What types of debt does Pacific Debt Relief handle?

Pacific Debt Relief specializes in settling unsecured debt like credit cards, medical bills, personal loans, and more. They do not handle secured debt like mortgages or auto loans.

How much could I save using debt settlement?

Savings vary depending on your specific debt situation. Most Pacific Debt clients save between 25%-50% off their total owed by settling for less than the full balance.

Will debt settlement hurt my credit score?

Your credit score will likely drop initially when accounts go into delinquency. However, debt settlement can allow you to pay off debt faster which helps your credit in the long run.

How long does the program take?

The debt settlement process typically takes between 24-48 months. Accounts are usually settled within 12-24 months. The remainder of the program is making monthly payments.

Pacific Debt charges an initial consultation fee of $99-149. If enrolled, fees are 15-25% of your total enrolled debt balance. There are also monthly account fees.

Can I DIY debt settlement?

You can try to negotiate debt on your own but having a professional makes the process much easier and more effective. Pacific Debt has the experience, tools, and resources needed for the best settlements.

Zhanna from Columbia Maryland Debt Relief Review

February 12, 2018

Last Updated: November 01, 2023

Who is Pacific Debt Relief?

Pacific Debt Relief is a debt relief company based in San Diego, CA. Founded in 2002, they help consumers settle credit card, medical, and other unsecured debt through debt settlement programs. Their licensed professionals negotiate with creditors to reduce balances and create affordable payment plans.

Zhanna from Columbia Maryland Debt Relief Review

I'm satisfied with my decision of going with them. They've kept me informed of all my old charges. We speak regularly about what's going on and I can look up a report online on how my accounts are doing. I can do that anytime I need to. They're excellent. They've just resolved everything and thanks to them, instead of owing all my credit cards, I just have one left to pay.

Zhanna
Columbia, Maryland Debt Relief Review
February 12, 2018
Provided by BestCompany

Our Other Clients Say

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."

FAQs

What types of debt does Pacific Debt Relief handle?

Pacific Debt Relief specializes in settling unsecured debt like credit cards, medical bills, personal loans, and more. They do not handle secured debt like mortgages or auto loans.
How much could I save using debt settlement?

Savings vary depending on your specific debt situation. Most Pacific Debt clients save between 25%-50% off their total owed by settling for less than the full balance.
Will debt settlement hurt my credit score?

Your credit score will likely drop initially when accounts go into delinquency. However, debt settlement can allow you to pay off debt faster which helps your credit in the long run.
How long does the program take?

The debt settlement process typically takes between 24-48 months. Accounts are usually settled within 12-24 months. The remainder of the program is making monthly payments.
What are the fees?

Pacific Debt charges an initial consultation fee of $99-149. If enrolled, fees are 15-25% of your total enrolled debt balance. There are also monthly account fees.
Can I DIY debt settlement?

You can try to negotiate debt on your own but having a professional makes the process much easier and more effective. Pacific Debt has the experience, tools, and resources needed for the best settlements.

Ready to Become Debt-Free?

After reading Zhanna's review, you may be wondering if Pacific Debt Relief is the right choice for your debt situation. The best way to find out is to speak with one of their knowledgeable debt consultants for a free consultation.

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✔ Accredited by Better Business Bureau with BBB A+ rating (4.93 rating and 1678 reviews)

✔ US News and World Reports and Bankrate ranked Pacific Debt Relief as one of “The Best Debt Relief Companies of 2024”

✔ 6.9 star rating by BestCompany.com (over 2379 client reviews)

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✔ ConsumerAffairs.com Accredited (over 544 verified reviews with an average rating of 5 stars)

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✔ 4.6 star rating by Google (229 client reviews)

✔ 100% rating by SuperMoney (9 client reviews)

Pacific Debt Relief

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Pacific Debt Relief

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