Pacific Debt Relief

Pacific Debt Relief Review: Is It Legit? Find Out Here!

Debt can be a daunting burden, causing stress and affecting financial well-being. For those struggling with unsecured debts, debt relief companies offer a glimmer of hope. Pacific Debt Relief, founded in 2002, is one such company aiming to assist consumers in their journey towards financial freedom.

But the question remains: Is Pacific Debt Relief a trustworthy partner or just another scam? In this article, we will delve into the details of Pacific Debt Relief, exploring its services, pricing, qualification process, customer reviews, and more. By the end, you’ll have a comprehensive understanding of whether Pacific Debt Relief is a legitimate solution for your debt problems.


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Summary of Pacific Debt Relief:

Pacific Debt Relief was established with the noble mission of helping individuals struggling to pay off unsecured debts. Over the years, the company has succeeded in settling more than $300 million in debt, alleviating the financial burden for many consumers.

They take pride in not requiring any upfront fees, making it easier for clients to get started on their debt settlement journey. Pacific Debt Relief primarily employs the debt settlement approach, where clients are assisted in settling their debts for less than the original amount owed, inclusive of interest and fees.

Pros and Cons of Pacific Debt Relief:

As with any service, there are pros and cons to consider when choosing Pacific Debt Relief.

Pacific Debt Relief Services:

Pacific Debt Relief offers specialized services to help consumers struggling with unsecured debts. Their main focus is on debt settlement, a process that aims to negotiate with creditors to settle debts for less than the original amount owed. Below are the key services provided by Pacific Debt Relief:

  • Debt Settlement:

Debt settlement is the primary service offered by Pacific Debt Relief. Through this approach, the company negotiates with creditors on behalf of its clients to reach a settlement agreement. The goal is to reduce the total debt amount, including interest and fees, to make it more manageable for the debtor. The process typically involves setting up a separate account, where clients make monthly deposits to accumulate funds for settlements.

  • Unsecured Debts:

Pacific Debt Relief specializes in helping clients resolve their unsecured debts. Unsecured debts are not backed by collateral, meaning there is no asset tied to the debt (unlike secured debts, such as mortgages or auto loans). Common types of unsecured debts include credit card debt, medical bills, personal loans, and payday loans.

  • Credit Card Debt Settlement:

Credit card debt can be one of the most challenging types of debt to manage due to high interest rates and minimum payments. Pacific Debt Relief works with clients to negotiate settlements with credit card companies, aiming to reduce the overall debt burden and help clients become debt-free.

  • Medical Bill Settlement:

Medical bills can quickly accumulate and become overwhelming for individuals facing unexpected medical expenses. Pacific Debt Relief can assist clients in negotiating with medical providers and collectors to settle medical debts for less than the original amount owed.

  • Personal Loan and Payday Loan Settlement:

Unsecured personal loans and payday loans can also be addressed through Pacific Debt Relief’s debt settlement services. By negotiating with lenders, the company aims to secure favorable settlements for clients, helping them break free from the cycle of high-interest payday loans.

It’s important to note that while debt settlement can be an effective debt relief strategy, it comes with certain risks, including potential negative impacts on credit scores and no guarantee that all creditors will agree to settle. Pacific Debt Relief provides a free consultation to help clients assess whether debt settlement is the right option for their specific financial situation.

Before enrolling in a debt settlement program, it is advisable to explore other debt relief options, such as debt management plans, debt consolidation, or credit counseling, to determine the most suitable approach for resolving your debts. Additionally, consumers should research and compare multiple debt relief companies to find the best fit for their needs and financial goals.

Pacific Debt Relief Pricing:

The fees charged by Pacific Debt Relief are contingent on the client’s total debt amount and the state of residence. However, the average client pays between 15% and 25% of their enrolled debt amount for settlement, which aligns with industry standards. Importantly, these fees are only applied once the debt settlement process yields results, sparing clients any upfront expenses.

Qualification and Application Process for Pacific Debt Relief:

Qualifying for Pacific Debt Relief’s debt settlement program involves meeting certain criteria, and the application process is relatively straightforward. Below, we outline the steps to qualify and apply for their services:

Qualification Criteria:
  • Minimum Debt Requirement: Pacific Deb requires clients to have at least $10,000 in unsecured debt to be eligible for their debt settlement program. Unsecured debts include credit card debt, medical bills, personal loans, and payday loans.
Application Process:
  • Free Consultation: The first step is to schedule a free consultation with Pacific Debt. This can be done either through their website or by calling their toll-free number.

  • Discussing Financial Situation: During the consultation, a debt specialist will discuss your unique financial situation. They will assess your total debt amount, your ability to make monthly savings and your financial goals.

  • Determining Suitability: The debt specialist will help you determine whether debt settlement is right for your circumstances. Debt settlement can be a suitable option for those struggling with unmanageable debt and looking for a faster path to debt-free.

  • Outlining Program Details: If debt settlement is deemed appropriate for you, the debt specialist will provide you with a clear understanding of the program details. This includes the estimated monthly savings required and the expected program duration, typically ranging from 24 to 48 months.

  • Enrollment Packet: If you decide to move forward with Pacific Debt Relief’s debt settlement program, a debt specialist will send you an enrollment packet via email. This packet will contain all the necessary forms and information needed to enroll in the program.

