacific Debt Inc now provides debt relief to the following states:
Alabama, Alaska, Arizona, Arkansas, California, District of Columbia, Florida, Iowa, Idaho, Indiana, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Mexico, New York, Oklahoma, Pennsylvania, South Dakota, Texas, Utah, Virginia, Wisconsin

Above all though, the biggest difference between Pacific Debt and many of its competitors is the personal level of service the consumer receives throughout the process. Here are a few examples:

  • Enrollment: At Pacific Debt you will work one-on-one with a Program Debt Adviser to determine if debt settlement is a good fit for you. This includes reviewing your accounts to determine their eligibility, completing a detailed budget to ensure the program is affordable and getting you a free estimate and plan tailored to your financial situation. If debt settlement isn’t right for you, we do our best to point you in the right direction so that you get the help you need.

  • Client Care: Pacific Debt has a small team of caring individuals dedicated to helping you navigate the early stages of the process. This includes assisting you with managing creditor calls, helping you gather all relevant documents and making any early changes necessary to ensure your program’s success.

  • Account Management: Once it is time to begin settling your debt, you will be assigned to a Personal Account Manager. Our staff have years of experience, training and leverage with the collective experience of our many years in business. Each time we settle an enrolled account you will need to authorize the settlement and we will get it in writing for your records. Our Account Managers work to develop a personal professional relationship with each of our clients so that you have a high level of trust as the program proceeds. Your Account Manager will provide you monthly updates on your progress and bring you up to speed on any ongoing negotiations.

Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $300 million in debt for our clients. Contact us today to see how we can help.

Transcript of Welcome to Pacific Debt Video

[Music]

