Pacific Debt Relief Program

Donna from Mililani Town Hawaii Debt Relief Review

February 14, 2018

Last Updated: November 08, 2023


Who is Pacific Debt Relief?


Pacific Debt Relief is a debt relief company helping consumers lower their debt through debt settlement and management programs. Founded in 2002, we have over 20 years of experience negotiating with creditors to reduce balances and create affordable payment plans for our clients. Our mission is to provide caring, ethical service to help people regain financial freedom.

Donna from Mililani Town Hawaii Debt Relief Review

It took me a while to call in and take that first step to clear up my credit. I was very reluctant to call. However, after talking to Richard, I felt a whole lot better about my situation. Although I am just starting, I feel that this is going to work for me.
Donna
Mililani Town, Hawaii Debt Relief Review
February 14, 2018
Provided by BestCompany

Key benefits Donna experienced:

  • Fast and friendly service
  • Felt more hopeful about her financial situation
  • Expert guidance on debt relief options

What We Offer


Pacific Debt Relief helps people reduce and eliminate debt through two main programs:

  • Debt Settlement: We negotiate with your creditors to settle accounts for less than you owe. Typically save 40-60% off your balances.
  • Debt Management: We set up a monthly payment plan to pay down your debt over 3-5 years with reduced interest rates.

Both options can help you get out of debt faster and save money. Our dedicated debt experts walk you through the pros and cons of each program and create a customized plan to fit your needs and budget.


The process is simple - get a free consultation, enroll in a program, make monthly payments to us, and we handle the rest! Most people complete our debt relief programs in 2-4 years.


FAQs

  • Does debt settlement hurt my credit?

    Debt settlement may negatively impact your credit initially when accounts are settled, but can improve it over time as balances are paid off.

  • How much does your service cost?

    Our fees are 15-25% of your enrolled debt, depending on the program chosen. For example, if you enroll $20,000 in debt, our fee would be $3,000 to $5,000. Fees can be spread out over the course of the program.

  • What debts can you help with?

    We can help with unsecured debt like credit cards, medical bills, personal loans, and more. We do not handle mortgages, auto loans, or federal student loans.

  • How long does the process take?

    Most debt settlement programs take 2-4 years from start to finish. The timeline depends on your financial situation. With consistent payments from you, we can negotiate and settle accounts within 12-48 months.

  • Will creditors sue me or garnish my wages?

    When accounts are in our program, creditors are less likely to pursue legal action. We set aside funds to make settlement offers before accounts become delinquent. As long as you make your program payments, we can prevent lawsuits.

  • When will creditors stop contacting me?

    Once enrolled, we send letters requesting creditors stop communication with you. It may take 30-90 days for them to process the requests and stop calls and letters. If any do contact you, let us know and we will intervene.

  • How are my monthly payments determined?

    We conduct a financial review to determine an affordable monthly payment amount based on your budget. Many people start around 1-2% of their total enrolled debt.

Ready to Become Debt-Free?


If you're struggling with high-interest credit card balances, medical bills, or other unsecured debt, Pacific Debt Relief can help.


Next Steps:

  • Get your free debt relief consultation. Speak to a certified debt specialist about your situation.
  • Learn about your debt relief options. We'll explain debt settlement, debt management, and other programs to find the right fit.
  • Enroll and start your client journey. We'll set you up with an affordable monthly payment plan and get started negotiating your debt.

Take control of your finances and start getting out of debt today! Book your free consultation!

Are you ready for debt relief help now?

Get Free Consultation

Pacific Debt Relief

Pacific Debt Relief

Pacific Debt Relief

Pacific Debt Relief

Reduce Your Credit Card Debt By Up to Half

By clicking "Submit" you agree to the Terms of Use which includes the mandatory arbitration and Privacy Policy, and authorize Pacific Debt Inc. to use an autodialer and pre-recorded messages to contact you regarding its offers and services via email and/or telephone calls at the telephone number provided, even if it is a wireless number and even if you have registered with a Do Not Call list. This consent is not required to make a purchase.

BBB Reviews | 4.9/5.0 Rating

A woman looking at a piece of paper, considering how being a cosigner might affect her credit.

The Ultimate Guide to Cosigning and Your Credit: Everything You Need to Know

By Jason Guadayo • August 5, 2024
Discover how cosigning a loan or credit card can impact your credit score. Learn the risks, responsibilities, and ways to protect yourself as a cosigner. Get expert advice on navigating the world of cosigning and maintaining your credit health.
A man with an alarm clock thinking about his Credit Card Late Payment Excuses and How to Tackle Them

Common Credit Card Late Payment Excuses and How to Tackle Them

By Jason Guadayo • August 2, 2024
Discover the top credit card late payment excuses and learn effective strategies to address them. Our comprehensive guide provides practical solutions for facing the challenges of overdue credit card payments.
Seniors with their arms in the air as a sign of Debt Forgiveness and Stability in Retirement

A Senior's Guide to Debt Forgiveness and Stability in Retirement

By Jason Guadayo • May 20, 2024
Discover comprehensive strategies and resources designed to help seniors navigate debt forgiveness options, achieve financial stability, and enjoy a debt-free retirement. Take control of your financial future today.
A woman with her back turned, arms raised high, embodies the triumph of conquering financial debt.

Overcoming Debt with Compassion: Charlotte's Testimonial of Pacific Debt Relief

By Jason Guadayo • April 26, 2024
Charlotte's story with Pacific Debt Relief: overcoming financial struggles with empathy and expert guidance for a fresh start. Begin your debt relief journey.
A man is standing on a cliff looking at a red percent sign emphasizing Credit Card Interest.

A Complete Guide to Avoid Credit Card Interest: Strategies, Tips, and Tricks

By Jason Guadayo • April 24, 2024
Learn how to avoid interest on credit cards with our new guide. Discover strategies like leveraging grace periods, paying balances in full, and using balance transfer cards to minimize interest charges and take control of your financial future. Our expert tips and advice will help you navigate the world of credit cards and break free from high-interest debt.
A man in a suit is holding a briefcase and a badge that says 2024 's best debt relief companies.

Pacific Debt Relief Secures a Spot in April 2024's Best Debt Relief Companies for Exceptional Low Fees

By Jason Guadayo • April 22, 2024
Discover why Pacific Debt Relief secured a spot among April 2024's top debt relief companies. With exceptionally low fees, we set the standard for affordability and effectiveness in debt relief solutions.
Show More
A woman looking at a piece of paper, considering how being a cosigner might affect her credit.

The Ultimate Guide to Cosigning and Your Credit: Everything You Need to Know

By Jason Guadayo • August 5, 2024
Discover how cosigning a loan or credit card can impact your credit score. Learn the risks, responsibilities, and ways to protect yourself as a cosigner. Get expert advice on navigating the world of cosigning and maintaining your credit health.
A man with an alarm clock thinking about his Credit Card Late Payment Excuses and How to Tackle Them

Common Credit Card Late Payment Excuses and How to Tackle Them

By Jason Guadayo • August 2, 2024
Discover the top credit card late payment excuses and learn effective strategies to address them. Our comprehensive guide provides practical solutions for facing the challenges of overdue credit card payments.
Seniors with their arms in the air as a sign of Debt Forgiveness and Stability in Retirement

A Senior's Guide to Debt Forgiveness and Stability in Retirement

By Jason Guadayo • May 20, 2024
Discover comprehensive strategies and resources designed to help seniors navigate debt forgiveness options, achieve financial stability, and enjoy a debt-free retirement. Take control of your financial future today.
Show More