San Diego Debt Relief Company

If you're searching for debt consolidation assistance in San Diego, you will find a number of different debt relief providers located in and around San Diego. Once you scroll past the paid ads from national companies, you will find a variety of credit counseling companies, bankruptcy attorneys, local credit unions, and a few debt settlement companies.

Get a FREE consultation today with no obligation.

We're proud to say that we're that company! We've been helping San Diego residents reduce their debt and we are here for you. Not only does Pacific Debt Relief operate in San Diego, California. Our debt relief program is available to most of the United States.

About Pacific Debt Relief

Pacific Debt Relief is a San Diego debt relief company founded in 2002 by Mr. Kevin Landie. Kevin was raised in San Diego and graduated from San Diego State University. After working in the San Diego debt consolidation industry for a number of years, Kevin started Pacific Debt in response to the rising tide of consumer debt in our country.

What separates Pacific Debt from many of its competitors is the company's focus on the consumer experience.

From your initial consultation to your program completion, you can expect to get expert one-on-one attention and the highest level of customer service from all of our departments.

Click here to see information on our Debt Relief program and how debt consolidation in San Diego works. We offer free consultations and can help you get on track to live debt free.

What to expect during the Debt Relief Program

You will speak with one of our Debt Specialists and review your personal situation, including all of your debts and your budget. We will customize a program that is affordable and which will allow you to be out of debt within 12-48 months in most cases.

Once you are enrolled, our Client Care team will begin to work with you to make sure that your program is set up for success. During the welcome call, we will review all of the program terms and aspects to ensure quality assurance.

Client Care will then touch base with you every couple of weeks for the first few months to make sure you know how to handle creditor calls, are sending in your creditor statements, and have provided us with any other documentation necessary to complete your file.

After approximately 90 days, your file will be assigned to one of the veteran Account Managers. Your Account Manager will be the one advocating on your behalf and negotiating with your creditors. Each time a settlement is reached, your personal Account Manager will reach out to you to review the terms and approve the settlement.

Our goal is always to reduce the original balance by half, but ultimately you are in control every step of the way, as we cannot proceed with a settlement unless it meets your standard. Once all of your debt is resolved, you will receive a completion package with copies of all the settlements for your records.

While most of our clients prefer doing consultations over the telephone, as a San Diego-based debt relief provider we are happy to do a face-to-face consultation for those living in Southern California.

In fact, many of our clients stop by each month to drop off copies of their creditor statements and to speak with their Personal Account Manager. We are located just east of downtown San Diego.

The bottom line is that you have a number of options when searching for firms to help consolidate your debt , but there is only one option that is local to San Diego, is Accredited with the Better Business Bureau and Consumer Debt Relief Initiative (CDRI) and offers personalized one-on-one service. That option is Pacific Debt.

Get a free consultation today!

Who is Eligible for the Pacific Debt debt settlement program?

You must meet the following:

• You have a total balance owed of at least $10,000 in unsecured debts (credit card debt, unsecured loans, payday loans, collections and repossessions, and some student loans).
• You are having difficulties making minimum monthly payments (you'll put what you can afford into a one monthly payment into a savings account) or making on time payments.

* Since not all states are included, not all clients can enroll in our company. People in other states can be connected to one of our trusted partners

Keep in mind that there are some tax consequences as well as temporarily decreased credit scores. Before deciding to pursue debt settlement, always discuss potential tax consequences with a tax professional who can provide you with tax advice.

Other Debt Relief Services

We are very proud of Pacific Debt's track record and of how many people we have been able to help. However, debt settlement is not for everyone. If you do not meet Pacific Debt's criteria, here are some other options you can check out. Our debt specialists can explain these in greater detail.

Debt Consolidation 

The debt consolidation option rolls all debt into a single, lower interest payment. You apply for a lower interest debt consolidation loan to complete your payment plan or make a lump sum payment, or work with a debt consolidation company. You then pay off that single loan. You may want to roll your credit card debt onto to a balance transfer credit card.

Click here to learn more about debt consolidation.

Credit Counseling 

Credit counseling helps you learn money management including developing a budget, helping you understand your credit report, and set up a debt management plan.

Click here to learn more about Credit Counseling.

Bankruptcy Filings

Bankruptcy is a last resort option – this legal action wipes out most of your debt, severely damages your credit for up to ten years, and is expensive and time-consuming. Speak with a qualified bankruptcy specialist before making any decisions regarding bankruptcy.

Click here to learn more about bankruptcy and bankruptcy filings.

Still Confused?

Click for a free consultation. We can help you get on track to live debt free.

Our San Diego location:
750 B St. Suite 1700,

San Diego, CA 92101

*Disclaimer: Pacific Debt Relief explicitly states that it is not a credit repair organization, and its program does not aim to improve individuals' credit scores. The information provided here is intended solely for educational purposes, aiding consumers in making informed decisions regarding credit and debt matters. The content does not constitute legal or financial advice. Pacific Debt Relief strongly advises individuals to seek the counsel of qualified professionals before undertaking any legal or financial actions.