Last Updated: October 31, 2023
Pacific Debt Relief is a debt relief company that helps consumers manage and resolve overwhelming unsecured debt. They negotiate with creditors to reduce balances and create affordable payment plans. Pacific Debt Relief offers a variety of debt relief programs to fit different financial situations.
They've communicated with me with every transaction and gave me good feedback. Usually I get a call or an email once a month with progress updates. It has definitely made my life a lot easier, fulfilling my obligations with the credit card companies is much simpler.
Pacific Debt Relief does not charge any upfront fees. Their services are based on a percentage of enrolled debt that is only paid if they are successful in negotiating debt settlements for you.
The process typically takes between 24-48 months but can vary based on your unique financial situation. Pacific Debt Relief will provide a timeline estimate at the start.
We help with unsecured debt like credit cards, medical bills, personal loans, and more. They do not handle secured debt like mortgages or auto loans.
Debt relief may initially lower your credit score but resolving debts will raise it over time. Pacific Debt Relief can provide tips to rebuild credit during the process.
Yes, they will handle all communications with creditors on your behalf once you begin a program. This provides immediate relief from harassing calls and letters.
Ready to tackle your debt? Contact Pacific Debt Relief
today to see how much you could save with a customized debt relief program.
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.
*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.