00:05

over the years we’ve helped thousands of

00:08

people get out of debt I can’t tell you

00:11

how many times I’ve gotten choked up on

00:12

phone calls to you know know that what

00:15

we do is changing lives clients are

00:18

extremely grateful most of the people

00:20

that were working with they’re good

00:22

hard-working people that something

00:24

happened in their life so divorce job

00:28

loss reduction and pay medical setback

00:31

and it’s put them in a position where

00:33

they’re just not making progress on the

00:36

debt if any client looks at most credit

00:39

card statements on the right-hand side

00:41

it says how long you pay it for the

00:43

minimum balance and it will say how much

00:45

you’ll eventually pay most times it’s 20

00:48

to 30 years to pay off a card if you

00:51

stop spending right then I call it a

00:53

hamster wheel and I say that you know or

00:55

even a web that they kind of set a web

00:57

and you got stuck in it and while you

01:00

may feel like oh my goodness how I get

01:01

stuck in it it was designed to get you

01:03

stuck in it and that’s what I try to

01:04

remind them of that this is so many of

01:07

us are stuck in this they’re profiting

01:09

just billions and billions of dollars

01:10

while hardworking people are struggling

01:13

paying every single month and yet if not

01:16

getting them out of debt there are

01:17

people who will pay only because they

01:20

can’t afford more they’ll pay the

01:21

minimum balance every single month and

01:23

years later their debt is the same or

01:25

it’s even grown so this is unfair and

01:27

this is a system that’s really in favor

01:30

of the banks the credit card companies

01:32

and it’s stacked against the individual

01:34

consumer so you know this something has

01:36

to be done were the good guys

01:38

we’re the ones who help consumers get

01:40

out of debt we are the ones who talk to

01:42

the bad guys yes those creditors and the

01:44

collection agencies sometimes law

01:46

offices but we’re the good guys so

01:48

people call us to assist them and that’s

01:50

what we’re good at the reality is our

01:52

clients don’t want to walk away from the

01:54

debt if they wanted to just walk away

01:56

from the debt they could file for

01:58

bankruptcy our clients are good

02:00

hard-working people that they want to do

02:02

right

02:02

they just can’t continue on the endless

02:04

cycle of minimum

02:06

the endless cycles what I call the

02:07

forever plan and that’s what your

02:09

creditors really would like you to do

02:10

which is go on making minimum payments

02:12

forever

02:13

occasionally missing a payment we’re

02:15

charging all that interest they can tack

02:17

on some fees and you stay current on on

02:20

the desk with our plan we put our

02:23

clients in a position to succeed we’ve

02:25

helped clients be able to get their kids

02:27

through college when they didn’t see

02:29

away otherwise to be able to put food on

02:31

the table when you know the choice was

02:33

paying off a credit card or feeding

02:35

their family financial issues are very

02:37

very difficult they’re very personal

02:40

people tend to keep it to themselves and

02:42

we let them know there are lots of

02:44

people around you that are experienced

02:45

in the same kind of trouble but you just

02:47

don’t know it you’re not alone in this

02:49

and even if you can’t talk to anybody in

02:51

your personal life without it what will

02:53

be there for you in that respect and

02:55

just know that we do understand and you

02:59

know we’re here for you and we want to

03:01

get you to a much better place in your

03:02

life where this is in the rearview

03:04

mirror and it’s not you know it’s not

03:06

just affecting every area of your life

03:09

and feeling like it’s insurmountable we

03:10

have clients who call us for a spectrum

03:13

of reasons you know financial

03:15

mismanagement medical situations we more

03:18

recently discovered that a client who

03:21

was about $50,000 in debt a lot of

03:23

retail cards but these stores were

03:26

home-improvement shot their daughter

03:28

actually became disabled so they had to

03:31

use a decent portion of these cards on

03:33

completely reconstructing their home so

03:37

that their teenage daughter could get

03:39

around could be mobile they had to

03:42

install you know wheelchair ramps and

03:46

widened door frames and when they called

03:49

their creditors to say hey you know

03:51

obviously this is my hardship I have

03:53

every intent on paying you back they

03:55

didn’t want to hear it it was this is

03:57

your minimum payment and that’s all

03:59

we’re going to take so they called us

04:00

and we’ve not those balances in half

04:03

actually given those creditors we’re

04:04

probably significantly less than half

04:06

it’s like I feel like I’m I’m helping a

04:08

family

04:09

you know and that that’s gratifying you

04:12

know because when it comes when your

04:14

finances are tight that’s everything

04:16

that’s why separations come into place

04:18

because of finances heartaches happen

04:21

because of finances so if you get

04:23

everything in order there because you

04:26

know with with when you get your debts

04:28

resolved you can focus on financial

04:30

abundance and freedom in the future and

04:32

that’s essentially what we provide I

04:33

think in particular when someone’s going

04:35

through a real hardship in their lives

04:37

and they’re feeling badly about their

04:39

situation my passion is really to try to

04:43

make them feel better about it and to

04:45

make them realize that this isn’t you

04:47

know being in debt is not a measurement

04:49

of your worth as a human being that

04:52

unfortunately I think are a lot of

04:54

messages in society to say so but if you

04:56

have money that you’re a better person

04:58

that if you are struggling financially

04:59

you failed somehow but you know really

05:03

trying to convey to them that that’s not

05:04

the case and letting them know that this

05:07

does not define them this is just a

05:09

situation that they’re going through so

05:10

I think the stories that are the hardest

05:13

clients who have an illness or have lost

05:16

a spouse or I’m thinking of one in

05:19

