Last Updated: November 01, 2023
Pacific Debt Relief is a debt relief company that helps consumers settle their credit card, medical, and other unsecured debt for less than they owe. We negotiate with creditors on your behalf to reduce balances and get you on a path to being debt-free.
I called Pacific Debt and they got all my records, and they then made the payments on my credit card debt. The process was very easy and their reps have treated me very well. However, I'd like for it to have gone a little quicker, but it's been paid now. I would recommend Pacific Debt to a friend.
The debt relief process typically takes between 24-48 months depending on your specific situation. We'll provide an estimated timeline during your free consultation.
There may be a short-term impact on your credit score as accounts get settled, but in the long run, eliminating debt will help improve your credit utilization ratio. We can advise you on rebuilding credit after debt relief.
Yes, we customize an affordable monthly payment plan based on your budget and debts. On average, your monthly payment to us is 30-50% less than you currently pay to creditors.
We help settle credit card debt, medical bills, personal loans, payday loans, and some private student loan debt. Secured debts like mortgages and auto loans do not qualify.
Yes, debt relief is better because your balances get reduced rather than just consolidated into a new loan. Debt consolidation only delays paying off debt, while relief lets you become debt-free faster.
If you're struggling with debt and looking for help, schedule a free consultation with our experts. We'll review your situation and create a customized debt relief plan to help you finally 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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*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.