Pacific Debt Reviews

Pacific Debt Reviews from Trustpilot

Our Customer Reviews


At Pacific Debt Relief, we pride ourselves on our customer service and providing the best possible debt settlement outcomes for our clients.


We have helped thousands of customers with our debt settlement program that now totals over $300,000,000. Read what some of our past customers have to say about their experience working with Pacific Debt Relief to pay off their debt. Call us for a FREE consultation today!

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Recent Review from Brandy

"Debt can be a scary, shameful thing. It’s not something that’s openly talked about, but if it were, I think many would realize how similar so many of our situations are.

When I first reached out to Pacific Debt, I had the same feelings. By the end of my initial phone call with them, that feeling had completely dissipated. I felt heard, I felt taken care of, and I felt like someone had thrown me a lifeline. Relief. It is such a profound feeling, and that’s what Pacific Debt gave me.

From my beginning consultation, to my case manager being assigned, to my accounts being settled, the process could not have been easier to understand or work within. The staff is with you every step of the way, eager to help, and by the end truly feel like friends. They understand our situations, and they’re here to take care of that for us, with our help. I am grateful to them beyond belief, and cannot recommend them enough.

If you are in a similar position, please don’t wait any longer. Get yourself some relief, see the light at the end of the tunnel. Pacific Debt can help, and they WANT TO.


Julia in particular, thank you. Words can’t even express. ❤️"

- Brandy (Trustpilot review)


Get a FREE consultation today with no-obligation


How Pacific Debt Relief Works


Your account manager negotiates debt settlements and works closely with creditors (or collectors) on the total enrolled debt you have in our debt relief program. We have a minimum debt threshold with no upfront fees.


Our team works diligently every day so you can get out of debt as quickly as possible. Read below what some past customers have said about how we've made such an impact!


We can see by our outstanding debt reviews that a lot of our customers recommend Pacific Debt Relief as the #1 debt settlement company to work with. We work hard to earn 5 stars from every client.


We not only help with credit card debt, we may also be able to help you reduce and pay off your unsecured debts including medical debt, unsecured personal loans, debt consolidation loans and payday loans.


Pacific Debt Settlement Program Features

  • You may become debt-free in 24-48 months of using our debt relief program, depending on how much enrolled debt you enrolled have to pay off
  • The minimum debt threshold is lower than other providers
  • No upfront fees are required upon starting our program
  • We offer a FREE consultation to see how much money you can save
  • Our program lets you pay less than what you owe on your debts
  • We are a debt settlement company
  • Expert account management

What Types of Debt We Help With

  • Credit card debt
  • Unsecured debts and personal loan debt
  • Medical bills
  • Business debt
  • Payday loans
  • Car loans
  • Debt consolidation loans

To date, we have helped settle more than $300 million in credit card debt and other debts for people just like you. Pacific Debt Relief may advise you on secured loans like mortgage loans, but these are generally not enrolled.


Pacific Debt Relief offers the only solution that significantly reduces your debt to less than you currently owe. That means you get debt-free in a fraction of the time it would take with other options.


Pacific Debt Relief Trustpilot Review

Our Customer Reviews Are Verified


Our Pacific Debt reviews are generated and verified through 3rd-party review companies such as Trustpilot, BestCompany, Better Business Bureau (BBB), TopTenReviews, and other reputable publishers.


On top of all this, we are also an accredited member of the Consumer Debt Relief Initiative and the Better Business Bureau (BBB) as a legitimate debt settlement company.


View our customer video testimonials to see more client feedback from Pacific Debt Relief. Get a FREE consultation today!

Our customer reviews reveal that many people feel overwhelmed by unsecured debt and payday loans and are confused about national debt relief companies and other solutions, and how Pacific Debt relief works. Unlike many other debt settlement companies, our fees are clearly explained.


Many 5-star reviews also show how we have helped thousands of people feel more confident and get through our unsecured debt settlement program. Pacific Debt always strives for the best customer service that it can possibly provide to those who desperately need help reducing their unsecured debt and help them avoid bankruptcy.


Read through our user reviews to see how our debt settlement program helped countless people get the help they needed. Pacific Debt's customer service is unmatched in the debt settlement industry. We take customer complaints and negative reviews seriously.


If you have a personal loan, car loans, payday loans, or any other type of unsecured debt, our debt relief program could greatly benefit you. We can possibly save you a substantial amount of money while you pay off your debts.


These review companies offer advertiser disclosure, pacific debt, to reassure you that reviews are not exchanged for payment!