particular she was also fighting a

05:22

sickness had just lost her husband and

05:24

had taken custody of her grandchildren

05:26

and she had gone directly to the

05:28

creditors before she enrolled and almost

05:31

begged them to lower her interest rate

05:33

do something for her and they said I’m

05:35

sorry my hands were tied

05:36

so you know she felt really good about

05:40

the fact that okay you know what I tried

05:42

I tried to go this route and they didn’t

05:44

they didn’t care and I just shared that

05:46

you know it’s their business practice

05:47

that individual person might care but

05:49

their business practices don’t allow

05:51

them to make any adjustments you know

05:53

I’m glad that you did kind of check that

05:55

out and that you realize that this is

05:58

the best option for you and you know

06:00

just to know that you’re not doing

06:02

anything wrong you have every right to

06:04

do this and that you know you’re still

06:07

taking responsibility for for the bet

06:09

but again this has to end sometime not

06:12

fair for you to pay on this for the rest

06:14

of your life and a debt that just can’t

06:16

be paid off

06:16

we’re never going to make you feel

06:17

ashamed for life happening that’s why

06:20

we’re in business because life happens

06:21

so you know working for Pacific debt

06:25

knowing that customer service is at the

06:27

forefront of everything that we do here

06:30

helps me sleep at night honestly it’s an

06:34

honorable thing you know debt can be

06:36

scary debt can be a little crushing at

06:39

times but we we do an honorable thing we

06:43

run an honorable business and we pride

06:45

ourselves on making sure that our

06:47

clients feel like they have someone in

06:48

their corner they have you know some

06:51

legitimate financial hardships either it

06:54

be medical loss of job you know family

06:59

members needing help so many different

07:02

situations of you know kind of fallen in

07:04

my lap and just getting to talk to him

07:06

getting to know these people wise or

07:07

going through the enrollment process it

07:09

it does feel good because then

07:11

especially at the end of the

07:12

conversation when they’re thanking us

07:13

for you know helping them with you know

07:16

fixing the financial situation you know

07:18

and and allowing them to have that

07:20

finish line because most people don’t

07:22

see the finish line on the options that

07:24

they’re currently taking we just you

07:26

know the endless monthly payments month

07:28

after month after month and not really

07:30

getting the change that they really need

07:31

to see when we reach out to creditors

07:33

obviously you know we’ve got a database

07:36

full of records so we know what’s a fair

07:38

settlement before we make that phone

07:39

call and that’s what we’re going to try

07:41

and do but we’ve also got our clients

07:44

hardships on our side so if we know that

07:46

they’re struggling if we know that they

07:48

might have just lost a job or even lost

07:50

ours we’re going to do our best to shave

07:53

an extra five or ten percent off to get

07:55

the extra time frame that’s needed with

07:57

the budget that they have to get the

07:58

best settlement a lot of clients feel

08:00

like it’s too good to be true

08:02

the reality is though we’ve been in

08:04

business for 15 years we’ve saved our

08:07

clients tens of millions of dollars in

08:09

credit card debt and really you can hear

08:12

the relief in their voice so you can

08:14

feel the pressure

08:15

of the monthly payments the high

08:18

interest the feeling that there is no

08:21

light at the end of the tunnel you can

08:22

feel it palpably in their voice oh I

08:25

absolutely feel great you know when I

08:27

able to save somebody’s thousands and

08:30

thousands of dollars especially when

08:32

they’re in a situation they couldn’t get

08:34

out of otherwise I’ve had clients tell

08:36

me this was the only way that they felt

08:38

comfortable going because bankruptcy

08:39

just isn’t an option or they don’t feel

08:41

comfortable with bankruptcy really the

08:44

common theme that we get you know from

08:46

our clients in terms of the feedback is

08:48

just how much they appreciated the

08:50

personal level of service that we

08:52

offered unlike a lot of the other

08:54

companies out there in the industry all

08:56

of our clients wanted once the

08:57

negotiation process starts they get

09:00

assigned to a personal account manager

09:01

and that personal account manager is the

09:04

one that’s going to be there with them

09:05

every step of the way throughout the

09:07

duration of the program with us there’s

09:10

a light at the end of the tunnel there’s

09:11

no need to feel sad about it or ashamed

09:13

or embarrassed you’ve got a light you

09:16

have a plan something that you can

09:18

afford and you’re going to see zero

09:20

balances Pacific debt has been in

09:22

business for many years we have a lot of

09:24

experience working with situations such

09:26

as yours we have you know an A+ rating

09:29

with the Better Business Bureau we’re

09:30

accredited by the Better Business Bureau

09:32

we’re range of the number one best debt

09:34

settlement company it feels good knowing

09:36

that you paid the debts off in an office

09:38

you settled for less than balance owed

09:40

to work with your budget and you get a

09:43

zero balance letter you get a zero

09:45

balance letter mail to you and it’s

09:46

honored and knowing when you get out of

09:49

the program it’s just such a huge relief

09:52

being debt-free and having that freedom

09:55

is an exhilarating feeling and that’s

10:00

that’s what we’re here to do that that

10:02

feeling that weight off of clients

10:04

shoulders to know that there’s nothing

10:06

more this money is actually my own that

10:08

paycheck goes to the things that I need

10:11

it to go for the things that I wanted to

10:13

go for that it’s an awesome day and

10:16

we’ve shared that thousands of times

10:18

over the years I mean I hear it every

10:20

day on the floor when my reps are you

10:22

know making that phone call

10:23

guess what Tami it’s the last settlement

10:26

and it’s just joy you know what’s going

10:28

on on the other end

10:31

[Music]

