"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."Cathy
Why Choose Pacific Debt?
What makes Pacific Debt one of the Best Debt Consolidation Companies?
We know that getting help with your debt is a difficult decision. Trying to decide who to trust for help makes the decision all the more daunting. So why us? What makes Pacific Debt different than all of the other companies out there?
Ten reasons to speak with a Pacific Debt counselor todayGet a free quote!
Personal Debt Management
You are assigned a Personal Account Manager to guide you through the negotiation process. Other companies offer an online dashboard or legion of customer service agents. With Pacific Debt you will receive a personal level unmatched by our larger rivals.
No Upfront Fees
Be wary of any firm charging money up front before delivering results. We only earn money in this process when we settle a debt for you.
Our Enrollment Counselors are trained and certified by the International Association of Professional Debt Arbitrators.
5 Star Reviews
Look don’t take our word for it. Read thousands of 5 star reviews online at sites like Best Company, Consumer Affairs, Google and Trustpilot. In fact, in 2016, BestDebtCompanys.com ranked Pacific Debt #1 Overall amongst all debt relief providers.
16 Years of Experience
No one wants to be guinea pig. There are lots of companies popping up, many of them have been in business for just a couple of years. Do you want to enroll in a 3-4 year program with a company who has only been in business for two years? PDI has been helping consumers since 2002. We’ve settled hundreds of millions in debt and helped tens of thousands of clients.
No Credit Checks
Eligibility for our program is based on affordability and need. If you are in a position of financial hardship and your budget enables you to afford a program payment within our guidelines – we can help. If we can’t we will offer you some free advice or refer you to a Trusted Partner.
Real Counseling and Solutions
Everyone’s situation is unique and so there is not a one size fits all approach to debt relief. While our debt settlement program might be appropriate for some, it won’t work for many others. Our counselors assess your situation and offer you guidance and advice based on your situation. We have a network of Trusted Partners to help with all sorts of situations, including tax relief, payday loan consolidation, bankruptcy assessment, credit counseling and student loan consolidation.
We Reduce Your Debt, Not Just Interest Rates
A lot of debt consolidation companies offer to reduce your interest rates or require you to take out new loans. Our approach focuses on reducing your principle, allowing you to get out of debt faster than any other method short of bankruptcy.
Our program is tailored to your budget. We want to get you out of debt fast – but we also know that the program must be affordable or it won’t work. We complete a thorough budget analysis before getting you a quote, to ensure that you are set up on a program for success.
Pacific Debt is an Accredited Member of the Better Business Bureau with an A+ rating. We are also an Accredited Member of the American Fair Credit Council, which is the largest trade association in the debt settlement industry. In order to maintain our accreditation, we are audited each year by the BSI group to ensure our compliance with the AFCC standards.
"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."Shirley
"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."Denise