Does Pacific Debt Relief Work? Read our reviews!

5 Stars Pacific Debt Customer Review from Trustpilot

"Nobody plans to drown in Debt! Neither did my husband and I. We purchased a home several years ago. Soon after moving in, water and sewage issues arose, as well as mold and other safety issues. We incurred insurmountable debt to protect our investment in this home and make it safe for our family to live in. We found ourselves in a financial disaster that brought us close to losing everything we had worked so hard to protect. We were behind in all of our bills, and both working overtime, to pay only the minimum balances, and still were sinking behind.


This caused stress to the breaking point and we decided we would have to file for bankruptcy, that is, until Pacific Debt came to our rescue! Jeremy Saltzen and Julia Quirke are well informed and they really educated us about this program to get our finances under control and our life to a place where we could breathe again. Our client success manager, Julia Quirke, has been a lifeline to us as we navigate this program and process. She has been an excellent financial life coach, walking us through the steps and checking in on us to answer questions and offer updates and help, as well as encourage us."
Review from Trustpilot


While Pacific Debt is renowned for its debt settlement program, many clients have also found our services instrumental in their credit repair journey. As we negotiate with creditors to reduce the debt amount you owe, over time, successful debt settlement can lead to a decrease in your credit utilization ratio, one of the key factors that credit scoring models consider. This, in turn, can contribute positively to your credit score, especially when coupled with consistent, on-time payments on other credit accounts.


However, it's important to note that debt settlement is not a quick fix for credit problems. The process can initially have a negative impact on your credit score, as it involves stopping payments to creditors while negotiations take place. But in the long run, resolving your debts through settlement can put you on a path towards better credit health.


As each individual's credit situation is unique, we encourage you to read the experiences of our customers who embarked on their debt relief journey with Pacific Debt. Their customer reviews shed light on how our debt settlement program has helped them regain control over their financial situation and make strides towards improving their credit.

More Customer Reviews throughout the United States

Our Customer Review Ratings


We're committed to providing the best service possible and earning your 5 stars so you can focus on what really matters, which is your improved financial situation!


We've earned ourselves top rankings with independent review sites, and feedback from our satisfied customers says it all.


Our client's satisfaction has been noted in many glowing comments made by them about their experience working with us.

Debt Relief Verified Customer Reviews Ratings # of Reviews
Google 4.6 / 5 220
Consumer Affairs 5 / 5 543
Best Company 4.8 / 5 2,379
Better Business Bureau 4.93 / 5 1542
Trustpilot 4.7 / 5 1477
Best Debt Companys 8.7 / 10 242
Top Ten Reviews 3.5 / 5 na
Crediful 4.4 / 5 na
SuperMoney 100% 9

Pacific Debt Relief Common Questions


We see a lot of questions about our debt relief company and debt settlement so we've listed some below. Here is some information that may help!

  • Is Pacific Debt Relief legit?

    Founded in 2002, Pacific Debt Relief is a company that provides unsecured debt relief with excellent customer reviews and accreditation from third parties like the Consumer Debt Relief Initiative and the BBB. You can judge a debt relief company by its industry accreditations and Pacific Debt Relief offers a FREE consultation.


    Our professional debt arbitrators are known for their excellent customer service. We have settled more than $300 million in debt to date, so you are in good company!


    Pacific Debt, Inc is certified by the International Association of Professional Debt Arbitrators.


    With a rating of excellent and unmatched user reviews, Pacific Debt is the go-to company for those seeking the best debt relief. Our program offers some credit counseling to move into a debt-free future.


    If you're feeling overwhelmed with your unsecured debt or payday loans, then Pacific Debt Relief might be the answer. We were founded on one goal and that's helping people get out from under too much responsibility for an effort they can't manage alone!


    We will help you deal with debt collectors as well.


    Our agents will work closely together until your unsecured debts have been closely analyzed to see how much money you could save from our Debt Relief Program.


    Your one monthly program payment is deposited into an FDIC-insured account with a financial institution.


    We are headquartered in San Diego, California and we are a national debt relief company helping people throughout the United States.


    Watch our Pacific Debt Relief customer video testimonials.

  • How do I know if a debt settlement company is legitimate?

    Take these steps to determine if a debt settlement company is legitimate.


    The first step is to check the company's accreditation. You can search the Association of Settlement Companies (ASC) website.


    Always look for a company accredited by the American Fair Credit Council or the Consumer Debt Relief Initiative. Also, certification by the International Association of Professional Debt Arbitrators is a very good sign.