English (auto-generated)

Pacific Debt Settled Over $300 Million in Debt Since 2002

Pacific Debt Inc was founded in 2002 by Kevin Landie in San Diego to address the growing tide of consumer debt in America. It’s now one of the best debt consolidation companies with a BBB Accredited rating.

At the time Pacific Debt (PDI) was founded, consumers saddled with high levels of consumer debt were often faced with very difficult choices and a limited number of options. Traditional options for resolving one’s debts include credit counseling, home equity loans, and bankruptcy.

The early 2000s were a huge boon to credit card issuers and as a result, the debt settlement industry was born. Debt settlement is an alternative to credit counseling and bankruptcy and does not require collateral like most consolidation loans.

During the early 2000s, the debt settlement industry flourished due to a lack of regulation. Unfortunately for consumers, many of the companies that got involved early-on put profits before customers. The industry attracted fly by night operators, advance fee schemes and a barrage of consumer complaints. Kevin knew there had to be a better way.

In early 2003, Kevin teamed up with Sierra Izzard, who currently serves as the Company’s Director of Operations. Kevin and Sierra worked tirelessly to build an organization that puts customer satisfaction at the center of the Company’s culture.

Today, Pacific Debt is a leader in the debt settlement field and located in beautiful San Diego, California. The company settles millions of dollars in consumer debt each month while maintaining Kevin and Sierra’s vision of a consumer-friendly experience. Highlights of our program include:

About Pacific Debt Inc Company

Pacific Debt Inc now provides debt relief to the following states:
Alabama, Alaska, Arizona, Arkansas, California, District of Columbia, Florida, Iowa, Idaho, Indiana, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Mexico, New York, Oklahoma, Pennsylvania, South Dakota, Texas, Utah, Virginia, Wisconsin

Above all though, the biggest difference between Pacific Debt and many of its competitors is the personal level of service the consumer receives throughout the process. Here are a few examples:

  • Enrollment: At Pacific Debt you will work one-on-one with a Program Debt Adviser to determine if debt settlement is a good fit for you. This includes reviewing your accounts to determine their eligibility, completing a detailed budget to ensure the program is affordable and getting you a free estimate and plan tailored to your financial situation. If debt settlement isn’t right for you, we do our best to point you in the right direction so that you get the help you need.

  • Client Care: Pacific Debt has a small team of caring individuals dedicated to helping you navigate the early stages of the process. This includes assisting you with managing creditor calls, helping you gather all relevant documents and making any early changes necessary to ensure your program’s success.

  • Account Management: Once it is time to begin settling your debt, you will be assigned to a Personal Account Manager. Our staff have years of experience, training and leverage with the collective experience of our many years in business. Each time we settle an enrolled account you will need to authorize the settlement and we will get it in writing for your records. Our Account Managers work to develop a personal professional relationship with each of our clients so that you have a high level of trust as the program proceeds. Your Account Manager will provide you monthly updates on your progress and bring you up to speed on any ongoing negotiations.

Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $300 million in debt for our clients. Contact us today to see how we can help.

