Unlike credit counseling agencies or debt consolidation companies, Pacific Debt’s main objective is to reduce your debt and monthly payments. 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 relief program, you must

  • Have more than $10,000 in unsecured debt (credit card debt, payday loans, personal loans, medical bills, collections and repossessions, business debts, and some student loans)
  • Live in a state where we can do business (AL, AK, AZ, AR, CA, DC, FL, IA, ID, IN, KY, MA, MD, MI, MN, MO, MS, MT, NC, NE, NM, NY, OK, PA, TX, UT, VA, WI)
  • You are having difficulties making minimum payments
  • Other states can be connected to one of our trusted partners

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. Since 2002we’ve settled over $200 million in debt for our clients. Contact us today to see how you can help you.

Debt Relief Program Steps

  • Enroll in Pacific Debt – get a free consultation
  • Pick the best debt solution to your situation
  • Enroll in Pacific Debt’s 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

Some of Our 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 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

Los Angeles Debt ReliefIn 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

Los Angeles Debt ReliefI’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 ReviewNow 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

Los Angeles Debt ReliefI 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 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?

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