Get in touch
(833) 865-2028
inquiries@pacificdebt.com
California Debt Relief Reviews
Reduce Your Credit Card Debt By Up To Half
Pacific Debt Relief offers the only financial solution that significantly reduces your debt to less than you currently owe. That means you could be debt-free in a fraction of the time it would take with other options.
Save thousands by lowering your debt balance and wiping away years of future interest and payments.
Call today for a FREE consultation!
For over 20 years our debt relief program has helped clients change the trajectory of their financial lives. Our work has impacted families and future generations. We are a debt relief company that provides exceptional customer service and works diligently to maintain your trust throughout our entire process.
Don't just take our word for it, read our video testimonial reviews. We're rated A+ and fully accredited by the Better Business Bureau (BBB). We have thousands of reviews and testimonials highlighting we are trustworthy, we keep our word, we have a friendly dedicated customer care team, we offer tailored programs to suit your unique needs, and offer ongoing encouragement throughout the process of becoming debt free.
During your free debt relief consultation we will listen closely to your financial situation and create a tailored program to get you debt-free faster than you thought possible. We have helped hundreds of thousands of clients resolve millions in consumer debt. We are ready to help you get out of debt!
California Debt Relief Reviews & Ratings
What is California Debt Relief?
Pacific Debt Relief is a leading debt settlement company located in San Diego, California with an excellent track record and reputation. We negotiate your credit card debt with your creditors to lower the amount you owe on your total debt.
If you're struggling under the burden of high-interest debt in California, you're not alone. Pacific Debt Relief understands the stress of mounting bills and aggressive creditors. As a top-rated debt relief company based in San Diego, we have years of experience helping Californians find financial freedom.
Our certified debt specialists can analyze your unique situation and explain all your debt relief options, including our customized debt settlement program. With no upfront fees, we won't charge you until we've successfully negotiated your debt balances down and set you up on an affordable payment plan.
Get a FREE consultation today with no obligation. We will explain all your options and help find the best one for you.
Debt Relief Programs in California
Pacific Debt has one of the best-rated debt relief programs available for California residents who are eligible for our California debt relief program. Best of all, our program doesn't require any upfront fees!
The debt settlement process can impact your credit score in the short-term. But once completed, most of our clients see rapid credit score improvements as the reduced debt balances are reflected. We can help you weigh the pros and cons and determine if our California debt relief solution is your best path to becoming debt-free.
On average, California residents have roughly $8,900 in credit card debt and $55,000 in total debt from credit cards, auto loans, medical bills, and student loans. With high cost of living, this substantial debt burden makes relief programs an attractive option for struggling households.
Don't keep struggling under high-interest debt. Call Pacific Debt today for a free consultation and take the first step towards financial freedom. Our dedicated debt specialists are ready to help you.
If you live in the state of California and are looking for the best debt relief programs California has to offer, call us today. Our debt experts will help guide and explain all your options so you understand them well. Our California debt relief program can be custom tailored to fit your budget.
If you are interested in our California debt relief program but still on the fence. Read our debt relief reviews from Los Angeles, San Diego, and San Francisco.
Does Debt Settlement Work?
Yes! Reputable debt settlement companies, especially Pacific Debt Relief, can help you to live debt-free. We have great debt relief reviews so check them out. Always do your research and read the reviews from all the different debt settlement companies you find on your search.
No balance transfer credit card, no debt consolidation loan, no personal loans, no home equity loan - just lower interest rates, helpful resources, and low total monthly payments and upfront fee disclosures to help you eliminate debt faster and improve your personal finances.
We are one of the leading debt relief companies in the US. Pacific Debt has helped thousands of people reduce their outstanding balances, including credit card debt and personal loans. Since 2002, we've settled a national average of over $300 million in debt for our clients.
As you can see, we are a legitimate debt relief company and we work directly with the credit card companies to help reduce your debt. Get your FREE debt savings estimate today from Pacific Debt!
