How quickly can Pacific Debt Relief help me resolve my 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.

Will settling debt through Pacific Debt Relief impact my credit score?

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.

What kind of debts does Pacific Debt Relief handle?

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.

How are my monthly payments determined?

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.

What are the fees for Pacific Debt Relief's services?

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.

Janice from Jasper Missouri Debt Relief Review

July 5, 2017

Last Updated: October 27, 2023

Overview of Pacific Debt Relief

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.

Janice from Jasper Missouri Debt Relief Review

Nick was pleasant and more than helpful, being able to reassure me on many levels during the application process.

Janice
Jasper, Missouri Debt Relief Review
July 5, 2018
Provided by BestCompany

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.

Tips from Pacific Debt Relief's Experts

Pacific Debt Relief's experts recommend these tips for managing debt:

Prioritize paying off high-interest debts first
Contact creditors to negotiate lower interest rates
Create a budget to limit unnecessary spending
Explore debt consolidation options
Seek help early before debt becomes unmanageable

FAQs

How quickly can Pacific Debt Relief help me resolve my 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.
Will settling debt through Pacific Debt Relief impact my credit score?

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.
What kind of debts does Pacific Debt Relief handle?

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.
How are my monthly payments determined?

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.
What are the fees for Pacific Debt Relief's services?

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.

Take Control of Your Debt

If debt has become overwhelming, Pacific Debt Relief can help you resolve what you owe and get back on track financially.

Our customized debt relief programs can:

Reduce your monthly payments
Settle your debts for less than you owe
Help improve your credit score over time
Provide peace of mind

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!

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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

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Pacific Debt Relief

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