Pacific Debt Relief Program

Elizabeth from Woodsboro Maryland Debt Relief Review

January 27, 2018

Last Updated: November 01, 2023


Pacific Debt Relief


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.

Elizabeth from Woodsboro Maryland Debt Relief Review

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.
Elizabeth
Woodsboro, Maryland Debt Relief Review
January 18, 2018
Provided by BestCompany

How Debt Relief Works


Our simple 3-step process for becoming debt-free:

  • Request a free debt analysis and consultation. We'll review your debts and monthly budget to craft a customized relief plan.
  • Stop collection calls and consolidate debts. We'll negotiate with your creditors to reduce interest rates and balances.
  • Make affordable monthly payments. We set up one monthly payment to us and we'll distribute it across your debts.

Types of Debt We Can Help With


Pacific Debt Relief can renegotiate and settle these common types of unsecured debt:

  • Credit cards
  • Medical bills
  • Personal loans
  • Payday loans
  • Private student loans

FAQs

  • How long does debt relief take?

    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.

  • Will debt relief hurt my credit score?

    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.

  • Are debt relief payments affordable?

    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.

  • What debts can you help with?

    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.

  • Is debt relief better than debt consolidation?

    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.

Get Debt Relief Today


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.

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