On average, our debt settlement programs help clients settle their debts for 30-50% less than the total amount owed. This leads to thousands in savings and a reduced principle balance. We can explain everything in a
free consultation.
Pacific Debt Relief Accreditation
Pacific Debt Relief is accredited by:
- Consumer Debt Relief Initiative
- International Association of Professional Debt Arbitrators
- Better Business Bureau
The Federal Trade Commission, a government program, also oversees debt relief companies. Always check the accreditation of debt relief companies as there are debt relief scams.
What California Consumers can expect from our Debt Settlement Services
- Monthly payments based on your budget
- Resolve your situation in 2-4 years, based on national average
- No fees upfront and low monthly fees- fees vary from 15-25% of the total enrolled amount and state of registration
- Personal attention from your assigned Account Manager and Certified Debt Specialist
- Develop a debt management plan and lower negotiated rate and possibly decreased interest rates. This is not full balance debt resolution.
- Excellent Customer Service & Support
- We negotiate decreased balances and lowered interest rate with individual creditors holding unsecured debt
- We don't lend money and your financial data is safe with us!
- No unsecured personal loans needed
While bankruptcy may seem easier than our debt settlement program, the after-effects of bankruptcy may last at least ten years and can result in poor credit ratings and less than a good credit score.
A Debt Relief Company in San Diego, California
One of our certified credit counselors can help you understand all your debt relief options and what your best route of action would be. We can also give you a FREE savings estimate to see how much money we can help save you each month.
Pacific Debt has one of the best debt relief programs for California residents who are eligible for our program. We know what it's like to have high-interest rates for unsecured loans, medical bills, or student loans.
If you live in the state of California and are looking for your best option for reducing your debt, call us today. Our debt experts will help guide and explain all your options so you understand them well. Our California debt settlement program can be custom tailored to fit your budget.
Our office headquarters is located in sunny San Diego, California. If you live in the San Diego area, a debt relief specialist can help you with debt consolidation, debt relief, debt counseling, and any questions you may have about an existing debt.
View our verified Google reviews and see what our customers are saying about our debt relief program and how its helping them.
Pacific Debt Relief's Debt Relief Program
Pacific Debt Relief, located at 750 B Street Suite 1700 in San Diego, CA 92101, has over 20 years of experience helping consumers through our customized debt relief programs. Our dedicated team of certified debt specialists can explain how our debt settlement process works during a free consultation.
We will analyze your unique financial situation and explain what you can expect with our program. Our individually-tailored plans help clients pay down unsecured debt through affordable monthly payments into a dedicated savings account. As you save, our San Diego negotiators work directly with your creditors to settle accounts for less than you owe. We offer an ethical solution to be debt-free faster.
California Better Business Bureau
Pacific Debt is an A+ rated Business with the Better Business Bureau for debt negotiation services to individuals and families struggling with unsecured debt. We have been accredited since 2010 and in business since 2002.
We specialize in California debt relief and the settlement of unsecured debts like personal loans, medical debt, unsecured debts, and credit card debt. We understand how credit card debt piles up and can become a major problem.
We have helped thousands of people in California with our accredited debt relief program. Call us today, we can help you too! We can help you understand all your financial options and create a debt management plan with our debt settlement specialists.
Read our California debt relief reviews and case studies to see how Pacific Debt helped people eliminate their total enrolled debt. We have a staff of dedicated debt settlement negotiators who are ready to help you negotiate with your creditors. We have California debt relief reviews from our customers in Los Angeles, San Diego, Madera, and San Francisco.
Be aware that your credit report and average credit score may take a hit during a debt settlement program but should recover with time.
Take a look at our debt relief reviews from verified customers to see debt settlement work.
View our NMLS Consumer Access Verification Details
Visit our Google page and review our debt relief reviews from verified customers
Call Us for Immediate Debt Relief Service
California Debt Relief Help
Click here to get your FREE Consultation & Savings Estimate
We can help you and your family with debt relief in the state of California. We are also a national company and have contacts all over the US.
