Pacific Debt Reviews from Recent Customers

Trustpilot Pacific Debt Reviews

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The following Pacific Debt reviews are generated and verified through 3rd-party review companies such as Trustpilot, BestCompany, Better Business Bureau, TopTenReviews, and more.

View Original Pacific Debt Review from BestCompany

Pacific Debt Review Customer from Idaho

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. My monthly amount kept changing and it stressed me out so I canceled them. I found Pacific 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. 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!

View Original Pacific Debt Review from Trustpilot

Pacific Debt Review Customer from Idaho

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. 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!

View Original Pacific Debt Review from Trustpilot

Pacific Debt Review Customer from Idaho

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.

Debt Relief Customer Reviews for Pacific Debt

Read more testimonials from Pacific Debt customers.

Our customer reviews reveal that many people feel overwhelmed by debt and are confused about their debt relief options. These reviews also show how we have helped thousands of people feel more confident and to get through our 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.

Read through our reviews to see how our debt relief program helped countless people get the help they needed. The Pacific Debt customer service is unmatched in the debt relief industry. If you have a personal loan or any other type of unsecured loan, our debt relief program could greatly benefit you. We can possibly save you a substantial amount of money.

Pacific Debt Reviews & Ratings

Rated One of The Best Debt Settlement Companies of 2020 from both US NewsWorld Report and Bankrate.

Verified Company Reviews Ratings Reviews
Google 4.6 / 5 70
Consumer Affairs 4.6 / 5 538
Best Company 4.8 / 5 2,230
Better Business Bureau 4.9 / 5 34
Trust Pilot 4.6 / 5 669
Best Debt Companys 8.7 / 10 242
Top Ten Reviews 3.5 / 5 na
Crediful 4.4 / 5 na
SuperMoney 100% 8

Providing Debt Relief To the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Idaho, Indiana, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Mexico, New York, Oklahoma, Pennsylvania, South Dakota, Texas, Utah, Virginia, Wisconsin
* Other states can be connected to one of our trusted partners

How Does Pacific Debt Work?

The way our debt relief program works is, you simply call 1-800-909-9893 or fill out a quick enrollment application. Once we receive your information, we then run a soft credit check to access your credit report. This will help us determine your creditors and payment information. Your creditor information lets us know how we can best assist you with your debt, and if you qualify.

In our program, we can enroll those who have unsecured debt. From there we will determine our best approach with your creditors. We then will take a look at your available income, expenses, and spending habits. Once we examine your financial profile, we then can help agree on a low monthly fee that fits your budget.

If you decide to enroll in the program, you will have to stop making payments to your creditors. You’ll deposit monthly payments into your own escrow account and once you have enough funds built-up, your assigned debt specialist will start the debt settlement negotiation process with your creditors. Your assigned debt specialist will be in contact with you every month to inform you of any updates and to answer questions you may have.

The program usually takes anywhere from 2-4 years to complete, depending on your financial situation. Pacific Debt charges a fee of 15 to 20 percent of the debt enrolled in the debt relief program. The industry-standard fee is 25%, so our pricing is some of the most competitive in the industry.

The minimum requirement is that you must have at least $7,500 in unsecured debt to be eligible for our program. Don’t worry if you don’t meet the minimum requirements because we can refer you to one of our trusted partners who can help.

Read more testimonials from customers who have completed our debt relief program.

Trustpilot Pacific Debt reviews

Being in debt can be an awful feeling. You are probably getting phone calls from angry creditors, or feeling helpless to stop the debt cycle, or you may be completely baffled by the whole process.

Jayne said, “I was drowning…”  Another Customer wrote, “I was so stressed out…” If you feel like this, you aren’t alone. We can help you to feel better and achieve financial peace of mind.

Pacific Debt is here to help you. We can explain our debt settlement program and all your debt relief options and how our debt relief programs can benefit you. Debt can be a frightening place, but with help from a reputable debt relief company like Pacific Debt, you may be able to get some relief.

Ann reported, “I feel like a weight has been lifted on my shoulders…” Deborah said, “The folks at Pacific Debt Relief were easy to talk with, very helpful and knowledgeable.”

How do you find reputable debt consolidation companies to work with? First, check out their third-party debt consolidation company reviews. Our reviews include thousands of clients who consistently rate us as one of the best debt relief companies in the business. We care about our clients and our reviews show our dedication to each and every one of them.

Check out some of our happy debt relief customer feedback. “It has been a great decision and guidance.” – Heather.  Another customer wrote “Very professional. The agent was also very respectful and was not pushy or demanding.”

Don’t just take Pacific Debt’s word. The following companies rate our debt relief service based on independent reviews from Pacific Debt clients. For instance, our BBB debt relief ranking is 4.9/5 based on 39 BBB reviews.

Contact Pacific Debt today for your FREE Consultation. See how much money we can save you!

Next, check out the facts. Pacific Debt has been in business since 2002. At that time, we have helped thousands of people, just like you, to get debt relief. We have settled over $300 million in consumer credit card debt. We are an Accredited Debt Relief Provider with the AFCC and Better Business Bureau.

Have a look below to see what some of our satisfied customers are saying, and then get your FREE Consultation from one of our debt specialists today.

Take a look at our debt settlement case studies in California, Florida, New York, Pennsylvania, Kentucky, North Carolina, Indiana, Texas, Oklahoma, Virginia, and more. Pacific Debt is an accredited national debt relief company who can help you settle or potentially reduce your debt by a substantial amount.

We’ve been rated one of the best debt settlement companies from US News and World Reports. Talk to one of our debt relief representatives for free.

Read our reviews from Google to see what our customers say about us.

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"My dealings with the Pacific Debt representatives was a most pleasant experience. I started the program in October of 2012, my goal being to pay off all my credit card debt as quickly as possible."


"I just wanted to thank you for work you did for us on settling our credit cad debts. You were honest and explained everything you were doing in detail. I had a lot of confidence in you. I felt that I did the right thing in contacting your Pacific Debt and you to do by right by us."


"I just wanted to send a quick thank you for all you have done! It wasn't an easy couple of years financially, but I made it through! Thanks to you, Pacific Debt, I can now make a fresh start."

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