Transcript of Welcome to Pacific Debt Video

[Music]

00:05

over the years we’ve helped thousands of

00:08

people get out of debt I can’t tell you

00:11

how many times I’ve gotten choked up on

00:12

phone calls to you know know that what

00:15

we do is changing lives clients are

00:18

extremely grateful most of the people

00:20

that were working with they’re good

00:22

hard-working people that something

00:24

happened in their life so divorce job

00:28

loss reduction and pay medical setback

00:31

and it’s put them in a position where

00:33

they’re just not making progress on the

00:36

debt if any client looks at most credit

00:39

card statements on the right-hand side

00:41

it says how long you pay it for the

00:43

minimum balance and it will say how much

00:45

you’ll eventually pay most times it’s 20

00:48

to 30 years to pay off a card if you

00:51

stop spending right then I call it a

00:53

hamster wheel and I say that you know or

00:55

even a web that they kind of set a web

00:57

and you got stuck in it and while you

01:00

may feel like oh my goodness how I get

01:01

stuck in it it was designed to get you

01:03

stuck in it and that’s what I try to

01:04

remind them of that this is so many of

01:07

us are stuck in this they’re profiting

01:09

just billions and billions of dollars

01:10

while hardworking people are struggling

01:13

paying every single month and yet if not

01:16

getting them out of debt there are

01:17

people who will pay only because they

01:20

can’t afford more they’ll pay the

01:21

minimum balance every single month and

01:23

years later their debt is the same or

01:25

it’s even grown so this is unfair and

01:27

this is a system that’s really in favor

01:30

of the banks the credit card companies

01:32

and it’s stacked against the individual

01:34

consumer so you know this something has

01:36

to be done were the good guys

01:38

we’re the ones who help consumers get

01:40

out of debt we are the ones who talk to

01:42

the bad guys yes those creditors and the

01:44

collection agencies sometimes law

01:46

offices but we’re the good guys so

01:48

people call us to assist them and that’s

01:50

what we’re good at the reality is our

01:52

clients don’t want to walk away from the

01:54

debt if they wanted to just walk away

01:56

from the debt they could file for

01:58

bankruptcy our clients are good

02:00

hard-working people that they want to do

02:02

right

02:02

they just can’t continue on the endless

02:04

cycle of minimum

02:06

the endless cycles what I call the

02:07

forever plan and that’s what your

02:09

creditors really would like you to do

02:10

which is go on making minimum payments

02:12

forever

02:13

occasionally missing a payment we’re

02:15

charging all that interest they can tack

02:17

on some fees and you stay current on on

02:20

the desk with our plan we put our

02:23

clients in a position to succeed we’ve

02:25

helped clients be able to get their kids

02:27

through college when they didn’t see

02:29

away otherwise to be able to put food on

02:31

the table when you know the choice was

02:33

paying off a credit card or feeding

02:35

their family financial issues are very

02:37

very difficult they’re very personal

02:40

people tend to keep it to themselves and

02:42

we let them know there are lots of

02:44

people around you that are experienced

02:45

in the same kind of trouble but you just

02:47

don’t know it you’re not alone in this

02:49

and even if you can’t talk to anybody in

02:51

your personal life without it what will

02:53

be there for you in that respect and

02:55

just know that we do understand and you

02:59

know we’re here for you and we want to

03:01

get you to a much better place in your

03:02

life where this is in the rearview

03:04

mirror and it’s not you know it’s not

03:06

just affecting every area of your life

03:09

and feeling like it’s insurmountable we

03:10

have clients who call us for a spectrum

03:13

of reasons you know financial

03:15

mismanagement medical situations we more

03:18

recently discovered that a client who

03:21

was about $50,000 in debt a lot of

03:23

retail cards but these stores were

03:26

home-improvement shot their daughter

03:28

actually became disabled so they had to

03:31

use a decent portion of these cards on

03:33

completely reconstructing their home so

03:37

that their teenage daughter could get

03:39

around could be mobile they had to

03:42

install you know wheelchair ramps and

03:46

widened door frames and when they called

03:49

their creditors to say hey you know

03:51

obviously this is my hardship I have

03:53

every intent on paying you back they

03:55

didn’t want to hear it it was this is

03:57

your minimum payment and that’s all

03:59

we’re going to take so they called us

04:00

and we’ve not those balances in half

04:03

