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, MO, MS, MT, NC, NE, NM, NY, OK, PA, TX, UT, VA)
  • 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 program payment based on your budget
  • Resolve 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

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 maybe 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
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