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 national debt relief program, you must

What to expect from the Pacific 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

What to Know About Pacific Debt

Pacific Debt has helped thousands of people reduce their debt with our national debt relief program. Since 2002we’ve settled over $200 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 Relief Reviews & Testimonials

  • I have only started my process with Pacific Debt. Ray was patiently on the phone with me for over 2 hours. That is commitment!! He was pleasant and informative about the program. If this how the program will be throughout my process I can see why their ratings are so high. I will review again once I’ve been enrolled for a while. Thank you Ray!!!!
    Anonymous
    Carlsbad, California Debt Relief Review
    January 24, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • Rian was absolutely amazing. He took the time to explain everything to me answered all my questions and never complained. He made me feel at ease and reassured me everything will be okay and taken care of!
    Kirstin
    Pottstown, Pennsylvania Debt Relief Review
    January 24, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • the customer service was great. fast & friendly
    Mauricio
    Perris, California Debt Relief Review
    January 24, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • Pacific Debt was very understanding and walked me through the entire process.
    Amanda
    Modesto, California Debt Relief Review
    January 23, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • Rian was great and the process was seamless. I would highly recommend to anyone with credit card debt.
    Arthur
    Hialeah, Florida Debt Relief Review
    January 23, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

  • Julius Y is the person l spoke to, he helped me understand how consolidation worked. He explained everything l asked, he had a Great Personality & made me feel very comfortable talking to him. He knew every answer to the questions l asked. He is a Great Person to deal with the public. I had my friend call him & sign up with your company.
    Carol
    Ridgewook, New York Debt Relief Review
    January 7, 2019
    Provided by BestCompany

    Pacific Debt has helped thousands of people reduce their debt. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how we can help.


Pacific Debt National Debt Relief 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

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