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Pacific Debt Reviews
Our Customer Reviews
At Pacific Debt Relief, we pride ourselves on our customer service and providing the best possible debt settlement outcomes for our clients.
We have
helped thousands of customers with
our debt settlement program that now totals
over $500,000,000. Read what some of our customers have to say about their experience working with Pacific Debt Relief.
Call us for a FREE consultation today!
Recent Review from Brandy
"Debt can be a scary, shameful thing. It’s not something that’s openly talked about, but if it were, I think many would realize how similar so many of our situations are.
When I first reached out to Pacific Debt, I had the same feelings. By the end of my initial phone call with them, that feeling had completely dissipated. I felt heard, I felt taken care of, and I felt like someone had thrown me a lifeline. Relief. It is such a profound feeling, and that’s what Pacific Debt gave me.
From my beginning consultation, to my case manager being assigned, to my accounts being settled, the process could not have been easier to understand or work within. The staff is with you every step of the way, eager to help, and by the end truly feel like friends. They understand our situations, and they’re here to take care of that for us, with our help. I am grateful to them beyond belief, and cannot recommend them enough.
If you are in a similar position, please don’t wait any longer. Get yourself some relief, see the light at the end of the tunnel. Pacific Debt can help, and they WANT TO.
Julia in particular, thank you. Words can’t even express. ❤️"
- Brandy (Trustpilot review)
Get a FREE consultation today with no-obligation
How Pacific Debt Relief Works
Your account manager negotiates debt settlements and works closely with creditors (or collectors) on the total enrolled debt you have in our debt relief program. We have a minimum debt threshold with no upfront fees.
Our team works diligently every day so you can get out of debt as quickly as possible. Read below what some past customers have said about how we've made such an impact! We can see by our outstanding debt reviews that a lot of our customers recommend Pacific Debt Relief. We work hard to earn 5 stars from every client.
We not only help with credit card debt, we may also be able to help you reduce and pay off your unsecured debts including medical debt, unsecured personal loans, debt consolidation loans and payday loans.
Click to speak to a debt specialist right away!
Pacific Debt Settlement Program Features
- You may become debt-free in 24-48 months of using our debt relief program, depending on how much enrolled debt you enrolled
- The minimum debt threshold is lower than other providers
- No upfront fees are required upon starting our program
- We offer a FREE consultation to see how much money you can save
- Our program lets you pay less than what you owe on your debts
- We are a debt settlement company
- Expert account management
What Types of Debt We Help With
- Credit card debt
- Unsecured debts and personal loan debt
- Medical bills
- Business debt
- Payday loans
- Car loans
- Debt consolidation loans
To date, we have helped settle more than $500 million in credit card debt and other debts for people just like you.
Our Customer Reviews Are Verified
Our Pacific Debt reviews are generated and verified through 3rd-party review companies such as Trustpilot, BestCompany, Better Business Bureau (BBB), TopTenReviews, and other reputable publishers.
On top of all this, we are also an accredited member of the Consumer Debt Relief Initiative and the Better Business Bureau (BBB) as a legitimate debt settlement company.
View our customer
video testimonials to see more client feedback from Pacific Debt Relief. Get a
FREE consultation today!
Our customer reviews reveal that many people feel overwhelmed by unsecured debt and payday loans and are confused about national debt relief companies and other solutions, and how Pacific Debt relief works. Unlike many other debt settlement companies, our fees are clearly explained.
Many 5-star reviews also show how we have helped thousands of people feel more confident and get through our unsecured debt settlement program. Pacific Debt always strives for the best customer service that it can possibly provide to those who desperately need help reducing their unsecured debt and help them avoid bankruptcy.
Read through our user reviews to see how our debt settlement program helped countless people get the help they needed. Pacific Debt's customer service is unmatched in the debt settlement industry. We take customer complaints and negative reviews seriously.
If you have a personal loan, car loans, payday loans, or any other type of unsecured debt, our debt relief program could greatly benefit you. We can possibly save you a substantial amount of money while you pay off your debts.
