How We Got Started

Settled Over $200 Million in Debt Since 2002

Pacific Debt Inc was founded in 2002 by Kevin Landie 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 doesn’t 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. 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:

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: You will work with one-on-one with one of our Program Advisors 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 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: We have 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 and training and leverage the collective experience of our 13 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.

Feel free to take some time to read about the Pacific Debt Relief Program works.

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."


"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."


"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."

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