How much does Pacific Debt Relief charge?

Pacific Debt Relief charges a percentage of your enrolled debt as their service fee. This ranges from 15-25% depending on your state and debt situation. There are no upfront fees.

How long does the debt relief process take?

The process typically takes between 2-4 years. Pacific Debt Relief will work with your creditors to negotiate debt reductions and set up a payment plan. The timeframe depends on your specific debt and how negotiations go.

Will debt settlement affect my credit score?

Yes, debt settlement may have an impact on your credit score since it involves negotiated payoffs of your debts for less than the full balance. However, Pacific Debt Relief can guide rebuilding your credit after becoming debt-free.

Can Pacific Debt Relief help with my student loans?

Unfortunately no. Student loan debt cannot be settled the same way as credit card or medical debt. However, Pacific Debt Relief can help come up with a budget and payment plan for managing student loans.

What debts can Pacific Debt Relief help with?

Pacific Debt Relief specializes in credit card debt, medical bills, personal loans, and other unsecured debt that can be negotiated. Your specific debt accounts will be evaluated in your free consultation.

William from North Pole Alaska Debt Relief Review

Last Updated: November 1, 2023

Overview of Pacific Debt Relief

Pacific Debt Relief is a leading debt relief company based in San Diego, CA. Founded in 2000, they specialize in helping consumers lower their debt through consolidation and negotiation of credit card and medical bills.

I got it through a personal recommendation. They are very thorough in what they do and cover everything. We got updated on things through emails and phone calls. They also called us occasionally to make sure that everything was good.

William
North Pole, Alaska Debt Relief Review
February 13, 2018
Provided by BestCompany

FAQs

How much does Pacific Debt Relief charge?

Pacific Debt Relief charges a percentage of your enrolled debt as their service fee. This ranges from 15-25% depending on your state and debt situation. There are no upfront fees.
How long does the debt relief process take?

The process typically takes between 2-4 years. Pacific Debt Relief will work with your creditors to negotiate debt reductions and set up a payment plan. The timeframe depends on your specific debt and how negotiations go.
Will debt settlement affect my credit score?

Yes, debt settlement may have an impact on your credit score since it involves negotiated payoffs of your debts for less than the full balance. However, Pacific Debt Relief can guide rebuilding your credit after becoming debt-free.
Can Pacific Debt Relief help with my student loans?

Unfortunately no. Student loan debt cannot be settled the same way as credit card or medical debt. However, Pacific Debt Relief can help come up with a budget and payment plan for managing student loans.
What debts can Pacific Debt Relief help with?

Pacific Debt Relief specializes in credit card debt, medical bills, personal loans, and other unsecured debt that can be negotiated. Your specific debt accounts will be evaluated in your free consultation.

How Pacific Debt Relief Works

See if Pacific Debt Relief's debt settlement program is right for your situation.

Our 3-step process includes:

We assess your debt and budget.
Negotiate with your creditors.
Settle your debt through manageable payments.

Why Choose Pacific Debt Relief?

Pacific Debt Relief can help you gain control of your finances again. See what real clients say about their experience with our debt relief services. Our proven process has helped thousands pay off debt for good.

Marcia "I was very happy with the service and experience I had with Rian when applying with Pacific. I was with another company and was not satisfied."
Lakeshia "Assisted me in saving money by setting up a much-needed debt program, but she also made it fun and freeing at the same time."
Oscar "This review is from the Pacific Debt Relief program. Their customer service is just awesome! They were very patient to make sure I understood all the details."

Ready to Become Debt-Free?

If you're struggling with high amounts of credit card, medical, or other debt, Pacific Debt Relief can help you finally eliminate it. Get your free debt relief consultation today. Our debt specialists will review your financial situation and explain your options for consolidating and settling your debts. There's no obligation to enroll.