What debts can you help with?

We help settle credit card, medical, and other unsecured debt owed to banks, collection agencies, and other creditors.

How does the debt settlement process work?

We will work with you to stop collections calls, negotiate with your creditors for reduced payoffs, and set up affordable payment plans. Our dedicated debt specialists handle everything.

How long does debt settlement take?

Our programs typically take between 12-48 months but can vary based on your unique financial situation and the amount of debt enrolled.

Our fees average 15-25% of the debt enrolled, depending on the state. We also offer flat fee programs. There are no upfront fees.

Will this affect my credit?

Debt settlement may lower your credit score initially, but paying off debt will raise it over time. We can advise on minimizing the impact.

Do I have to change my lifestyle?

No major lifestyle changes are required in our programs. We work within your budget.

Can debt settlement stop wage garnishment?

Yes, we can stop wage garnishment and freeze collection lawsuits in many cases once we intervene.

What results can I expect?

Our clients typically save 40-60% off their enrolled debt balances, with some even fully settled.

Do you offer a guarantee?

We provide performance guarantees on all our debt relief programs.

Jim from Phoenix Arizona Debt Relief Review

March 9, 2017

Last Updated: October 27, 2023

Overview of Pacific Debt Relief

Pacific Debt Relief is a leading debt settlement company based in San Diego, CA. Founded in 1998, they have over 20 years of experience helping consumers settle credit card and other unsecured debt. To date, they have resolved over 1 billion in consumer debt.

Jim from Phoenix Arizona Debt Relief Review

After reading reviews of the best debt settlement companies we contacted the top three. Pacific Debt received top marks. Doing phone interviews let us know there is a difference between companies. Pacific Debt, Inc was thorough in explaining the process, helped us feel as comfortable as possible in making a difficult decision, and, best of all, was able to settle our debt at a significantly reduced payment. In the final analysis, we feel very confident in our decision to work with Pacific Debt - knowing that there is light at the end of the tunnel.

Jim
Phoenix, Arizona Debt Relief Review
February 9, 2017
Provided by BestCompany

If you're struggling with credit card or other unsecured debt. Click here to see more Arizona debt relief reviews.

Here are some tips to consider:

Track your spending to understand where your money is going each month.
Try to increase income with a side hustle or part-time job if possible.
Prioritize minimum payments on secured debt like auto loans or mortgages
Consider debt management or credit counseling if you need help with a debt repayment plan.
Research reputable debt relief companies like Pacific Debt Relief to settle debt for less than you owe.

With early intervention and the help of a trusted partner like Pacific Debt, you can take control of your debt situation. Don't wait - seek assistance today.

FAQs:

What debts can you help with?

We help settle credit card, medical, and other unsecured debt owed to banks, collection agencies, and other creditors.
How does the debt settlement process work?

We will work with you to stop collections calls, negotiate with your creditors for reduced payoffs, and set up affordable payment plans. Our dedicated debt specialists handle everything.
How long does debt settlement take?

Our programs typically take between 12-48 months but can vary based on your unique financial situation and the amount of debt enrolled.
What are your fees?

Our fees average 15-25% of the debt enrolled, depending on the state. We also offer flat fee programs. There are no upfront fees.
Will this affect my credit?

Debt settlement may lower your credit score initially, but paying off debt will raise it over time. We can advise on minimizing the impact.
Do I have to change my lifestyle?

No major lifestyle changes are required in our programs. We work within your budget.
Can debt settlement stop wage garnishment?

Yes, we can stop wage garnishment and freeze collection lawsuits in many cases once we intervene.
What results can I expect?

Our clients typically save 40-60% off their enrolled debt balances, with some even fully settled.
Do you offer a guarantee?

We provide performance guarantees on all our debt relief programs.

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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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