See If You Qualify For Debt Relief

✓ Reduce Your Debt Up To 50%

✓ Debt Free In As Little As 12-48 Months

✓ Free Consultation and Zero Upfront Fees

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How Pacific Debt Relief Works

You stay in control, we do the work for you.

Get a Free, No Obligation Debt Consultation.

Talk to our Certified Debt Specialist to assess your financial situation and see if you qualify to have up to half of your debt balance reduced.

We Negotiate Your Debt (Way) Down.

We create an affordable, tailored plan for you to become debt-free. Our negotiators work with your creditors directly to reduce your debt.

You Save - and Become Debt Free Faster.

We repeat this process for each creditor until all your accounts are settled for a significantly reduced amount.

Frequently Asked Questions

  • Why trust Pacific Debt Relief?

    Established in 2002, Pacific Debt Relief has over 20 years of experience assisting individuals in managing and reducing their debts. We are accredited by the Better Business Bureau (BBB) with an A+ rating, reflecting our commitment to ethical practices and client satisfaction. Our dedication to client success is further evidenced by our excellent ratings on review platforms:

    • Trustpilot: We have earned a 4.9 out of 5 stars rating, based on 1,464 reviews, showcasing our consistent delivery of quality service.
    • Google Reviews: Clients have rated us 4.6 out of 5 stars, based on 271 reviews, highlighting our professionalism and effectiveness.

    These positive reviews underscore our personalized approach and the trust we've built with our clients over the years.

  • What makes me a good candidate for debt relief?

    You may be a suitable candidate for our debt relief program if you:

    • Have over $10,000 in unsecured debt, such as credit card debt, personal loans, or medical bills.
    • Are struggling to make minimum payments or facing financial hardship.
    • Reside in a state where our services are available.

  • How does debt relief work?

    Our program follows a structured approach:

    1. Free Consultation: Discuss your financial situation with our Certified Debt Specialists to determine eligibility and potential savings.
    2. Debt Negotiation: We develop a personalized plan and negotiate directly with your creditors to reduce your debt balances.
    3. Debt Resolution: We continue negotiations until all your accounts are settled for reduced amounts, aiming to make you debt-free faster than traditional methods.

  • Can I afford this?

    Yes, we do not charge any upfront fees. Our fees are only applied after we've successfully negotiated and settled your debts. This ensures that our interests are aligned with yours.

  • What types of debt does Pacific Debt Relief work with?

    We specialize in helping clients resolve various forms of unsecured debt, including:

    • Credit card debt
    • Personal loans
    • Lines of credit
    • Medical bills
    • Store cards
    • Collections
    • Repossessions
    • Business debts

See How Much You Can Save?

(877) 870-2852

With You Every Step Of The Way

Get Started
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*We do not discriminate on the basis of race, race, color, religion, sex, marital status, national origin or ancestry. *Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. *Your visit to our website may be monitored and recorded from essential 3rd party scripts.

*Clients who make all their monthly program deposits pay approximately 50% of their enrolled balance before fees, or 65% to 85% including fees, over 24 to 48 months (some programs lengths can go higher). Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Pacific Debt is not a credit repair firm nor do we offer credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. Pacific Debt, Inc. is licensed where it engages in business. NMLS # 1250953. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S. 12-03825. Pacific Debt, Inc. is registered with the California DFPI under the CCFPL registration number 01-CCFPL-1250953-3419036.