actually given those creditors we’re

04:04

probably significantly less than half

04:06

it’s like I feel like I’m I’m helping a

04:08

family

04:09

you know and that that’s gratifying you

04:12

know because when it comes when your

04:14

finances are tight that’s everything

04:16

that’s why separations come into place

04:18

because of finances heartaches happen

04:21

because of finances so if you get

04:23

everything in order there because you

04:26

know with with when you get your debts

04:28

resolved you can focus on financial

04:30

abundance and freedom in the future and

04:32

that’s essentially what we provide I

04:33

think in particular when someone’s going

04:35

through a real hardship in their lives

04:37

and they’re feeling badly about their

04:39

situation my passion is really to try to

04:43

make them feel better about it and to

04:45

make them realize that this isn’t you

04:47

know being in debt is not a measurement

04:49

of your worth as a human being that

04:52

unfortunately I think are a lot of

04:54

messages in society to say so but if you

04:56

have money that you’re a better person

04:58

that if you are struggling financially

04:59

you failed somehow but you know really

05:03

trying to convey to them that that’s not

05:04

the case and letting them know that this

05:07

does not define them this is just a

05:09

situation that they’re going through so

05:10

I think the stories that are the hardest

05:13

clients who have an illness or have lost

05:16

a spouse or I’m thinking of one in

05:19

particular she was also fighting a

05:22

sickness had just lost her husband and

05:24

had taken custody of her grandchildren

05:26

and she had gone directly to the

05:28

creditors before she enrolled and almost

05:31

begged them to lower her interest rate

05:33

do something for her and they said I’m

05:35

sorry my hands were tied

05:36

so you know she felt really good about

05:40

the fact that okay you know what I tried

05:42

I tried to go this route and they didn’t

05:44

they didn’t care and I just shared that

05:46

you know it’s their business practice

05:47

that individual person might care but

05:49

their business practices don’t allow

05:51

them to make any adjustments you know

05:53

I’m glad that you did kind of check that

05:55

out and that you realize that this is

05:58

the best option for you and you know

06:00

just to know that you’re not doing

06:02

anything wrong you have every right to

06:04

do this and that you know you’re still

06:07

taking responsibility for for the bet

06:09

but again this has to end sometime not

06:12

fair for you to pay on this for the rest

06:14

of your life and a debt that just can’t

06:16

be paid off

06:16

we’re never going to make you feel

06:17

ashamed for life happening that’s why

06:20

we’re in business because life happens

06:21

so you know working for Pacific debt

06:25

knowing that customer service is at the

06:27

forefront of everything that we do here

06:30

helps me sleep at night honestly it’s an

06:34

honorable thing you know debt can be

06:36

scary debt can be a little crushing at

06:39

times but we we do an honorable thing we

06:43

run an honorable business and we pride

06:45

ourselves on making sure that our

06:47

clients feel like they have someone in

06:48

their corner they have you know some

06:51

legitimate financial hardships either it

06:54

be medical loss of job you know family

06:59

members needing help so many different

07:02

situations of you know kind of fallen in

07:04

my lap and just getting to talk to him

07:06

getting to know these people wise or

07:07

going through the enrollment process it

07:09

it does feel good because then

07:11

especially at the end of the

07:12

conversation when they’re thanking us

07:13

for you know helping them with you know

07:16

fixing the financial situation you know

07:18

and and allowing them to have that

07:20

finish line because most people don’t

07:22

see the finish line on the options that

07:24

they’re currently taking we just you

07:26

know the endless monthly payments month

07:28

after month after month and not really

07:30

getting the change that they really need

07:31

to see when we reach out to creditors

07:33

obviously you know we’ve got a database

07:36

full of records so we know what’s a fair

07:38

settlement before we make that phone

07:39

call and that’s what we’re going to try

07:41

and do but we’ve also got our clients

07:44

hardships on our side so if we know that

07:46

they’re struggling if we know that they

07:48

might have just lost a job or even lost

07:50

ours we’re going to do our best to shave

07:53

an extra five or ten percent off to get

07:55

the extra time frame that’s needed with

07:57

the budget that they have to get the

07:58

best settlement a lot of clients feel

08:00

like it’s too good to be true

