Overview of Pacific Debt
Founded in 2002, Pacific Debt Relief provides customized debt settlement programs to help clients become free of credit card and unsecured debt. Our team of experienced debt experts works with clients to negotiate settlements with creditors and design affordable repayment plans tailored to each client's financial situation.
Key benefits we offer include:
- Free initial consultation and debt analysis
- Customized debt relief plans
- Expert negotiation of settlements with creditors
- Ongoing budgeting guidance and financial education
- Celebrating milestones and providing motivational support
Christopher’s Story
Name: Christopher
Age: 35
Location: California
When did you enroll in our debt settlement program and how much debt were you facing? How did carrying all of that debt make you feel?
We enrolled March 2016 in Pacific Debt’s program, with $23,176 in debt. Carrying that much debt made it almost impossible to make ends meet. We could make only minimum payments, and would immediately be checking balances and available credit to see which card we could use next. Purchases were for necessities, not fun or frivolous items. We lived credit card limit to credit card limit.
Tell us about your journey through the Pacific Debt program? Are there any special team members you would like to recognize?
Our journey through Pacific Debt’s program was worry free and easy. We were contacted immediately whenever something was needed, and we were informed of every step taken along the way. Brian LoBianco was amazing to work with! He took care of our account and our debts in the fastest way possible, never neglecting quality service, and ended up getting us great settlement agreements with our creditors. He was professional at all times, and we could tell that he cared about us and the assistance he provided.
How does it feel to be debt free? What are your financial goals moving forward?
It feels amazing to be debt free! One thing this program allowed us to do is learn how to live without using credit. By not being able to use our cards, and by lightening the load that we carried, we were able to manage our budget in a credit free way, realizing what we really needed, and what we could do without. Our financial goals are to continue to live completely free of revolving debt, not having to worry about paying high interest for what easily could have been the rest of our lives doing what we were doing before.
We know we are not perfect. What suggestions or advice would you offer to help us improve our program? All advice is welcome.
I honestly was completely satisfied. I will say, the first 6 months to 1 year of creditor/collector phone calls was nerve racking. Understanding that things had to get worse before they could get better was key, though it was still a time that worried us. Pacific Debt made sure we understood the process, and what to do with those calls and contacts, and that made all the difference. We knew Pacific Debt was in our corner the whole time.
The Pacific Debt Debt Settlement Process
Our debt specialists begin by conducting a free initial consultation to review the client's debts, income, expenses, and financial goals. Accounts are put into a managed status where we work to negotiate settlements while the client focuses on budgeting and making monthly payments into an account. Based on the client's specific situation, we develop customized proposals for each creditor and leverage our expertise to negotiate the best possible settlement offers. We help set up a monthly payment plan the client can afford while avoiding further debt accrual. Throughout the process, we provide budgeting guidance, and financial education and celebrate key milestones with the client.
Tips for Debt Freedom
Here are some tips that helped Christopher succeed that may help you too:
- Make a detailed budget tracking all income and expenses to see where you can cut back
- Prioritize paying off highest-interest debts first to save on interest charges
- Reduce expenses where possible - downsize housing, cut cable, lower utilities
- Avoid taking on new debt during the repayment period
- Celebrate progress milestones like paying off your first account
- Stick to your debt relief plan for the full program duration
You can also find more resources on budgeting, debt repayment, and improving your finances on our
financial education page. The journey to becoming debt-free may seem long, but taking it one step at a time will make it manageable. We're here to help guide you through the process.
FAQs
Take Control of Your Debt Today
If you're ready to become free of credit card and unsecured debt for good, the first step is to
schedule your free debt consultation with Pacific Debt.
We will review your unique financial situation, assess how much you currently owe, and determine if our debt relief programs are the right solution for you. Unlike going at it alone, we leverage proven negotiation tactics and expertise to settle your debts for a fraction of what you owe.
Don't wait - our customized programs and coaching can help you finally experience the freedom that comes with living debt-free. Your consultation costs nothing and comes with no obligations. Take that first step today and schedule your free debt consultation to start the journey.
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