  • Completing Enrollment Forms: Complete the enrollment forms and provide any required documentation to Pacific Debt as requested. This typically includes information about your debts and financial situation.

  • Program Commencement: Once you have completed the enrollment process and your account has been set up, you can begin depositing money into an FDIC-insured account designated for your debt settlement program.

  • Stop Making Payments to Creditors: As part of the debt settlement process, Pacific Debt will advise you to stop making payments to your creditors. Instead, you will start saving money in the designated account, which the company will use to negotiate and settle your debts for less than the original amount owed.

  • Assigned Account Manager: After a few months of saving, Pacific Debt will assign you a personal account manager. This manager will guide you through the rest of the process, negotiating with creditors on your behalf and obtaining your authorization to pay settlements.

Please note that Pacific Debt’s debt settlement services are available only in 29 states and Washington, D.C. If you reside in a state where they do not offer services or if your unsecured debt is below the minimum requirement, you may need to explore other debt relief options or consider other reputable debt relief companies that can assist you in your area.

Pacific Debt Relief Contact Info:

Clients can contact Pacific Debt for assistance at the following phone numbers:

For clients: (877) 722-3328 For non-clients: (800) 909-9893

The company is located in San Diego, California, and operates on Pacific Standard Time (PST).

Pacific Debt Relief Customer Reviews:

Pacific Debt Relief enjoys positive online reviews from satisfied customers. It has been accredited with the Better Business Bureau (BBB) since 2010, holding an A+ rating. Trustpilot also rates the company highly, with an average score of 4.8 out of 5 stars based on 1,217 customer reviews.


Based on our research, Pacific Debt Relief appears to be a legitimate and highly rated debt relief company. Its track record of settling over $300 million in debt, positive customer reviews, and accreditation from reputable organizations like the American Fair Credit Council and International Association of Professional Debt Arbitrators (IAPDA) showcase its commitment to helping individuals achieve financial freedom.

While the debt settlement process entails risks, Pacific Debt Relief’s transparency with services and pricing, as well as its free consultation offering, make it an attractive option for consumers with at least $10,000 in unsecured debt.

However, we advise potential clients to compare Pacific Debt Relief with other reputable debt relief companies before making a decision. By researching multiple options, consumers can find the best fit for their individual needs and financial situation, ensuring a successful journey toward debt resolution.

Remember, debt settlement is just one of several debt relief strategies available, and exploring other options like debt management plans, debt consolidation, and credit counseling is essential for informed decision-making.

Frequently Asked Questions

Here are 10 frequently asked questions about Pacific Debt Relief.

Pacific Debt stands out for its no upfront fees policy, allowing clients to begin their debt settlement plan without any initial costs. They specialize in helping individuals with unsecured debts, such as credit card debt and medical bills.

Their commitment to transparency, excellent user reviews, and accreditation from reputable organizations like the American Fair Credit Council (AFCC) and International Association of Professional Debt Arbitrators (IAPDA) makes them a trustworthy partner in debt resolution.

Pacific Debt employs a debt settlement approach, negotiating with creditors to settle debts for less than the original amount owed, including interest and fees.

Clients are advised to stop making payments to creditors and instead save money in a designated account. The company uses these funds to negotiate with creditors on the client’s behalf, aiming to secure favorable settlements and expedite the debt resolution process

Pacific Debt specializes in resolving various unsecured debts, including credit card debt, medical bills, personal loans, and payday loans. While they cannot assist with secured debts like mortgages or auto loans, their expertise in unsecured debt settlement makes them an ideal choice for those facing overwhelming unsecured obligations.

Debt settlement may have a negative impact on your credit score, as creditors may report late payments or charge-offs during the settlement process. However, once the debts are settled, your credit score can begin to recover. Pacific Debt provides a free consultation to help clients understand the potential impact on their credit score and explore alternative debt relief options.

On average, Pacific Debt clients may save approximately 15% to 35% off their original debt amounts after accounting for fees. However, savings can vary depending on individual circumstances and creditors’ willingness to negotiate.

Most Pacific Debt Relief clients achieve debt freedom within 24 to 48 months, which is the industry average for debt settlement programs. However, the exact timeline depends on the total debt amount and the client’s ability to make monthly savings.

While Pacific Debt has garnered excellent reviews, it’s essential to consider potential drawbacks. They require a minimum of $10,000 in unsecured debt to qualify for their program, which may exclude those with lower debt amounts. Additionally, their services are available only in 29 states and Washington, D.C., limiting accessibility for clients in other states.

Pacific Debt offers a wealth of resources, including a debt management blog, educational materials, and dedicated customer service. Their trained debt specialists guide clients through the process and help navigate policies related to the Fair Credit Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act.

Pacific Debt prides itself on excellent customer service, and their team of trained debt experts prioritizes personalized assistance over scripted interactions. Clients can reach out via phone or email for support, and the company operates on Pacific Standard Time (PST).

Yes, Pacific Debt is a reputable debt relief company with accreditations from the American Fair Credit Council and certification from the International Association of Professional Debt Arbitrators.

Their A+ rating with the Better Business Bureau (BBB) and positive customer reviews on Trustpilot attest to their commitment to helping clients achieve debt relief with integrity and transparency.


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