08:02

the reality is though we’ve been in

08:04

business for 15 years we’ve saved our

08:07

clients tens of millions of dollars in

08:09

credit card debt and really you can hear

08:12

the relief in their voice so you can

08:14

feel the pressure

08:15

of the monthly payments the high

08:18

interest the feeling that there is no

08:21

light at the end of the tunnel you can

08:22

feel it palpably in their voice oh I

08:25

absolutely feel great you know when I

08:27

able to save somebody’s thousands and

08:30

thousands of dollars especially when

08:32

they’re in a situation they couldn’t get

08:34

out of otherwise I’ve had clients tell

08:36

me this was the only way that they felt

08:38

comfortable going because bankruptcy

08:39

just isn’t an option or they don’t feel

08:41

comfortable with bankruptcy really the

08:44

common theme that we get you know from

08:46

our clients in terms of the feedback is

08:48

just how much they appreciated the

08:50

personal level of service that we

08:52

offered unlike a lot of the other

08:54

companies out there in the industry all

08:56

of our clients wanted once the

08:57

negotiation process starts they get

09:00

assigned to a personal account manager

09:01

and that personal account manager is the

09:04

one that’s going to be there with them

09:05

every step of the way throughout the

09:07

duration of the program with us there’s

09:10

a light at the end of the tunnel there’s

09:11

no need to feel sad about it or ashamed

09:13

or embarrassed you’ve got a light you

09:16

have a plan something that you can

09:18

afford and you’re going to see zero

09:20

balances Pacific debt has been in

09:22

business for many years we have a lot of

09:24

experience working with situations such

09:26

as yours we have you know an A+ rating

09:29

with the Better Business Bureau we’re

09:30

accredited by the Better Business Bureau

09:32

we’re range of the number one best debt

09:34

settlement company it feels good knowing

09:36

that you paid the debts off in an office

09:38

you settled for less than balance owed

09:40

to work with your budget and you get a

09:43

zero balance letter you get a zero

09:45

balance letter mail to you and it’s

09:46

honored and knowing when you get out of

09:49

the program it’s just such a huge relief

09:52

being debt-free and having that freedom

09:55

is an exhilarating feeling and that’s

10:00

that’s what we’re here to do that that

10:02

feeling that weight off of clients

10:04

shoulders to know that there’s nothing

10:06

more this money is actually my own that

10:08

paycheck goes to the things that I need

10:11

it to go for the things that I wanted to

10:13

go for that it’s an awesome day and

10:16

we’ve shared that thousands of times

10:18

over the years I mean I hear it every

10:20

day on the floor when my reps are you

10:22

know making that phone call

10:23

guess what Tami it’s the last settlement

10:26

and it’s just joy you know what’s going

10:28

on on the other end

10:31

[Music]

English (auto-generated)

Our Principals

Photo of Kevin Landie, CEO

Kevin Landie CEO

Kevin is a San Diego native and graduated from San Diego State with a degree in business. Currently he serves as the Company CEO. He started his career as Investment Advisor before getting his foot in the door at a large well known debt settlement company. Working for two separate debt settlement companies before founding Pacific Debt, Kevin knew that debt settlement had potential to be a valuable consumer option if executed properly. When he isn’t at the office, Kevin enjoys spending time with his family, watching the Padres and enjoying the beach.

Photo of Sierra Izzard, Director of Operations

Sierra Izzard Director of Operations

Sierra grew up in Ventura Country north of Los Angeles and graduated with a degree in Economics from UC San Diego. Prior to joining PDI in 2003, Sierra spent much of his career as a financial writer as well as in business to business marketing and sales. As the Director of Operations, Sierra is involved with our debt settlement floor operations, State Compliance and customer service activities. When Sierra is not working,he enjoys spending time with his growing family, as well as running and rooting for the Chargers and Lakers.

"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."

Cathy

"I just wanted to thank you for work you did for us on settling our credit cad debts. You were honest and explained everything you were doing in detail. I had a lot of confidence in you. I felt that I did the right thing in contacting your Pacific Debt and you to do by right by us."

Shirley

"I just wanted to send a quick thank you for all you have done! It wasn't an easy couple of years financially, but I made it through! Thanks to you, Pacific Debt, I can now make a fresh start."

Denise
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