Slash Your Debt

For over 20 years our debt relief program has helped clients change the trajectory of their financial lives. Our work has impacted families and future generations. We are a company that provides excellent customer service and works diligently to maintain your trust throughout our entire process. 

Don't just take our word for it, read our third-party reviews by visiting our Pacific Debt Relief reviews page or our video testimonials. We're rated A+ and fully accredited by the Better Business Bureau (BBB). We have thousands of reviews and testimonials highlighting we are trustworthy, we keep our word, we have a friendly dedicated customer care team, we offer tailored programs to suit your unique needs, and offer ongoing encouragement throughout the process of becoming debt free. We also provide practical personal finance tips and strategies through our financial educational resources to help you better manage your money and debt.

During your free debt relief consultation we will listen closely to your financial situation and create a tailored program to get you debt free faster than you thought possible. We have helped hundreds of thousands of clients resolve millions in consumer debt. We are ready to help you! Call us today. 

To be qualified for our debt relief program, you must:

• Have more than $10,000 in unsecured debt (credit card debt, payday loans, personal loans, medical bills, collections and repossessions, business debts, and some student loans).
• Live in a state where we can do business.

We cannot help with debt from lawsuits or judgments, IRS debt, utility bills, auto or governmental loans, mortgages or home loans, or other secured debt.

Are you feeling the weight of your debt? Are your past financial choices impacting your future? We're here to offer a better way. For the past 20 years we have settled over $300 million in debt for our consumers. Call us today to hear how we could provide you with a customized financial plan to cut your monthly payments immediately giving you the cash flow and peace of mind you need. 

We are nationally accredited and recognized by numerous independent consumer review companies, including the Better Business Bureau. We have helped thousands of people reduce their debt, and we can help you too! Give one of our certified debt relief counselors a call to understand your options. You can also enroll in our debt settlement program through our website.

Pacific Debt was one man’s answer to unscrupulous debt consolidation companies. Pacific Debt is built on better customer service and strict adherence to quality. Everyone at Pacific Debt is dedicated to helping you get out of debt and stay out of debt. We can help you with any questions you may have concerning debt settlement, debt consolidation, or debt relief in general. Don’t hesitate to ask us anything, we are debt experts!

Our program is comprehensive and keeps you in control. Once you make the decision to get out of debt, you apply through our website. You’ll be connected with a certified credit counselor who will review your debt relief options with you. If debt settlement is right for you, we move forward with enrolling you into our debt consolidation program.

Our debt relief program is quick and painless!

Step 1 – Enroll through the Pacific Debt website

Step 2 – Our Client Care department will guide you and give you a clear understanding of how our debt relief program works

Step 3 – Sit back and let our professional debt negotiation team work for you and start saving you money!

As you enter the debt settlement process, your assigned certified debt relief counselor will analyze your debt, monthly expenses, and your income. They look at your current budget and determine a payment estimate that works for you. Once enrolled, our negotiation team will work with your creditors to agree on a (usually) lesser amount of debt and a repayment schedule. You may have to stop making payments to your creditors in order to proceed with debt settlement.

Debt settlement includes unsecured debt such as medical bills, overdue utility payments, credit cards, personal loans, tax debt, payday loans, bankruptcy, and certain contracts, like gym memberships. We have trusted partners who will help you with payday loans and student loan consolidation.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Idaho, Indiana, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, Nevada, New Mexico, New York, Oklahoma, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Wisconsin

People often talk about bankruptcy and how you can declare bankruptcy to get out of debt. In reality, bankruptcy is a last resort. Keep in mind these points:

• Bankruptcy can be very expensive, largely due to the legal fees
• Bankruptcy has a stigma attached to it
• Bankruptcy details are a public record
• Bankruptcy can stay on your credit report up to 10 years
• Loans after bankruptcy can be very expensive and difficult to obtain

At Pacific Debt, we only recommend bankruptcy as the last possible resort. There are several other debt-relief options to try first. These include:

• Debt Settlement – working with your creditors to agree on a lower amount to repay
• Debt Consolidation – rolling all your debt into a lump sum and paying it off entirely
• Debt Consolidation Loans – getting a loan to pay off all the debt, then repaying the loan at a better interest rate
• Credit Counseling Services – assistance with budgeting and negotiating lower interest rates