These review companies offer advertiser disclosure, pacific debt, to reassure you that reviews are not exchanged for payment!
Does Pacific Debt Relief Work? Read our reviews!
"Nobody plans to drown in Debt! Neither did my husband and I. We purchased a home several years ago. Soon after moving in, water and sewage issues arose, as well as mold and other safety issues. We incurred insurmountable debt to protect our investment in this home and make it safe for our family to live in. We found ourselves in a financial disaster that brought us close to losing everything we had worked so hard to protect. We were behind in all of our bills, and both working overtime, to pay only the minimum balances, and still were sinking behind.
This caused stress to the breaking point and we decided we would have to file for bankruptcy, that is, until Pacific Debt came to our rescue! Jeremy Saltzen and Julia Quirke are well informed and they really educated us about this program to get our finances under control and our life to a place where we could breathe again. Our client success manager, Julia Quirke, has been a lifeline to us as we navigate this program and process. She has been an excellent financial life coach, walking us through the steps and checking in on us to answer questions and offer updates and help, as well as encourage us."
Review from Trustpilot
While Pacific Debt is renowned for its debt settlement program, many clients have also found our services instrumental in their credit repair journey. As we negotiate with creditors to reduce the debt amount you owe, over time, successful debt settlement can lead to a decrease in your credit utilization ratio, one of the key factors that credit scoring models consider. This, in turn, can contribute positively to your credit score, especially when coupled with consistent, on-time payments on other credit accounts.
However, it's important to note that debt settlement is not a quick fix for credit problems. The process can initially have a negative impact on your credit score, as it involves stopping payments to creditors while negotiations take place. But in the long run, resolving your debts through settlement can put you on a path towards better credit health.
As each individual's credit situation is unique, we encourage you to read the experiences of our customers who embarked on their debt relief journey with Pacific Debt. Their customer reviews shed light on how our debt settlement program has helped them regain control over their financial situation and make strides towards improving their credit.
More Customer Reviews throughout the United States
Our Customer Review Ratings
We're committed to providing the best service possible and earning your 5 stars so you can focus on what really matters, which is your improved financial situation!
We've earned ourselves top rankings with independent review sites, and feedback from our satisfied customers says it all.
Our client's satisfaction has been noted in many glowing comments made by them about their experience working with us.
Pacific Debt Relief Common Questions
We see a lot of questions about our debt relief company and debt settlement so we've listed some below. Here is some information that may help!
Pacific Debt Reviews From Trustpilot
Don’t just take Pacific Debt's word for what real clients say. Instead check out real customer reviews on independent websites like Trustpilot. You'll see how many of our customers give us 5 stars across the board.
This international independent review website garners more than 1 million new reviews each month. Check out these five star reviews below from Trustpilot.
Outstanding Pacific Debt Specialist
"Pacific Debt representatives, Julia Quirke and Jeremy Saltzen, have answered every financial question, have treated us with integrity and respect, never shamed us for our debt, and are changing our lives. Pacific Debt is reputable, dependable, accessible, and an amazing opportunity to deal responsibly with your debt and allow you the satisfaction and success of being able to pay off debt in a manageable and timely manner. Thank you Pacific Debt and your amazing customer service!"
Review from Trustpilot
"Absolutely Amazing! We were in so deep and so overextended that paying the minimum due was simply doing nothing to relieve the balance. We contacted a couple of the Debt Relief services and decided that Pacific was the best one for us. They took several thousands of dollars in interest away and we managed one low monthly payment for everything. We are in hopes that we have learned a lot about credit and that we don't ever get in that mess again, but we are truly thankful for and satisfied with Pacific. They kept us out of Bankruptcy."
Pacific Debt Reviews From BestCompany
BestCompany is a well regarded review website that collects reviews from both clients and professionals. Here are some five star reviews on Pacific Debt, a debt relief company, from BestCompany.
Amazing Free Consultation
"If my experience with the process is 75% as good as my experience with Ray I'm sure I'll be thrilled. Thank you Ray!"
