About Pacific Debt

Pacific Debt Relief approaches our clients and partners with the highest level of commitment. Our goal is to help people overcome their debt, utilizing the best way that works for their financial goals. Get a free consultation today from a debt specialist.

How Pacific Debt Relief Started

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 included credit counseling services, 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 consumer credit counseling and bankruptcy and does not require collateral like most consolidation loans.


Pacific Debt is Legitimate


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 and did not help customers get out of debt.


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.


During October 2021, the company rebranded it's name from Pacific Debt Inc, to Pacific Debt Relief. Being that the newer name would allow Pacific Debt to remain loyal to its roots with debt settlement.


Today, Pacific Debt Relief is a nationwide debt settlement company and located in beautiful San Diego, California.


The company settles millions of dollars in consumer debt through the debt settlement program each month while maintaining Kevin and Sierra’s vision of a consumer-friendly experience. 


Pacific Debt Relief San Diego Accreditation


Pacific Debt, Inc has pursued all the accreditations necessary to providing top notch services. As an accredited debt settlement company, Pacific Debt is recognized by

  • Consumer Debt Relief Initiative
  • International Association of Professional Debt Arbitrators
  • Better Business Bureau

The International Association of Professional Debt Arbitrators provides training to our professional debt arbitrators so that every member of our certified debt specialists provides the best possible service for our clients.


New Name, Same Debt Negotiation Services


During October 2021, the company rebranded from Pacific Debt Inc, to Pacific Debt Relief. The updated name allows Pacific Debt to remain loyal to its roots with debt settlement while discussing other debt relief services.


We still offer the same great free consultation so you understand your debt relief options.

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$500,000,000+

Settled

32

States Served

4.9

Average Star Rating

20

Years of Service

Over $500 Million in Debt Settled Since 2002


Pacific Debt Relief is a nationwide debt settlement  company 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 debt relief program include:

Customer Reviews Recommend Pacific Debt


Our Pacific Debt reviews mean a lot to us and Pacific Debt strives to succeed with every client. Check out these Pacific Debt reviews and see what our customers are saying about our debt relief program!

  • Pacific Debt is has a Better Business Bureau A+ rating (4.93 rating and over 1678 reviews)
  •  4.8 star rating by BestCompany.com (over 2379 client reviews)
  •  4.8 star rating by TrustPilot based (over 1613 verified consumer reviews)
  •  ConsumerAffairs.com Accredited (over 544 verified reviews with an average rating of 4.6 stars)
  •  A Top 10 Rated Company by TopTenReviews.com, ConsumersAdvocate.com and Top10debtconsolidation.com
  •  4.6 star rating by Google (Over 229 client reviews)
  •  100% rating by SuperMoney (9 client reviews)

Pacific Debt Inc offers debt relief services in the following states:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming


If you need debt relief services but do not qualify for Pacific Debt services or live where Pacific Debt operates, we will refer you to a trusted party.


Contact one of our debt relief specialists for a free consultation.


What Debt does Pacific Debt Address?


Pacific Debt Relief focuses on unsecured debt like payday loans, personal loans, debt consolidation loans, and credit card debt.

We do not handle secured debt like car loans and mortgage loans. If you have issues with secured debt, we may be able to refer you to other debt relief companies.


What Can I Expect From Pacific Debt's program?

  • Affordable monthly payments based on your budget
  • Resolve your situation in 2-4 years
  • No upfront fees with low monthly program payment fees
  • Personal attention from our dedicated Client Success team as you work through the debt settlement process.
  • Develop a monthly payment plan and possibly lower interest rates.
  • Excellent Customer Service & Support
  • Pacific Debt negotiates decreased balances and lower interest rates
  • No personal loans or debt consolidation loans required

The Pacific Debt Relief Program


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 Relief 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 Success Support


Pacific Debt has a team of caring individuals dedicated to helping you navigate all the stages of the process. This includes assisting you with managing creditors, helping you gather all the necessary documents, and making any changes to ensure your program's success.

Client Success: Program Progress


Once it is time to begin settling your debt, you will be supported by a dedicated Client Success team.


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 Client Success team works to develop a personal relationship with each of our clients so that you have a high level of trust as the program proceeds.


Our Client Success team 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 2002,  we've settled over $500 million in debt  for our clients. Contact with us today to see how we can help.

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Our Principals

Sierra Izzard CEO

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 CEO, Sierra oversees all aspects of the business including Sales and Marketing, Negotiations, Customer Service and IT. When Sierra is not working, he enjoys spending time with his growing family, as well as golfing and rooting for the Dodgers and Lakers.

Kevin Landie Founder

Kevin is a San Diego native and graduated from San Diego State with a degree in business. Currently he serves as the Company Founder, and Chairman of the Board. 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.

Senior Management

Anthony Zoblescin

Director of Information Technology

Anthony is originally from Arizona but has chosen San Diego as his current home. He attended the University of San Diego and is a certified PMP. Serving as the Director of Information Technology for Pacific Debt, Anthony has led multiple holistic IT initiatives that have effectively and efficiently transformed the way the company operates. While his primary focus is on confidentiality, integrity and availability of Pacific Debt’s critical infrastructure, he strives to make Pacific Debt as efficient as possible through process automation. In his spare time, he enjoys outdoor exercise, video games, driving and motorsports. Anthony was named a San Diego Top Tech Exec by the San Diego Business Journal in 2020.

Chris Lozano

Director of Enrollment

Chris Lozano oversees the Enrollment Department at Pacific Debt. Originally from a small town, he is the youngest of six. He attended Riverside Community College before attending San Diego State University and has stayed in San Diego since, dubbing the city his new home. Chris has been with Pacific Debt since 2009. He feels blessed to be part of an amazing team that is responsible for helping clients through tough times. He's helped grow Pacific Debt's team over the years and is extremely proud of what Pacific Debt has accomplished. Chris is happily married with three wonderful boys and enjoys spending free time with family exploring the outdoors and traveling.

Julia Quirke

Director of Client Experience

Julia joined our organization as an ATD Certified Master Trainer whose career as a corporate trainer has been largely focused on customer service and sales, stress management and emotional intelligence. Julia joined Pacific Debt Relief in 2014 as the Client Care Manager and is now the Director of Client Experience. She's passionate about ensuring our clients receive the top notch education and support needed to guide them through their journey to becoming debt free. Julia loves nature and animals, music, art and design. She's currently pursuing certification in Restorative Yoga with the goal of helping others to heal trauma.

Jessica Enright

Senior Director of Negotiations

Raised in Detroit and now thriving in San Diego, Jessica began her Pacific Debt journey at the front desk, where close collaboration with leadership helped her quickly gain her footing and shape her career path. As Senior Director of Negotiations, she is dedicated to driving production, streamlining processes, and achieving strong results for clients. Outside of work, Jessica enjoys life in San Diego with her Chihuahua Yorkie, Stannis Baratheon, and finds inspiration in her love for music, live shows, and exploring Southern California.

Jennifer Perry

Director of Client Services

Jennifer began her career at Pacific Debt Relief in 2015 as a Client Success Specialist and has since grown into her current role as Director of Client Services. With years of experience and a passion for helping clients succeed, she leads her team with dedication and care. Outside of work, Jennifer is a proud wife and mom of two, keeping busy as both a cheer mom and a baseball mom.