Unlike credit counseling agencies or debt consolidation companies, Pacific Debt’s main objective is to reduce your debt and monthly payments with its national debt relief program. Along the way, you’ll learn to live debt free without utilizing unsecured loans or credit cards. If you successfully follow our national debt relief program, you can be out of debt in as little as 2 to 4 years.

To be eligible for the Pacific Debt program, you must

What to expect from our Debt Relief Program

  • One low monthly debt relief program payment is based on your budget
  • Resolve your debt in 2-4 years
  • No upfront fees – our fees vary from 15-25% of enrolled debt based on debt amount and state of registration
  • Personal attention from your assigned Account Manager and Certified Debt Specialist
  • Develop a plan to pay off debt at a lower negotiated rate.
  • Excellent Customer Service & Support

Trustpilot Debt Relief Review for Debt Settlement

What to Know About Pacific Debt Inc.

Pacific Debt has helped thousands of people reduce their debt with our national debt relief program. Since 2002we’ve settled over $300 million in debt for our clients. Contact us today to see how we can help.

Debt Relief Program Steps

  • Enroll in Pacific Debt – get a free consultation
  • Pick the best debt solution to your financial situation
  • Enroll in Pacific Debt’s national debt relief program
  • Stop making minimum payments (it may be scary and you’ll get some phone calls – be strong!)
  • Put money into an FDIC insured Special Purpose account each month – you’ll have 24/7 access online
  • Your Account Manager will negotiate with your creditors
  • Your Account Manager will contact you every few weeks
  • Work towards being out of debt in 24 to 48 months!

Pacific Debt is not for you if

  • You want ONLY to improve your credit score
  • You ONLY want significantly lower interest rates
  • You can make more than minimum payments and have a good credit score

Possible Side Effects of Debt Settlement

  • Your credit score will likely take a hit initially
  • You may be sent to collections and receive calls
  • Legal and/or tax ramifications – call for more info

Pacific Debt Testimonials

  • I spent quite a bit of time talking with Debbie A. She did a superior job navigating a difficult and uncomfortable subject, reframing the situation as an opportunity, and making me feel confident in our plan of action before we ever got off the phone. She was transparent, comforting, complimentary, and genuine. I am grateful beyond words for the service I’ve received thus far. I had spent months searching for a company willing to help but was in a tough spot. I finally found someone, Pacific Debt, willing to step up to the plate and help me succeed, and their wonderful employee.
    Get Your Free Savings Estimate from Pacific Debt Today!
    HillCountryHero
    August 18, 2020
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $250 million in debt for our clients. Contact us today to see how you can help you.

  • I was very happy with the service and experience I had with Rian when applying with Pacific I was with another company was not satisfied at all found out some bad things so when I found out Pacific good rating and good customer service rating I immediately was ready to sign up I feel confident they will be the company to get my debt resolved.
    Get Your Free Savings Estimate from Pacific Debt Today!
    Marcia
    August 4, 2020
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $250 million in debt for our clients. Contact us today to see how you can help you.

  • My initial experience has been phenomenal. Matisse was excellent! She answered all of my questions and resolved every concern that I had in a single conversation. Matisse not only assisted me and saving money by setting up in a much needed program, but she also made it fun and freeing at the same time. I thank the company for providing a much needed service and assisting me in becoming debt free. Thank you,
    Get Your Free Savings Estimate from Pacific Debt Today!
    Lakeshia
    July 2, 2020
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $250 million in debt for our clients. Contact us today to see how you can help you.

  • I was very surprised to hear from a cc debt-reducing company but am now very happy that I did. The representative-Jordan by name, was very patient and helpful with me. I can’t tell you how his helpfulness has made me a happy camper. At this time I cannot praise him enough and am 100% satisfied– I would and will recommend pacific to anyone I encounter who might be burdened with cc debt. Gratefully, thank you.
    Get Your Free Savings Estimate from Pacific Debt Today!
    Ernest
    June 10, 2020
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $250 million in debt for our clients. Contact us today to see how you can help you.

  • I’ve been working with Julia Quirke and my experience with her was excellent!!! She is extremely knowledgeable, caring, and compassionate. She has answered all of my questions thoroughly and professionally. The program was explained to me in detail with no hidden agendas. I have felt truly comfortable with Julia and her customer service experience!!!
    Get Your Free Savings Estimate from Pacific Debt Today!
    Mary
    May 12, 2020
    Provided by Trustpilot

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $250 million in debt for our clients. Contact us today to see how you can help you.


Pacific Debt Program Case Studies

Debt relief program review avatar maleI work in insurance and my pay fluctuates each month, I’m not on a strict salary so my monthly income varies month to month. As a result it is difficult to manage my situation because I don’t know exactly how much is coming in month to month… Read Case Study

Location: San Diego, California

Los Angeles CA Debt ReliefI am having a very difficult time paying the debt down while dealing with high interest rates and the balances. Read Case Study

Location: Houston, Texas

Miami Florida Debt Relief TestimonialIn Dec 2011 I lost my job. I had zero debt at the time. I had to use the cards and my saving to stay afloat. I am now looking catch up on the debts on soon as possible. I am making payments but can only afford the minimums. Read Case Study

Location: Miami, Florida

Norfolk Virginia Debt Relief TestimonialI’m going through a divorce and I have fallen behind on payments. I have reached out for assistance through debt settlement to pay off my accounts listed and avoid bankruptcy. Read Case Study

Location: Norfolk, Virginia

Pittsburgh Pennsylvania Debt Consolidation TestimonialNow with changes in our income and having a lot of things change in our household we want to get out of debt a soon a possible with a payment that will be more affordable. Read Case Study

Location: Pittsburgh, Pennsylvania

Rochester New York Debt Consolidation TestimonialI was in over my head with monthly payments on my credit cards and I began to fall behind. I reached out for assistance with my debt to pay off my credit cards and avoid bankruptcy. Read Case Study

Location: Rochester, New York

Raleigh North Carolina debt relief ReviewI fell behind on my debts when I had to evict my tenants out of my rental property. I had to use the credit to keep up with the overhead. I am now looking to set a plan in place to resolve them as soon as possible. Read Case Study

Location: Raleigh, North Carolina

Are you ready for debt relief help now?

Pacific Debt Inc featured on badcredit.org for Debt Settlement Options
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