Last Updated: October 27, 2023
Pacific Debt Relief is a debt relief company that helps consumers get out of debt faster by lowering monthly payments and settling debts for less than what is owed. We offer customized debt settlement programs as well as debt management plans.
With over 15 years of experience and tens of thousands of clients, Pacific Debt Relief has the expertise to provide the right debt relief solution. They have settled over $1 billion in credit card, medical, and other unsecured debt.
Jeremy S took my initial call. He was sensitive to my situation and really put me at ease. Within an hour i was looking at a new budget which i could easily handle. The repayment period was reduced to 36 months. All the paper work was emailed to me and he guided me through the document explaining the entire process. Thank you Jeremy, you showed me kindness and courtesy , both of which are uncommon in today's society.
Debt settlement involves negotiating with creditors and debt collectors to settle your debts for less than the full amount owed. The debt settlement company will put funds aside each month to save up enough to make settlement offers. Once a settlement is reached, the creditor agrees to forgive the remaining balance.
We help settle credit card debt, medical debt, personal loans, and other unsecured debt obligations. We do not handle mortgages, auto loans, student loans, or any secured debt.
Debt settlement may negatively impact your credit score temporarily while you are settling debts, but it will start improving once debts are paid off. The late payments and defaults will also stay on your credit report for 7 years. We guide you to help you rebuild credit during and after the program.
On average, clients save 40-60% of their total debt through our debt settlement program. The amount of savings depends on your specific financial situation and ability to set aside funds.
Our fees typically average 15-25% of the enrolled debt amount, but we provide a free analysis to give you an exact quote before enrolling. Fees can be spread out throughout the program.
The process usually takes around 24-48 months depending on your financial situation. We help you get set up right away so you can start saving settlement funds as soon as possible to get debts resolved quickly.
If you're struggling with debt, Pacific Debt Relief may be able to help. Get a free debt consultation to see if their debt relief programs are right for your situation.
We can analyze your finances, explain your options, and help you develop a personalized debt relief plan to become debt-free.
750 B Street Suite 1700 San Diego, CA 92101
Mon-Thurs: 6am - 7pm PST
Friday: 6am - 4:30pm PST
Saturday: 7:30am - 4:30pm PST
Phone: (877) 722-3328
Fax: (619) 238-6709
cs@pacificdebt.com
Phone: (833) 865-2028
Fax: (619) 238-6709
inquiries@pacificdebt.com
Phone: (833) 865-2028
Fax: (619) 238-6709
creditorinquiries@pacificdebt.com
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*Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.
*Your visit to our website may be monitored and recorded from essential 3rd party scripts.
*Clients who make all their monthly program deposits pay approximately 50% of their enrolled balance before fees, or 65% to 85% including fees, over 24 to 48 months (some programs lengths can go higher). Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. We are not a credit repair firm nor do we offer credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. We are licensed where we engage in business. NMLS # 1250953. The use of our services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S. 12-03825.