Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Pacific Debt Relief is a debt consolidation company that has been helping people reduce their unsecured debts since 2002. They have an A+ rating with the Better Business Bureau and have helped thousands of people get out of debt. This Pacific Debt Relief review looks at their history, services, and fees to help you decide if this is the best debt relief option for you.



Pacific Debt Relief logo

With an association of professional debt and a proven track record of success, Pacific Debt Relief is a legitimate debt settlement company that provides a variety of options to help individuals get relief from unsecured debt. They specialize in debt consolidation and other debt relief services, making them a great choice for those looking for a reliable, proven way to reduce their unsecured debt. With its experienced staff and long history of helping thousands of people, Pacific Debt Relief is a great option for anyone looking to get out of debt.

Pacific Debt Relief – Benefits And Drawbacks


  • Lower debt payments: Pacific Debt Relief negotiates with creditors to reduce your monthly payments.
  • Single monthly payment: Pacific Debt Relief allows you to consolidate multiple debts into a single monthly payment.
  • Professional negotiation: Clients are represented by experienced negotiators at Pacific Debt Relief.


  • Fees: There may be substantial fees charged by Pacific Debt Relief.
  • Negative impact on credit score: Late payments and settlements for less than full amounts can negatively affect credit scores.
  • No guarantees: Pacific Debt Relief cannot guarantee creditors will accept its settlement offers, and negotiations may not succeed.

The Pacific Debt Relief Program: What Does It Do?


Debt relief company has been providing services to consumers since 2002, and has since helped over 30,000 clients reduce a combined total of $1 billion in debt. Their services specialize in debt consolidation loans and in negotiation and settlement services to help people manage and reduce their debt. Their mission is to help people get out of debt quickly and easily and to provide them with the tools and resources needed to stay out of debt for good. The company has a proven track record of success and provides a wide range of services to assist clients in their journey to financial freedom.

This debt settlement services company is the perfect choice for anyone facing financial difficulty and being unable to make their minimum payments or reduce their debt. Whether you’ve lost your job, are dealing with a medical emergency, or have just fallen behind on your minimum payments again, this company offers a range of solutions to help you regain control of your debt. With their experienced staff and tailored solutions, you can work together to find the best path forward and get out of debt.

Debt Relief Solutions provides tailored plans to help you get out of debt with a high success rate. They work to find a solution that fits your individual financial situation and can be trusted to get you the best results.

How Does Pacific Debt Relief Work?

The company offers assistance to people with unpaid unsecured credit card debts, medical debts like credit card balances, medical bills, and personal loans. The process usually works as follows:

  1. Consultation: The first step for consumers is to schedule a free consultation with Pacific Debt Relief, during which a debt specialist will assess their financial situation and determine whether debt settlement is a good option.
  2. Enrollment: As soon as the consumer decides to proceed with Pacific Debt Relief, they will enroll in the program and begin making monthly deposits into an account. The deposits will be used to settle the consumer’s debts with creditors.
  3. Negotiation: Pacific Debt Relief will negotiate on behalf of the consumer with creditors in an effort to reduce the amount owed. A settlement agreement involves the consumer paying a portion of the debt owed, and the creditor agrees to forgive the remainder.
  4. Settlements: Upon reaching a settlement agreement, Pacific Debt Relief will make payments to the creditor using funds accumulated in the designated account.
  5. Completion: Once all enrolled debts have been settled, the consumer is debt-free.

Debt settlement can be a viable option for those in significant debt, but it should not be taken lightly. It’s important to research all debt relief options and consult a financial professional to consider the pros and cons of the debt settlement process before making a final decision. Although it can help reduce your outstanding debt, it can also have a negative impact on your credit score. It’s important to weigh the risks and benefits to ensure debt settlement is the right choice for you.

Can I Qualify For Pacific Debt Relief?

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An individual must typically meet certain requirements to be eligible for Pacific Debt Relief’s debt settlement program:

  • Unsecured debt: The program is designed for consumers who have unsecured debt, such as credit card debt, medical bills, or personal loans. Secured debts, such as mortgages or car loans, are not eligible for the program.
  • Financial hardship: Consumers must be experiencing financial hardship that makes it difficult to keep up with their debt payments. This could be due to a job loss, a reduction in income, or unexpected expenses.
  • Minimum debt: Typically, consumers must owe at least $10,000 in unsecured debt to be eligible for the program.
  • Ability to save: To participate in the program, consumers must be able to make monthly deposits into a designated account that will be used to settle their debts with creditors.
  • Willingness to commit: Consumers who enroll in the program must be willing to commit to making regular deposits into the designated account and working with Pacific Debt Relief to negotiate settlements with their creditors.

Pacific Debt Relief offers a free consultation to help you determine if debt settlement is an appropriate option for you. This consultation can help you gain insight into your financial options and make an educated decision about medical debt alone.

Pacific Debt’s Sign-Up Process

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To join Pacific Debt Relief, one should proceed as follows:

  • Free consultation: The first step in settling your debts is to schedule a free consultation with Pacific Debt Relief. During this consultation, a debt specialist will review your financial situation and determine whether debt settlement is a good option for you.
  • Enrollment: To enroll in Pacific Debt Relief, you will need to provide information about your creditors and outstanding debts. This information will be used to develop your debt settlement plan.