Remember, we offer a free consultation and analysis. You may also want to enroll in a complete credit counseling program.
Our dedicated certified financial counselors can walk you through all of your debt relief options to find the right solution for your unique situation. Whether it's debt settlement, credit counseling, debt consolidation, or bankruptcy, we will explain the pros and cons of each.
With over 20 years of experience, we have helped thousands of Californians find financial freedom. Our debt relief programs can reduce high-interest credit card balances, medical bills, personal loans and more.
Take the first step and contact us today to start breathing easier. Getting reliable, ethical debt help is a phone call away. We're here to provide real California debt relief.
The State of California
California has been a go-to destination for centuries. From beaches to deserts to snow covered mountains, California has something for everyone. As a result, California is ranked #1 for population and #13 for population density.
As of 2017, over 39 million people called California home. Los Angeles is the second largest city in the US and two other cities (San Diego, San Jose, and Sacramento) are in the top ten largest US cities.
California Median State Income
The median state income is $67,739. As of 2018, the minimum wage is $11 per hour. That may seem like a lot of money to some people, but in reality, it doesn't go very far in California. In fact, 18.6% of Californian children under 18 live in poverty.
For residents overall, 14.3% of all people in California live under the poverty level.
- Median state income: $67,739
- Minimum wage: $11/hour
- Children in poverty: 18.6%
- People in poverty: 14.3%
Is California a Community Property State?
California is a community property state. Therefore your assets are seen as equally owned by you and your spouse.
There are 10 community property states in which the state sees your assets as community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.
California Homeowners
Just over half (54.1%) for Californians hold a mortgage. However, the median home price in California topped $600,000 (2018) for the first time. That means that half of the available homes are over $600,000, making a home in California an expensive proposition.
- Homeowner rate: 54.1%
- Median home price: $600,000
Mortgage Forgiveness Debt Relief Act 2014 - 2016
California Employment at a Glance
California has a current unemployment rate is 4.3%. However, the underemployment rate is 11.3%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.
- Unemployment: 4.3% (2018)
- Underemployment: 11.3% (2017)
This can put people in a serious financial situation and financial hardship can be right around the corner.
If this is you, we can help. Pacific Debt offers California debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.
Debt Statistics in California
Most people living in California carry a lot of debt. The average credit card debt is $8,971 (2017). The average medical debt per person is under $4,000. The average student loan debt is lower than the US average but is $28,950.
When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Californians to get into debt.
According to creditcards.com, the average credit card interest rate sits at 17.73% for 2019. The Pacific Debt California debt relief program plays an important role in helping people consolidate and settle their debt and work directly with the credit card companies.
Average California credit card debt: $8,971 (2017)
Average California medical debt per person: >$4,000 (2016)
Average California mortgage debt: $334,925 (2016)
Average California student loan debt: $28,950 (2016)
Call us today to find out more information about your California debt relief options.
California Statute of Limitations
California's statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.
Following are the California debt statute of limitations for different types of debt.
- Oral agreements: 2 years
- Written contracts: 4 years
- Promissory notes: 4 years
- Credit card debt other revolving loans: 4 years
- Auto loans: 4 years after first delinquency
- Personal loans: 4 years
- Medical debt: 4 years
- Federal student loans: No limit, unless discharged in bankruptcy
- Private student loans: 4 years
Knowing the statute of limitations is important when weighing debt relief options. Once past the statute, creditors lose the ability to successfully sue to recover the debt. However, the debt still exists minus the collection rights.
The statutes vary based on debt type and time since delinquency. This provides California consumers certain protections regarding old debts. Discuss your specific situation with a debt specialist.
Understanding California's statute of limitations on debt is important when weighing your debt relief options. Contact our team at Pacific Debt Relief in San Diego to discuss your specific situation. Our debt specialists can explain how the statutes apply and advise if creditors are acting illegally when trying to collect on old debt.
