Last Updated: November 01, 2023
Pacific Debt Relief is a leading debt relief company helping Americans across the country become free of debt. Founded in 2002, they have resolved over $1 billion in consumer debt and maintain an A+ rating with the Better Business Bureau. Their team of certified debt specialists has years of experience negotiating with creditors to settle accounts for a fraction of what is owed. They offer customized programs to settle credit card debt, medical bills, personal loans, and more.
A certified debt specialist will evaluate your unique situation and recommend the best debt relief option.
Kimberly B. has been great. She is aggressively seeking settlements & guiding me through the process. Now that I'm starting to have enough money in my account we've quickly settled two debts.
The debt settlement process typically takes between 24-48 months depending on your financial situation. Our specialists will provide an estimated timeline during your free consultation.
Debt settlement may negatively impact your credit score in the short term. However, paying off debts completely can improve your credit over time. We provide resources to help rebuild credit.
We work with you to set up a manageable payment plan based on your budget. Settlements are structured so monthly payments are less than what you previously paid to creditors.
For debt settlement to work, the debts must be unsecured like credit cards, medical bills, and personal loans. Student loans, auto loans, and mortgages cannot be settled through debt settlement.
Our fees depend on your state of residence and debt amount. We only collect fees after settling debts on your behalf. There are no upfront costs.
If you're struggling with high debt balances,
get a free consultation from Pacific Debt Relief's certified specialists. They can evaluate your financial situation and craft a customized debt relief plan to help you finally become debt-free.
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.