Last Updated: November 1, 2023
Pacific Debt Relief is a debt relief company that helps consumers negotiate with creditors to settle debts for less than what is owed. Their debt settlement services provide a customizable program to become debt-free.
My husband did the research and really liked them. From the very beginning they were very flexible with me. At first they wanted 22% of the debt payments but we were able to negotiate and got it down to 20%. They're flexible and helpful like that. They always get back to me whenever I have questions and communicate really well through emails. They were all very detail oriented. We got letters, emails, and phone calls too whenever they needed to communicate with us or give us updates. They talked with the creditors and negotiated great savings for us. They explained what they were going to do, but also how they'd do it. They also told us how to handle things and how to go about doing what we needed to do. They were very thorough and always went the extra mile for us. I'm relieved that I did it, I'm completely out of debt now. I'm very happy I went with it.
Debt settlement involves negotiating with creditors to settle debts for less than the full amount owed. A debt settlement company like Pacific Debt Relief will work on your behalf to negotiate settlements that reduce your debt.
Yes, debt settlement may have an impact on your credit score since you are not paying back the full amounts owed. However, Pacific Debt Relief aims to help you become debt-free, which can allow you to rebuild your credit over time.
The debt settlement process typically takes around 2-4 years depending on your unique financial situation. Pacific Debt Relief will provide a customized timeline during your free consultation.
Pacific Debt Relief's fees range from 15-25% of the total enrolled debt amount, depending on your state. The fee is spread out throughout the program. There are no upfront fees.
In most cases, yes. Pacific Debt Relief will advise you to stop making payments so that funds can be set aside in a dedicated account to later pay negotiated settlements.
Pacific Debt Relief offers customized payment plans to fit your budget. Based on a free financial review, they can determine an affordable monthly payment to complete debt settlement over time.
If you're struggling with high amounts of debt, Pacific Debt Relief can help. Their customized programs negotiate with your creditors to settle debts for less than you owe. Learn more about their services and take the first step towards becoming debt-free today.
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.
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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. Pacific Debt, Inc. is registered with the California DFPI under the CCFPL registration number 01-CCFPL-1250953-3419036.