    The second step is to review the company's Better Business Bureau rating. You can also search for the company on RipoffReport.com or ComplaintsBoard.com to see if any consumers have filed complaints about their experiences with the debt settlement company.


    Your first contact should involve a free consultation about your unsecured personal loans and consumer debt. At Pacific Debt Relief you always have a free consultation to discuss debt relief options. Ask the consultation to explain the whole process to you.


    You should also ask the company for references and contact those references to get their opinion about the company. 


    Always understand the upfront fees for services. They should offer certified debt specialists or a certified debt counselor to work with you.


    Finally, you can ask the company for a copy of its contract and review it carefully to make sure you understand all of the terms and conditions.

  • Who has the best debt relief program?

    Bankrate named Pacific Debt Relief as one of the Best debt settlement companies of 2020 for a customer-friendly experience with our professional debt arbitrators. 


    Pacific Debt Relief's rating among debt relief companies comes from our outstanding level of personalized service and maintaining a BBB rating of A+!


    If you need help managing your debts and getting out of unsecured debt, then Pacific Debt Relief is the company for you. 


    At Pacific Debt Relief, our friendly professional debt arbitrators go above and beyond to make sure that everything goes smoothly while reducing your debt.

  • Can you settle debt for less?

    This can be a difficult process, as it requires communication with lenders. However, there are debt settlement companies like Pacific Debt that help negotiate on your behalf.


    You can settle less than what you owe because we have good relationships with many of your creditors already! Our debt negotiation skills and experience are well documented.

  • Are debt relief companies a good idea?

    Think of debt relief as an opportunity to get out from under the weight. It can help make your monthly payments much more manageable through negotiation and give you some peace of mind. Debt relief companies can be a lifesaver. Anything you can do to make bankruptcy a last resort is a good idea!


    Getting some consumer credit counseling along with your debt settlement is important as well!


    Be aware that credit scores will take a temporary hit as you explore debt relief options, but as you pay down your consumer debt, credit scores will improve.


    Make sure your debt relief company is certified by the International Association of Professional Debt Arbitrators and accredited by the BBB.

  • Does settlement affect your credit score?

    Debt settlement can have both positive and negative effects on your credit score. On the positive side, consolidating your debts into one monthly payment can make managing your finances easier and help you stay current on your payments. This can lead to a higher score over time. 


    On the negative side, settlement can lead to a lower credit score in the short term if you consolidate high-interest debt into a new loan with a lower interest rate. This is because creditors may view debt relief as a sign that you're having financial difficulties.


    Ultimately, how debt settlement affects your credit score depends on how you manage your finances after consolidating your debts.

Pacific Debt Review from Trustpilot

Pacific Debt Reviews From Trustpilot


Don’t just take Pacific Debt's word for what real clients say. Instead check out real customer reviews on independent websites like Trustpilot. You'll see how many of our customers give us 5 stars across the board.


This international independent review website garners more than 1 million new reviews each month.


Check out these five star reviews from Trustpilot. 


Outstanding Pacific Debt Specialist


"Pacific Debt representatives, Julia Quirke and Jeremy Saltzen, have answered every financial question, have treated us with integrity and respect, never shamed us for our debt, and are changing our lives. Pacific Debt is reputable, dependable, accessible, and an amazing opportunity to deal responsibly with your debt and allow you the satisfaction and success of being able to pay off debt in a manageable and timely manner. Thank you Pacific Debt and your amazing customer service!"
Review from Trustpilot


"Absolutely Amazing! We were in so deep and so overextended that paying the minimum due was simply doing nothing to relieve the balance. We contacted a couple of the Debt Relief services and decided that Pacific was the best one for us. They took several thousands of dollars in interest away and we managed one low monthly payment for everything. We are in hopes that we have learned a lot about credit and that we don't ever get in that mess again, but we are truly thankful for and satisfied with Pacific. They kept us out of Bankruptcy."

Review from Trustpilot

Pacific Debt Reviews From BestCompany


BestCompany is a well regarded review website that collects reviews from both clients and professionals. Here are some five star reviews on Pacific Debt, a debt relief company, from BestCompany.


Amazing Free Consultation


"If my experience with the process is 75% as good as my experience with Ray I'm sure I'll be thrilled. Thank you Ray!"
Review from BestCompany


Better Than Other Debt Relief Companies


"I was working with another debt relief agency but I was very dissatisfied with the customer service experience. My monthly amount kept changing as they based my total on my credit report which I had informed them was still getting updated. This amount kept changing and it stressed me out so I canceled them."