Review from BestCompany
Better Than Other Debt Relief Companies
"I was working with another debt relief agency but I was very dissatisfied with the customer service experience. My monthly amount kept changing as they based my total on my credit report which I had informed them was still getting updated. This amount kept changing and it stressed me out so I canceled them."
Outstanding Debt Relief Options
"I found Pacific Debt and spoke to Ray who has been fantastic. He was very understanding and helpful from the first chat. We texted a lot and emailed at first prior to speaking on the phone, and he understood my frustration. He built a plan based on my debt information in conjunction with credit report so that the list was complete. He was very thorough in explaining the program and made himself available to answer all questions immediately."
Become One of Our Customer Reviews - Get Started Today!
Becoming a Pacific Debt, Inc client is very simple. First, check to see if you meet Pacific Debt's program criteria for enrollment, which match common industry standards. These are:
- Unsecured debt like credit cards, personal loans, medical bills, and other consumer debt enrolled
- Have at least $10,000 in unsecured total debt to enter into enrolled debt
- Be unable to make minimum payments on your unsecured debt
- Be able to deposit money into a secure savings account
If you don’t meet these criteria but still need help, give Pacific Debt a call anyway - a client care team member will refer you to a trusted partner like other debt relief companies, including debt consolidation companies who can work with your unique financial situation.
Be aware of negative items on your credit report that could affect your debt settlement plan. Pacific Debt is an accredited debt settlement company that focuses on helping people, not just enrolling them, no matter how much debt you may have.
Next, you need to enroll with Pacific Debt, Inc. Simply call 877-722-3328 for a free consultation or fill out a quick enrollment application online. You'll find our fees clearly explained and you'll understand how much debt you may be able to settle. You can then set up a client portal.
If you have questions, you can speak with a certified debt specialist first with no obligation. We will explain the entire enrollment process in detail and more about how Pacific Debt works to reduce your debt. As part of the enrollment process, we will also discuss how Pacific Debt interacts with credit bureaus to negotiate your debt.
Come visit the main Pacific Debt Relief headquarters in San Diego, California. You can make an appointment to speak with one of the representatives there. Once you are enrolled in Pacific Debt's program, we check to quickly determine your creditors and identify any negative items that are reported to credit bureaus. This lets us know how best we can help with your unsecured debt.
We also examine your available income, bank account, utility bills, expenses, credit score, and spending habits and develop a savings plan and savings account that fits into your budget. Next, we determine which creditors will be most receptive and start contacting them.
You do not have to take out a loan as you do with a debt consolidation company. Since getting the best interest rates on loan products takes excellent credit, most people can not get good loan offers. Working hard to master your finances can help you avoid bankruptcy - always a last resort.
Your assigned debt specialist at Pacific Debt will be in contact with you every month to inform you of any updates and to address any concerns you may have. You'll also be able to reach your debt specialist anytime via phone calls or email. We go the extra mile to keep you aware of the entire settlement process.
We are an accredited debt settlement company with a great BBB rating and The Consumer Debt Relief Initiative. Customer satisfaction is always our main focus and your customer feedback is very important.
Take a look at Pacific Debt debt settlement services case studies in California, Florida, New York, Pennsylvania, Kentucky, North Carolina, Indiana, Texas, Oklahoma, Virginia, and more. These are only a few of the states where Pacific Debt operates.
* We do not operate in some states like North Dakota, Rhode Island, South Carolina, or West Virginia.
If you have questions or would like to speak with a Pacific Debt customer service agent, give us a phone call. You can be one of the many satisfied clients and look forward to a debt-free life and actually increase your savings account.
Pacific Debt has helped thousands of people reduce their debt using our debt settlement service. Since 2002, we've settled over $500 million in debt for our clients. Contact us today to see how we can help you become debt free.
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*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. Pacific Debt, Inc. is registered with the California DFPI under the CCFPL registration number 01-CCFPL-1250953-3419036.