California Debt Relief
California debt relief is usually a debt settlement program that helps people living in the state of California to negotiate and settle their unsecured debts for less than the full amount owed.
Most California debt relief companies typically require that you have at least $7,500 in unsecured debt in order to be eligible for their services.
Debt settlement works by working directly with creditors and collectors to agree upon a reduced lump-sum settlement payment. This allows the account to be settled for often 30-50% less than the total amount owed.
Other common unsecured debts that can be negotiated through California debt settlement include:
- Credit cards
- Medical bills
- Personal loans
- Utility bills
- Payday loans
Debt settlement provides a way to significantly reduce balances owed and become debt free much faster than options like debt management plans and debt consolidation loans.
However, debt settlement is not right for everyone. It can temporarily impact your credit score and is best suited for those facing serious financial hardship. Find out how to raise your credit score by 100 points.
Debt Settlement
A debt settlement is an agreement between a creditor and debtor to settle a debt for less than the amount owed. This can be a great debt relief option for anyone looking to reduce their debt substantially.
If you have more debt than you can pay off, Pacific Debt can help you with California debt settlement and learn to live debt-free. Since 2002, we've settled over $300 million in debt for thousands of clients.
We are a nationally top-ranked company specializing in debt settlement and we have helped countless California residents with our national debt relief. Contact us today so we can help you too! Remember we offer free debt analysis and can recommend a good credit counseling agency.
We will help you work through our proven and comprehensive debt relief program that involves one monthly payment into a savings account. We may encourage you to enroll in a debt management plan. We'll help you understand each debt relief option you have available.
Debt Management Plan
You may have heard of a debt management plan to assist you in paying back your debt on time. A (DMP) is a voluntary agreement between a debtor and his creditors to repay a portion of the outstanding debt under the terms of the agreement, the debtor agrees to make monthly payments to a credit counseling agency, which in turn will distribute the money among the debtor's creditors.
A debt management program can be helpful for consumers who are struggling to manage their debts, but it's important to note that not all creditors will agree to participate in a DMP.
Your certified debt settlement counselor will review all your debt options. If California debt settlement is right for you, we move forward with our debt settlement program and work to save money on your enrolled debt. Enrolled debt can include unsecured debt like credit card debt, medical bills, personal loans, and other unsecured debt.
Debt negotiation is not an easy process and it won't happen overnight, but you can do it. Pacific Debt will be there every step of the way to help. We work with credit card companies everyday reducing debt for our customers.
Call us and ask our award winning debt specialists about our California debt settlement program and how it can help you reduce debt faster. Other debt relief providers may not be able to meet our company standard of excellence.
Since we are a national debt relief company, we may be able to help your relatives as well. If we can not, we will refer you to other California debt relief programs including debt consolidation programs that we trust.
We are leading debt relief company and we want you to be able to trust our recommendations. We have established lines of communications in place now with most credit card companies and creditors so we can do everything we can to help you become debt free.
Our debt relief specialists are ready to help you achieve your goals and get through any financial hardship you might have.
Other Debt Relief Options
We are a California debt settlement company and have discussed debt settlement is detail. The quick version is we negotiate with your creditors to lower the debt amount of unsecured loans, like credit cards and helps you to save money in order to settle debts.
Click here to learn more about debt negotiation and our debt settlement program.
However, we do want you to understand your other debt relief options. These include debt consolidation, credit counseling, and bankruptcy. We will explain those more below.
Debt Consolidation
Debt consolidation programs are a common debt relief option that rolls all your debt into a single, lower interest payment. You apply for a lower interest loan to pay off the debt or work with a debt consolidation company.
Always be very careful and make sure to research all the debt consolidation companies first before contacting them. Read their company reviews to find out more about their program.
Click here to learn more about debt consolidation.
Credit Counseling
This debt relief option helps you learn money management including developing a budget, helping you understand your credit report, and set up a debt management plan. Click here to learn more about Credit Counseling.
Bankruptcy in California
Bankruptcy is a last resort debt relief option – this legal action wipes out most of your total debt, severely damages your credit for up to ten years, and is expensive and time-consuming.