Review from BestCompany


Outstanding Debt Relief Options


"I found Pacific Debt and spoke to Ray who has been fantastic. He was very understanding and helpful from the first chat. We texted a lot and emailed at first prior to speaking on the phone, and he understood my frustration. He built a plan based on my debt information in conjunction with credit report so that the list was complete. He was very thorough in explaining the program and made himself available to answer all questions immediately."

Review from BestCompany

Become One of Our Customer Reviews - Get Started Today! 

Verified Customer Review from Pacific Debt Relief

Becoming a Pacific Debt, Inc client is very simple. First, check to see if you meet Pacific Debt's program criteria for enrollment, which match common industry standards. These are:

  • Unsecured debt like credit cards, personal loans, medical bills, and other consumer debt enrolled
  • Have at least $7,500 in unsecured total debt to enter into enrolled debt
  • Be unable to make minimum payments on your unsecured debt
  • Live in a state in which Pacific Debt offers services and we are licensed
  • Be able to deposit money into a secure savings account

If you don’t meet these criteria but still need help, give Pacific Debt a call anyway - a client care team member will refer you to a trusted partner like other debt relief companies, including debt consolidation companies who can work with your unique financial situation.


Be aware of negative items on your credit report that could affect your debt settlement plan.


Pacific Debt is an accredited debt settlement company that focuses on helping people, not just enrolling them, no matter how much debt you may have.


Next, you need to enroll with Pacific Debt, Inc. Simply call 877-722-3328 for a free consultation or fill out a quick enrollment application online. You'll find our fees clearly explained and you'll understand how much debt you may be able to settle. You can then set up a client portal.


If you have questions, you can speak with a certified debt specialist first with no obligation. We will explain the entire enrollment process in detail and more about how Pacific Debt works to reduce your debt. As part of the enrollment process, we will also discuss how Pacific Debt interacts with credit bureaus to negotiate your debt.


Come visit the main Pacific Debt Relief headquarters in San Diego, California. You can make an appointment to speak with one of the representatives there. Once you are enrolled in Pacific Debt's program, we check to quickly determine your creditors and identify any negative items that are reported to credit bureaus. This lets us know how best we can help with your unsecured debt.


We also examine your available income, bank account, utility bills, expenses, credit score, and spending habits and develop a savings plan and savings account that fits into your budget. 


Next, we determine which creditors will be most receptive and start contacting them.


While Pacific Debt specialists are doing that, you stop making even minimum payments. Instead, you place the one monthly payment into an insured separate account. As we negotiate settlements with your creditors, that money is used to pay off the often discounted debt. 


You do not have to take out a loan as you do with a debt consolidation company. Since getting the best interest rates on loan products takes excellent credit, most people can not get good loan offers. Working hard to master your finances can help you avoid bankruptcy - always a last resort.


Your assigned debt specialist at Pacific Debt will be in contact with you every month to inform you of any updates and to address any concerns you may have. You'll also be able to reach your debt specialist anytime via phone calls or email. We go the extra mile to keep you aware of the entire settlement process.


We are an accredited debt settlement company with a great BBB rating and The Consumer Debt Relief Initiative. Customer satisfaction is always our main focus and your customer feedback is very important.


The debt settlement program usually takes between two to four years to complete, depending on your financial situation and might have an effect on your credit score. Pacific Debt clients pay a small fee of 15 to 20% of the total debt enrolled in the program. The industry standard is 25%, so our fees are very competitive. After the debt settlement process, you may choose to work with a credit repair company to address any remaining negative items on your credit report.

Verified Pacific Debt Customer Reviews

Take a look at Pacific Debt debt settlement services case studies in California, Florida, New York, Pennsylvania, Kentucky, North Carolina, Indiana, Texas, Oklahoma, Virginia, and more. These are only a few of the states where Pacific Debt operates.


* We do not operate in some states like North Dakota, Rhode Island, South Carolina, or West Virginia.


If you have questions or would like to speak with a Pacific Debt customer service agent, give us a phone call. You can be one of the many satisfied clients and look forward to a debt-free life and actually increase your savings account.


Pacific Debt has helped thousands of people reduce their debt using our debt settlement service. Since 2002, we've settled over $300 million in debt for our clients. Contact us today to see how we can help you become debt free.


Pacific Debt offers upfront fees, an accredited personal account manager, and peace of mind from your consumer debt.

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