Zhanna from Columbia Maryland Debt Relief Review

Pacific Debt Relief specializes in settling unsecured debt like credit cards, medical bills, personal loans, and more. They do not handle secured debt like mortgages or auto loans.

Savings vary depending on your specific debt situation. Most Pacific Debt clients save between 25%-50% off their total owed by settling for less than the full balance.

Your credit score will likely drop initially when accounts go into delinquency. However, debt settlement can allow you to pay off debt faster which helps your credit in the long run.

The debt settlement process typically takes between 24-48 months. Accounts are usually settled within 12-24 months. The remainder of the program is making monthly payments.

Pacific Debt charges an initial consultation fee of $99-149. If enrolled, fees are 15-25% of your total enrolled debt balance. There are also monthly account fees.

You can try to negotiate debt on your own but having a professional makes the process much easier and more effective. Pacific Debt has the experience, tools, and resources needed for the best settlements.