If you are filing for bankruptcy in the state of California, there are a few important steps that must be taken to ensure that the process goes smoothly.
First, it is important to have all of your financial paperwork and documentation ready so that you can accurately complete all necessary forms. You should also seek out legal advice or representation from an attorney who specializes in bankruptcy law in order to maximize your chances of success during the bankruptcy process.
Next, make sure you thoroughly understand the different types of bankruptcies available (Chapter 7 bankruptcy and Chapter 13 bankruptcy) and which one best suits your current needs.
Once you have completed the steps above, compile a list of creditors and determine what type of debt you may include as part of filing for bankruptcy in California.
California Bankruptcy Court Information
Bankruptcy is a legal action that can erase most of, if not all of your total debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in California Bankruptcy law.
Persons filing for bankruptcy must:
- Complete credit counseling within six months before filing for bankruptcy.
- Complete a financial management instructional course after filing bankruptcy.
- Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
- Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
- Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
- File for bankruptcy
- Chapter 7 bankruptcy fee is $306
- Chapter 13 bankruptcy fee is $281
- Meet with court assigned bankruptcy trustee
- Attend a Meeting of Creditors
- Confirm plan if filing for Chapter 13 bankruptcy
California Debt Collection Laws
Californians have laws to protect them against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices. In addition, the California Fair Debt Collection Practices Act (CFDCPA) add protections against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.
If you feel you are being subjected to harassment or illegal practices from debt collectors, contact our team at Pacific Debt Relief in San Diego.
Reach us at 833-865-2028 or visit our office at 750 B Street Suite 1700, San Diego, CA 92101 to discuss your situation and learn about your consumer rights and protections. Our knowledgeable debt specialists can provide guidance and advice.
Overall, debt collectors can NOT:
- Charges more than 10% interest
- Garnish more than 25% of wages
- U se/threaten physical force or criminal tactics to harm you, your property, or your reputation
- Accusing you of committing a crime for not paying the debt
- Make/threaten to make defamatory statements to someone else
- Threaten arrest, to seize assets, or garnish wages unless actually planning to take such action
- Use obscene or profane language
- Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
- Call you repeatedly or let your phone ring repeatedly
- Call frequently
- Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
- Reveal information about debt to anyone except your spouse or your parents if a minor.
- Publicly publish your name for failing to pay
- Send a postcard or letter with revealing information on the envelope
- Claim to be someone other than a debt collector, including a governmental official
- Use stationery that appears to be from a law firm
- Charge you collection or attorney’s fees unless legally allowable
- Threaten to report you to a credit reporting agency if they have no intention of doing so
- Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is
Debt collectors must:
- Disclose caller identification
- May contact your family to locate you
- Must serve you with notice of a lawsuit if suing you
Contact Pacific Debt today so we can help you with your creditors. We'll help you understand all your debt solutions and find the right one for you.
Disclaimer: In some states, PDR may not be able to offer our services directly due to state regulations related to debt settlement. In those instances, PDR will refer you to a reputable debt relief provider or attorney firm for assistance with your debt. We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state. The information included on this site is for educational purposes only.
Head Office
750 B Street Suite 1700
San Diego, CA 92101
Hours of Operation
Mon-Thurs: 6am - 7pm PST
Friday: 6am - 4:30pm PST
Saturday: 7:30am - 4:30pm PST
Clients
Phone: (877) 722-3328
Fax: (619) 238-6709
Email: cs@pacificdebt.com
Non-Clients
Phone: (833) 865-2028
Fax: (619) 238-6709
Email: inquiries@pacificdebt.com
"Subscribe, follow, like, share, let's get social..."
"To eliminate debt one household at a time, while placing people first."
California Privacy Policy | 
Do Not Sell My Personal Information
GLBA Privacy Notice | CDRI Accredited Member
*Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.
*Your visit to our website may be monitored and recorded from essential 3rd party scripts.
*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.