How Katherine In Michigan Retired Debt Free

Carrying excessive debt can feel like a heavy burden holding you back from achieving your dreams. Credit card balances, medical bills, student loans - it can all add up to a mountain that seems impossible to overcome.

But there is hope. With the right debt relief company guiding you, you can become 100% debt-free and get back on track to financial freedom.

At Pacific Debt, our team has helped thousands of clients resolve their debt through customized relief programs. Our flexible solutions can eliminate your debt in as little as 12 months while saving you thousands in interest payments.

We understand debt causes stress. That's why our dedicated account managers provide personalized support each step of the way. You'll never feel judged or shamed - just empowered.

Katherine's Debt Relief Journey

Name: Katherine

Age: 62

Location: Michigan

When did you enroll in our debt settlement program and how much debt were you facing?

I had about 23,0000.00 worth of debt with 2 credit cards.

Why did you choose Pacific Debt over the options and companies you researched?

When I was looking for a company, basically, I went thru and saw Pacific Debt, I called and was put in touch with Josh Hallas. In just speaking to him and his reassurances, I knew this was the company I was supposed to deal with. Josh explained the company and just what we would have to do and he sent me the paperwork, and that was that.

Tell us about your journey through the Pacific Debt program? Are there any special team members you would like to recognize?

I have had Josh Hallas primarily throughout my whole journey. There was another gentleman that I was dealing with, but then I was transferred back to Josh. The last person I dealt with was Bethany R. She was very helpful, but I was always transferred back to Josh.

How does it feel to be debt free? What are your financial goals moving forward?

It feels like a weight has been lifted off my shoulders and now I can retire knowing that I don’t have any financial debt hanging over my head.  That was and still is my primary goal. Without the help of Josh and the other folks that had my case, this probably wouldn’t have been possible – for me to retire without any debt. I want to thank all the people at PDI who were there for me when i needed that little push to get myself out of a sticky situation.  I would recommend PDI to anyone who was in the situation.

We know we are not perfect. What suggestions or advice would you offer to help us improve our program? All advice is welcome.

I can’t think of anything that you would need to change, all of your people are very kind, courteous and helpful. I thank them all from the bottom of my heart!!

The Debt Relief Process

The debt relief process with Pacific Debt involves several steps:

• Initial consultation - We discuss your unique situation and create a customized debt relief plan.
• Enrollment - You enroll in our program and we set up your dedicated account manager.
• Creditor negotiations - We contact your creditors and negotiate reduced settlements on your behalf. This typically takes several months.
• Payment plan - You make affordable monthly payments into a dedicated account. Funds are held until enough accumulates to make a settlement offer.
• Settlements - Once we settle with a creditor, funds are sent from your account to pay off that debt.
• Becoming debt-free - After all your accounts are settled, you are officially debt-free!

Why Pacific Debt?

Pacific Debt stands out from other debt relief companies because of our:

• Exceptional customer service - Our dedicated account managers provide personalized guidance and support.
• Experience and reputation - Founded in 2000, we have resolved over $1 billion in consumer debt.
• Compliance record - We follow all regulations and are accredited by top organizations.
• Flexible programs - We customize plans based on your unique finances and goals.
• Affordable payments - Our rates are competitive and designed to save you money.
• Peace of mind - Over 97% of our clients say they would recommend us to friends and family.

What's Next After Becoming Debt-Free?

• Rebuild your credit - Now that you've resolved your debt, you can start rebuilding your credit score over time. We guide how to improve your credit.
• Save for the future - Without debt payments, you can start saving for retirement, emergencies, and other goals. We offer resources on how to save and invest wisely.
• Achieve your dreams - Pursue new life goals without the burden of debt holding you back. Travel, start a business, buy a home - the possibilities are endless.

Debt Myths vs. Reality

Myth: Debt settlement ruins your credit score.

Reality: Your score may dip initially but will start improving once debts are resolved.

Myth: Debt settlement takes 5+ years to complete.

Reality: With our streamlined process, most programs take 12-48 months.

Myth: You'll have nothing left to save after settlement.

Reality: Our affordable plans help you eliminate debt while still building savings.

What Our Clients Say

• Marcia 
  "I was very happy with the service and experience I had with Rian when applying with Pacific. I was with another company and was not satisfied."
• Lakeshia 
  "Assisted me in saving money by setting up a much-needed debt program, but she also made it fun and freeing at the same time."
• Oscar 
  "This review is from the Pacific Debt Relief Program. Their customer service is just awesome! They were very patient to make sure I understood all the details."

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