Last Updated: October 27, 2023
Pacific Debt Relief is a debt relief company founded in 2005 that helps consumers lower their monthly payments and settle debts for less than what is owed. They provide debt settlement, debt consolidation, and credit counseling services.
Nick was pleasant and more than helpful, being able to reassure me on many levels during the application process.
Janice said the application process with Pacific Debt Relief was smooth and easy. She appreciated having Nick as a dedicated account representative who could answer all of her questions and put her at ease during the stressful process of dealing with debt.
The debt settlement program typically takes 24-48 months to resolve your debt fully, but you may start seeing reduced monthly payments within the first few months. The time frame depends on your unique financial situation.
Yes, debt settlement may negatively impact your credit score initially because you are no longer making full payments to creditors. However, resolving your debt through settlement can start to improve your credit score over time.
We can help with unsecured debt like credit cards, medical bills, personal loans, etc. We do not handle secured debt like mortgages or auto loans.
We will conduct a financial analysis and work with you to set monthly payments you can afford based on your budget. As your accounts are settled, your monthly payments decrease.
Our fees depend on your state of residence and debt amount. We typically charge 15-25% of the enrolled debt amount as our fee when the debt is successfully settled.
If debt has become overwhelming, Pacific Debt Relief can help you resolve what you owe and get back on track financially.
Get a free debt relief consultation today, we will review your financial situation, explain your debt relief options, and create a customized program to fit your needs. The consultation is 100% free and there is no obligation to enroll. Take the first step and contact us today to start resolving your debt!
750 B Street Suite 1700
San Diego, CA 92101
Mon-Thurs: 6am - 7pm PST
Friday: 6am - 4:30pm PST
Saturday: 7:30am - 4:30pm PST
Phone: (877) 722-3328
Fax: (619) 238-6709
Email: cs@pacificdebt.com
Phone: (833) 865-2028
Fax: (619) 238-6709
Email: inquiries@pacificdebt.com
© 2024 Pacific Debt Inc. dba Pacific Debt Relief, all rights reserved.
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*We do not discriminate on the basis of 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. 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.