How long does debt relief take?

The debt relief process typically takes between 24-48 months depending on your specific situation. We'll provide an estimated timeline during your free consultation.

Will debt relief hurt my credit score?

There may be a short-term impact on your credit score as accounts get settled, but in the long run, eliminating debt will help improve your credit utilization ratio. We can advise you on rebuilding credit after debt relief.

Are debt relief payments affordable?

Yes, we customize an affordable monthly payment plan based on your budget and debts. On average, your monthly payment to us is 30-50% less than you currently pay to creditors.

What debts can you help with?

We help settle credit card debt, medical bills, personal loans, payday loans, and some private student loan debt. Secured debts like mortgages and auto loans do not qualify.

Is debt relief better than debt consolidation?

Yes, debt relief is better because your balances get reduced rather than just consolidated into a new loan. Debt consolidation only delays paying off debt, while relief lets you become debt-free faster.

Elizabeth from Woodsboro Maryland Debt Relief Review

January 27, 2018

Last Updated: November 01, 2023

Pacific Debt Relief

Pacific Debt Relief is a debt relief company that helps consumers settle their credit card, medical, and other unsecured debt for less than they owe. We negotiate with creditors on your behalf to reduce balances and get you on a path to being debt-free.

Elizabeth from Woodsboro Maryland Debt Relief Review

I called Pacific Debt and they got all my records, and they then made the payments on my credit card debt. The process was very easy and their reps have treated me very well. However, I'd like for it to have gone a little quicker, but it's been paid now. I would recommend Pacific Debt to a friend.

Elizabeth
Woodsboro, Maryland Debt Relief Review
January 18, 2018
Provided by BestCompany

How Debt Relief Works

Our simple 3-step process for becoming debt-free:

Request a free debt analysis and consultation. We'll review your debts and monthly budget to craft a customized relief plan.
Stop collection calls and consolidate debts. We'll negotiate with your creditors to reduce interest rates and balances.
Make affordable monthly payments. We set up one monthly payment to us and we'll distribute it across your debts.

Types of Debt We Can Help With

Pacific Debt Relief can renegotiate and settle these common types of unsecured debt:

Credit cards
Medical bills
Personal loans
Payday loans
Private student loans

FAQs

How long does debt relief take?

The debt relief process typically takes between 24-48 months depending on your specific situation. We'll provide an estimated timeline during your free consultation.
Will debt relief hurt my credit score?

There may be a short-term impact on your credit score as accounts get settled, but in the long run, eliminating debt will help improve your credit utilization ratio. We can advise you on rebuilding credit after debt relief.
Are debt relief payments affordable?

Yes, we customize an affordable monthly payment plan based on your budget and debts. On average, your monthly payment to us is 30-50% less than you currently pay to creditors.
What debts can you help with?

We help settle credit card debt, medical bills, personal loans, payday loans, and some private student loan debt. Secured debts like mortgages and auto loans do not qualify.
Is debt relief better than debt consolidation?

Yes, debt relief is better because your balances get reduced rather than just consolidated into a new loan. Debt consolidation only delays paying off debt, while relief lets you become debt-free faster.

Get Debt Relief Today

If you're struggling with debt and looking for help, schedule a free consultation with our experts. We'll review your situation and create a customized debt relief plan to help you finally become debt-free.

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✔ Accredited by Better Business Bureau with BBB A+ rating (4.93 rating and 1678 reviews)

✔ US News and World Reports and Bankrate ranked Pacific Debt Relief as one of “The Best Debt Relief Companies of 2024”

✔ 6.9 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 5 stars)

✔ A Top 10 Rated Compan by TopTenReviews.com , ConsumersAdvocate.com and Top10debtconsolidation.com

✔ 4.6 star rating by Google (229 client reviews)

✔ 100% rating by SuperMoney (9 client reviews)

Pacific Debt Relief

(833) 865-2028

(833) 865-2024

Pacific Debt Relief

(833) 865-2024

Reduce Your Credit Card Debt By Up to Half

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