Pacific Debt Relief offers a comprehensive approach to helping you become debt-free. With their national debt relief program, you can get the help of a debt specialist to review your financial situation and provide you with the right tools and guidance to get back on track. During the free consultation, the debt specialist will assess your financial needs, determine if debt settlement is the right approach for you, and help you through the enrollment process. With Pacific Debt Relief and debt relief companies, you can finally start on your journey to becoming debt-free and start living a financially secure life knowing you’ve taken the right steps to get back on track.

Is Pacific Debt Relief Expensive?

When considering debt relief programs, it is important to consider your total amount of debt, how much you can save, and the repayment plan that best suits your needs. Typically, these programs charge between 15-25% of the total debt. For example, if you owe $10,000, you can expect to pay between $1,500 and $2,500. Carefully weigh the costs of the program against the benefit of the repayment plan it may offer services it offers. If you are looking for a debt relief company that does not require payment before services are rendered, Pacific Debt is an excellent option. They provide their services without hidden charges or additional expenses.

How Much Could Pacific Debt Relief Save You?

Pacific Debt Relief is an excellent resource to consider if you’re looking to reduce your debt. Although their average savings are estimated to be 15-35%, you may be able to save up to half of what you owe. It’s important to consider that fees may reduce your total savings much you could save more, so it may not be the best option if you’re looking to maximize savings. However, if you’re willing to pay upfront fees and sacrifice some savings for the benefit of working with a reputable company, Pacific Debt Relief could be a great choice. With Pacific Debt Relief, you have the assurance of knowing that you’re working with an experienced and reliable company to help you manage your debt.

Summary Of Pacific Debt Relief

  • Accreditation: American Fair Credit Council, Better Business Bureau, Consumer Affairs, International Association of Professional Debt Arbitrators
  • Consultation: Free phone or online consultation with a customer services rep
  • Costs: 15% to 25% of the total debt enrolled. Fees vary from state to state.
  • Customer Service: Phone or email
  • Debts accepted: All unsecured debt except consumer finance loans, payday loans, legal judgments, and medical debts not already in collections. Minimum debts considered are typically $10,000
  • Free resources offered: Informative debt management blog
  • Restrictions: Pacific Debt services are only available in 25 states
  • Service offered: Debt settlement through direct negotiations
  • Trust ratings: BBB rating of A+ and 9.3 Trustpilot score
  • Turnaround time: 24 to 48 months or more

The Pacific Debt Relief Program Starts Resolving Your Debt After How Long?

Pacific Debt Relief is a consumer and credit card debt counseling service that helps people lower their debt through settlement agreements, budgeting, and interest rate reductions. They work to resolve debt within 2-3 years and help people gain financial stability.

What Are The Effects Of Pacific Debt Relief On Your Credit?

Debt settlement can be a great way to become debt-free, however, it can have a negative impact on your credit score. Depending on the state in which you reside when you first enroll in debt settlement, it can temporarily lower your credit rating. To avoid this, it is important to stick to the payment terms of your enrolled in debt settlement companies. Doing so can help improve your credit score over time.

Pacific Debt Relief BBB Review

Pacific Debt Relief has an impressive A+ rating from the Better Business Bureau and has taken the time to respond to any complaints filed against them. In the last 3 years, they have had 3 closed complaints and only 1 closed complaint in the last 12 months. This is an indication of their commitment to providing their customers with the best service and support possible. If you are looking for a reliable debt relief provider, Pacific Debt Relief is definitely worth considering. However, it is important to always read through their complaints history so that you can make an informed decision.

Anthem Tax Services vs Community Tax debt

Pacific Debt Relief: How Trustworthy Is It?

Pacific Debt Relief is a debt settlement company based in San Diego, California that offers consumers a program to consolidate and reduce their unsecured debt. It emphasizes transparency, providing an online platform for satisfied customers to access information, track progress, and communicate with other debt relief companies, collectors, and negotiators.

Pacific Debt Relief offers debt relief services with no upfront fees for personal and business debts and is a member of the American Fair Credit Council, an international association that ensures good practices and protects consumers from fraud. They provide clear terms and pricing and are a good online consumer debt relief option.

Pacific Debt Relief is an excellent choice for those seeking debt relief. They offer free consultations to help determine the best debt relief solution for each person’s individual needs. Pacific Debt Relief can also provide information on other debt-relief options. Their excellent customer service here is top-notch, and they make sure to work with each individual to find the best possible solution for their unique situation. It is important to do your research and get a free consultation with Pacific Debt Relief to see if it’s the right solution for you.

Pacific Debt Relief
  • Pacific Debt Relief

Pacific Debt Relief Review

When it comes to debt relief, Pacific Debt Inc. staff are top of the line. Spend some time with them and you might find yourself saving big.








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Julian Wilson is a renowned writer who specializes in tax-related topics. With years of experience in the field, he has established himself as a leading voice in the industry. After completing his education, he began his career working as a tax consultant for a prominent accounting firm. During his time there, he gained extensive knowledge and expertise in tax law, compliance, and auditing. With a passion for writing, Julian eventually transitioned to a career in journalism, where he could share his knowledge and insights with a wider audience.

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