Last Updated: November 1, 2023
Pacific Debt Relief is a leading debt relief company based in San Diego, CA. Founded in 2000, they specialize in helping consumers lower their debt through consolidation and negotiation of credit card and medical bills.
I got it through a personal recommendation. They are very thorough in what they do and cover everything. We got updated on things through emails and phone calls. They also called us occasionally to make sure that everything was good.
Pacific Debt Relief charges a percentage of your enrolled debt as their service fee. This ranges from 15-25% depending on your state and debt situation. There are no upfront fees.
The process typically takes between 2-4 years. Pacific Debt Relief will work with your creditors to negotiate debt reductions and set up a payment plan. The timeframe depends on your specific debt and how negotiations go.
Yes, debt settlement may have an impact on your credit score since it involves negotiated payoffs of your debts for less than the full balance. However, Pacific Debt Relief can guide rebuilding your credit after becoming debt-free.
Unfortunately no. Student loan debt cannot be settled the same way as credit card or medical debt. However, Pacific Debt Relief can help come up with a budget and payment plan for managing student loans.
Pacific Debt Relief specializes in credit card debt, medical bills, personal loans, and other unsecured debt that can be negotiated. Your specific debt accounts will be evaluated in your free consultation.
See if Pacific Debt Relief's debt settlement program is right for your situation.
Pacific Debt Relief can help you gain control of your finances again. See what real clients say about their experience with our debt relief services. Our proven process has helped thousands pay off debt for good.
If you're struggling with high amounts of credit card, medical, or other debt, Pacific Debt Relief can help you finally eliminate it.
Get your free debt relief consultation today. Our debt specialists will review your financial situation and explain your options for consolidating and settling your debts. There's no obligation to enroll.
Pacific Debt has helped thousands of people reduce their debt. Since 2002, we've settled over $500 million in debt for our clients. Contact us today to see how we can help.
BBB Reviews | 4.9/5.0 Rating
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. Pacific Debt, Inc. is registered with the California DFPI under the CCFPL registration number 01-CCFPL-1250953-3419036.